Mastercard International Incorporated 401(k): best low-cost funds
Mastercard Savings Plan · Plan #002 · Purchase, NY
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 |
|---|---|---|---|
| S&P 500(r) Index Securities Lending index | State Street Global Advisors Trust CO | Common/collective trust | $762.1M |
| T. Rowe Price Large-cap Growth Trus | T. Rowe Price Trust Company | Common/collective trust | $349.3M |
| Russell Small MID CAP Index Securit index | State Street Global Advisors Trust CO | Common/collective trust | $316.3M |
| Core Plus Bond Fund | Prudential Trust Company | Common/collective trust | $242.0M |
| International Index Securities Lend index | State Street Global Advisors Trust | Common/collective trust | $214.0M |
| Target Retirement 2045 Securities L | State Street Global Advisors Trust CO | Common/collective trust | $202.4M |
| Target Retirement 2050 Securities L | State Street Global Advisors Trust CO | Common/collective trust | $192.6M |
| Target Retirement 2035 Securities L | State Street Global Advisors Trust CO | Common/collective trust | $179.5M |
| Target Retirement 2040 Securities L | State Street Global Advisors Trust CO | Common/collective trust | $177.6M |
| Target Retirement 2055 Securities L | State Street Global Advisors Trust CO | Common/collective trust | $156.0M |
| Invesco Stable Value Trust | Invesco Trust Company | Common/collective trust | $152.5M |
| Earnest Partners Multiple Investmen | SEI Trust Company | Common/collective trust | $142.5M |
| Aristotle Collective Investment TRU | SEI Trust Company | Common/collective trust | $129.8M |
| Target Retirement 2030 Securities L | State Street Global Advisors Trust CO | Common/collective trust | $125.8M |
| Target Retirement 2060 Securities L | State Street Global Advisors Trust CO | Common/collective trust | $102.5M |
| Artisan Multiple Investment Trust | SEI Trust Company | Common/collective trust | $85.8M |
| Target Retirement 2025 Securities L | State Street Global Advisors Trust CO | Common/collective trust | $66.1M |
| Strategic Completion Non-lendable | Blackrock Institutional Trust Company | Common/collective trust | $49.5M |
| Target Retirement 2065 Securities L | State Street Global Advisors Trust CO | Common/collective trust | $33.6M |
| William Blair Emerging Markets Lead | Global Trust Company | Common/collective trust | $31.9M |
| Mackay Shields Collective Investmen | SEI Trust Company | Common/collective trust | $31.0M |
| Target Retirement 2020 Securities L | State Street Global Advisors Trust CO | Common/collective trust | $24.4M |
| Target Retirement Income SEC | State Street Global Advisors Trust CO | Common/collective trust | $24.2M |
How plan assets are invested
| Category (Schedule H) | Amount | Share |
|---|---|---|
| Common/collective trusts | $3.8B | 97.9% |
| Participant loans | $26.1M | 0.7% |
| Other investments | $57.2M | 1.5% |
Fees paid from plan assets
| Investment advisory & management fees | $1.7M |
| Other administrative fees | $2,635 |
| Total administrative expenses | $1.7M |
Reported administrative expenses were about 0.048% of average plan assets, or about $120 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 20250730111146NAL0004571361001. EIN 952536378.