The Procter & Gamble Company 401(k): best low-cost funds
The Procter & Gamble Savings Plan · Plan #042 · Cincinnati, OH
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 |
|---|---|---|---|
| Msci Acwi IMI Index Non-lend Fund F index | Blackrock Institutional Trust CO NA | Common/collective trust | $1.7B |
| Equity NON Lending Class F | Blackrock Institutional Trust CO NA | Common/collective trust | $854.7M |
| US Debt Index Non-lend Fund E index | Blackrock Institutional Trust CO NA | Common/collective trust | $361.2M |
| Msci Acwi Ex-us Index Non-lend FD F index | Blackrock Institutional Trust CO NA | Common/collective trust | $285.3M |
| Real RET X-natl RES EQ NL FD CL A | State Street Bank And Trust Company | Common/collective trust | $207.4M |
| US Short Term Govt Credit BD IDX A | State Street Bank And Trust Company | Common/collective trust | $123.4M |
| NT Coltv Short Term Investment Fund | Northern Trust Investments, Inc. | Common/collective trust | $6.3M |
How plan assets are invested
| Category (Schedule H) | Amount | Share |
|---|---|---|
| Common/collective trusts | $3.5B | 66.0% |
| Employer securities (company stock) | $1.2B | 22.9% |
| Common stock (direct) | $365.5M | 6.8% |
| Participant loans | $26.7M | 0.5% |
Fees paid from plan assets
| Contract administrator fees | $1.5M |
| Investment advisory & management fees | $1.2M |
| Other administrative fees | $3,150 |
| Total administrative expenses | $3.1M |
Reported administrative expenses were about 0.059% of average plan assets, or about $76 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 20251205083856NAL0003062993001. EIN 310411980.