The TJX Companies, Inc. 401(k): best low-cost funds
The TJX Companies, Inc. 401(k) Savings Plan · Plan #004 · Framingham, 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 |
|---|---|---|---|
| Pmcb US Active Core EQ Fund | Jpmorgan Asset Management | Common/collective trust | $270.4M |
| Vftc Target Retire 2030 Trust Plus | Vanguard Fiduciary Trust Company | Common/collective trust | $267.9M |
| Vftc Target Retire 2035 Trust Plus | Vanguard Fiduciary Trust Company | Common/collective trust | $267.0M |
| Putnam Large CAP Value Trust | Putnam Investment Management, LLC | Common/collective trust | $249.2M |
| Vftc Target Retire 2025 Trust Plus | Vanguard Fiduciary Trust Company | Common/collective trust | $222.1M |
| Vftc Target Retire 2045 Trust Plus | Vanguard Fiduciary Trust Company | Common/collective trust | $209.5M |
| Vftc Target Retire 2040 Trust Plus | Vanguard Fiduciary Trust Company | Common/collective trust | $208.1M |
| Vftc Target Retire 2050 Trust Plus | Vanguard Fiduciary Trust Company | Common/collective trust | $190.8M |
| Vftc Inst 500 Index Trust index | Vanguard Fiduciary Trust Company | Common/collective trust | $183.9M |
| Vftc Target Retire 2055 Trust Plus | Vanguard Fiduciary Trust Company | Common/collective trust | $158.8M |
| Galliard Intermediate Core Fund L | SEI Trust Company | Common/collective trust | $135.4M |
| Vftc Inst TOT Inter ST Mrkt IDX TRU | Vanguard Fiduciary Trust Company | Common/collective trust | $107.2M |
| Vftc Target Retire 2060 Trust Plus | Vanguard Fiduciary Trust Company | Common/collective trust | $98.3M |
| Vftc Target Retire 2020 Trust Plus | Vanguard Fiduciary Trust Company | Common/collective trust | $96.7M |
| Galliard Short Core Fund F | SEI Trust Company | Common/collective trust | $96.1M |
| Vftc Inst TOT STK Mrkt Index Trust index | Vanguard Fiduciary Trust Company | Common/collective trust | $65.5M |
| Vftc Target Retire Income TRU Plus | Vanguard Fiduciary Trust Company | Common/collective trust | $64.2M |
| Vftc Inst TOT Bond Mrkt Index Trust index | Vanguard Fiduciary Trust Company | Common/collective trust | $39.6M |
| Vftc Target Retire 2065 Trust Plus | Vanguard Fiduciary Trust Company | Common/collective trust | $39.1M |
| Short-term Investment Fund II | SEI Trust Company | Common/collective trust | $3.5M |
| Vftc Target Retire 2070 Trust Plus | Vanguard Fiduciary Trust Company | Common/collective trust | $1.9M |
| Vftc TAR Retire INC And Grow TR PLU | Vanguard Fiduciary Trust Company | Common/collective trust | $1.5M |
How plan assets are invested
| Category (Schedule H) | Amount | Share |
|---|---|---|
| Registered investment companies (mutual funds) | $585.7M | 16.0% |
| Common/collective trusts | $3.0B | 81.3% |
| Participant loans | $66.7M | 1.8% |
| Other investments | $11.5M | 0.3% |
Fees paid from plan assets
| Investment advisory & management fees | $1.0M |
| Total administrative expenses | $3.8M |
Reported administrative expenses were about 0.110% of average plan assets, or about $29 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 20251001101810NAL0013054545001. EIN 042207613.