Massachusetts Institute Of Technology 401(k): best low-cost funds
Massachusetts Institute Of Technology Supplemental 401(k) Plan · Plan #005 · Cambridge, MA
Suggested simple Boglehead mix
The public data doesn't show enough index funds from this plan to suggest a full mix. A typical Boglehead approach: look in your menu for a US total market or S&P 500 index fund, an international index fund, and a US bond index fund, all with expense ratios under about 0.10%. Or use one low-cost target-date index fund. How the 3-fund portfolio works.
Know this plan's fund menu? Submit it and we'll add a fund-by-fund pick list.
Pooled funds named in the filing (Schedule D)
These are collective trusts and similar pooled funds the plan reported holding. Names that look like index funds are tagged index by keyword, so check them yourself. Mutual funds are not listed by name in the free data.
| Fund | Manager | Type | Plan's holding |
|---|---|---|---|
| Russell 3000 Index index | Blackrock Inst. Trust Company, N. A | Common/collective trust | $2.3B |
| Msci Acwi Ex-us Indx index | Blackrock Inst. Trust Company, N. A | Common/collective trust | $659.9M |
| U.S Debt Index index | Blackrock Inst. Trust Company, N. A | Common/collective trust | $401.9M |
| FID Growth CO Pool A | Fidelity Management Trust Company | Common/collective trust | $344.7M |
| PRU Core PL BD CL 5 | Prudential Trust Company | Common/collective trust | $299.5M |
| Vanguard Target 2040 | Vanguard Fiduciary Trust Company | Common/collective trust | $292.1M |
| Vanguard Target 2035 | Vanguard Fiduciary Trust Company | Common/collective trust | $283.1M |
| Vanguard Target 2045 | Vanguard Fiduciary Trust Company | Common/collective trust | $275.7M |
| Vanguard Target 2050 | Vanguard Fiduciary Trust Company | Common/collective trust | $271.4M |
| Vanguard Target 2030 | Vanguard Fiduciary Trust Company | Common/collective trust | $268.9M |
| Vanguard Target 2025 | Vanguard Fiduciary Trust Company | Common/collective trust | $204.5M |
| Vanguard Target 2055 | Vanguard Fiduciary Trust Company | Common/collective trust | $125.9M |
| Russell 1000 Growth index | Blackrock Inst. Trust Company, N. A | Common/collective trust | $124.9M |
| Vanguard Target 2020 | Vanguard Fiduciary Trust Company | Common/collective trust | $109.2M |
| Vanguard Target INC | Vanguard Fiduciary Trust Company | Common/collective trust | $104.5M |
| TRP LRG CAP GR TR B | T. Rowe Price Trust Company | Common/collective trust | $93.1M |
| Russell 2000 Index index | Blackrock Inst. Trust Company, N. A | Common/collective trust | $90.3M |
| Emerging Mkts Index index | Blackrock Inst. Trust Company, N. A | Common/collective trust | $81.2M |
| Vanguard Target 2060 | Vanguard Fiduciary Trust Company | Common/collective trust | $65.2M |
| MID CAP Equity Index index | Blackrock Inst. Trust Company, N. A | Common/collective trust | $62.4M |
| Russell 1000 Value index | Blackrock Inst. Trust Company, N. A | Common/collective trust | $52.6M |
| WT High Yield | Wellington Trust Company, N.a. | Common/collective trust | $35.4M |
| US Real Estate Index index | Blackrock Inst. Trust Company, N. A | Common/collective trust | $27.7M |
| Vanguard Target 2065 | Vanguard Fiduciary Trust Company | Common/collective trust | $22.5M |
| Hrdg Lvnr Intl EQ A | Global Trust Company | Common/collective trust | $19.1M |
| GWK Small/mid CAP | Global Trust Company | Common/collective trust | $18.3M |
| AEW GLB Prop TR | Global Trust Company Harding Loevn | Common/collective trust | $2.6M |
| Vanguard Target 2070 | Vanguard Fiduciary Trust Company | Common/collective trust | $1.2M |
| Vang Targ 2025 Plus | Vanguard Fiduciary Trust Company | Common/collective trust | $0 |
| Vang Targ 2050 Plus | Vanguard Fiduciary Trust Company | Common/collective trust | $0 |
| Vang Targ 2030 Plus | Vanguard Fiduciary Trust Company | Common/collective trust | $0 |
| Vang Targ 2055 Plus | Vanguard Fiduciary Trust Company | Common/collective trust | $0 |
| Vang Targ 2060 Plus | Vanguard Fiduciary Trust Company | Common/collective trust | $0 |
| Vang Targ 2020 Plus | Vanguard Fiduciary Trust Company | Common/collective trust | $0 |
| Vang Targ 2035 Plus | Vanguard Fiduciary Trust Company | Common/collective trust | $0 |
| Vang Target INC Plus | Vanguard Fiduciary Trust Company | Common/collective trust | $0 |
| Vang Targ 2045 Plus | Vanguard Fiduciary Trust Company | Common/collective trust | $0 |
| Vang Targ 2040 Plus | Vanguard Fiduciary Trust Company | Common/collective trust | $0 |
How plan assets are invested
| Category (Schedule H) | Amount | Share |
|---|---|---|
| Registered investment companies (mutual funds) | $991.1M | 12.8% |
| Common/collective trusts | $6.7B | 86.2% |
| Participant loans | $25.8M | 0.3% |
Fees paid from plan assets
| Contract administrator fees | $0 |
| Investment advisory & management fees | $764,094 |
| Other administrative fees | $30,000 |
| Total administrative expenses | $801,144 |
Reported administrative expenses were about 0.011% of average plan assets, or about $31 per participant with a balance. This usually excludes fund expense ratios netted inside mutual funds and trusts.
Source: DOL EFAST2 Form 5500 & Schedules H/D, filing ID 20250723141655NAL0008921522001. EIN 042103594.