Oracle Corporation 401(k): best low-cost funds
Oracle Corporation 401(k) Savings And Investment Plan · Plan #001 · Redwood Shores, CA
Suggested simple Boglehead mix
- US stocks (~60%): Vanguard Institutional 500 Index Trust
- International stocks (~20-30%): Vanguard Institutional Total International Stock Market Index Trust
- Bonds (~10-20%): Vanguard Institutional Total Bond Market Index Trust
Fund names from the plan's public SEC Form 11-K for plan year 2024 (Schedule H, line 4i schedule of assets / fund list). Confirm they are on your current menu and check expense ratios. Adjust the bond share for your age and risk tolerance.
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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 |
|---|---|---|---|
| Vanguard Inst 500 Index Trust index | Vanguard Fiduciary Trust Company | Common/collective trust | $4.6B |
| Fidelity Growth Company Pool CL S | Fidelity Management Trust Company | Common/collective trust | $3.6B |
| Fidelity Contrafund Pool CL S | Fidelity Management Trust Company | Common/collective trust | $2.8B |
| Vanguard Target RET 2040 Trust | Vanguard Fiduciary Trust Company | Common/collective trust | $1.1B |
| Vanguard Target RET 2035 Trust | Vanguard Fiduciary Trust Company | Common/collective trust | $1.0B |
| Vanguard Target RET 2030 Trust | Vanguard Fiduciary Trust Company | Common/collective trust | $1.0B |
| Vanguard Target RET 2045 Trust | Vanguard Fiduciary Trust Company | Common/collective trust | $861.1M |
| Vanguard Inst Extended MKT IDX TR | Vanguard Fiduciary Trust Company | Common/collective trust | $785.2M |
| Vanguard Inst Total Bond MKT IDX TR index | Vanguard Fiduciary Trust Company | Common/collective trust | $735.0M |
| Vanguard Target RET 2050 Trust | Vanguard Fiduciary Trust Company | Common/collective trust | $724.8M |
| Vanguard TOT Intl STK MKT IDX TR | Vanguard Fiduciary Trust Company | Common/collective trust | $723.5M |
| Vanguard Target RET 2025 Trust | Vanguard Fiduciary Trust Company | Common/collective trust | $623.5M |
| Vanguard Target RET 2055 Trust | Vanguard Fiduciary Trust Company | Common/collective trust | $571.2M |
| Fidelity Low-priced Stock Pool CL O | Fidelity Management Trust Company | Common/collective trust | $566.5M |
| Fixed Income Fund F | SEI Trust Company | Common/collective trust | $475.0M |
| Vanguard Target RET 2060 Trust | Vanguard Fiduciary Trust Company | Common/collective trust | $381.1M |
| Fixed Income Fund A | SEI Trust Company | Common/collective trust | $353.6M |
| Vanguard Target RET 2020 Trust | Vanguard Fiduciary Trust Company | Common/collective trust | $292.5M |
| Loomis Sayles Core PL FIX INC FD D | Loomis Sayles | Common/collective trust | $228.3M |
| Allspring Core Bond II CIT EF3 | SEI Trust Company | Common/collective trust | $228.3M |
| Vanguard Target RET Income Trust | Vanguard Fiduciary Trust Company | Common/collective trust | $151.1M |
| Fixed Income Fund E | SEI Trust Company | Common/collective trust | $121.5M |
| Vanguard Target RET 2065 Trust | Vanguard Fiduciary Trust Company | Common/collective trust | $113.7M |
| Fixed Income Fund Q | SEI Trust Company | Common/collective trust | $112.0M |
| Fixed Income Fund L | SEI Trust Company | Common/collective trust | $95.2M |
| Vanguard Target RET 2070 Trust | Vanguard Fiduciary Trust Company | Common/collective trust | $11.5M |
| T. Rowe Price Emerg Mrkts EQ TR B | T. Rowe Price Trust Company | Common/collective trust | $0 |
| Fixed Income Fund N | SEI Trust Company | Common/collective trust | $0 |
How plan assets are invested
| Category (Schedule H) | Amount | Share |
|---|---|---|
| Registered investment companies (mutual funds) | $4.1B | 13.3% |
| Common/collective trusts | $22.2B | 71.7% |
| Employer securities (company stock) | $1.9B | 6.1% |
| Common stock (direct) | $2.0B | 6.4% |
| Participant loans | $101.6M | 0.3% |
| Other investments | $213,562 | 0.0% |
Fees paid from plan assets
| Contract administrator fees | $31,500 |
| Investment advisory & management fees | $9.4M |
| Other administrative fees | $178,562 |
| Total administrative expenses | $10.7M |
Reported administrative expenses were about 0.037% of average plan assets, or about $107 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 20250425143927NAL0005242051001. EIN 542185193.