United Services Automobile Association 401(k): best low-cost funds
Usaa Retirement Savings Plan · Plan #002 · SAN Antonio, TX
Suggested simple Boglehead mix
- US stocks (~60%): Equity Index Fund F
- International stocks (~20-30%): Msci Acwi Ex-us IMI Index Fund F
- Bonds (~10-20%): US Inflation PRO Bond Index Slsf II
Example built from fund names in the filing. Confirm these are on your current menu and check their expense ratios. Adjust the bond share for your age and risk tolerance.
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 |
|---|---|---|---|
| Equity Index Fund F index | Blackrock Institutional Trust CO NA | Common/collective trust | $2.2B |
| S&P 500 Growth Index Fund-lending index | Northern Trust Investments, Inc. | Common/collective trust | $1.1B |
| Target Retirement 2040 Lending Cliv | State Street Global Advisors Trust Company | Common/collective trust | $930.3M |
| Target Retirement 2030 Lending Cliv | State Street Global Advisors Trust Company | Common/collective trust | $822.3M |
| Extended Equity Market Index-lend index | Northern Trust Investments, Inc. | Common/collective trust | $707.7M |
| Msci Acwi Ex-us IMI Index Fund F index | Blackrock Institutional Trust CO NA | Common/collective trust | $637.2M |
| Target Retirement 2050 Lending Cliv | State Street Global Advisors Trust Company | Common/collective trust | $623.1M |
| Target Retirement 2045 Lending Cliv | State Street Global Advisors Trust Company | Common/collective trust | $391.8M |
| Target Retirement 2035 Lending Cliv | State Street Global Advisors Trust Company | Common/collective trust | $387.9M |
| S&P 500 Value Index Fund-lending index | Northern Trust Investments, Inc. | Common/collective trust | $356.4M |
| Target Retirement 2055 Lending Cliv | State Street Global Advisors Trust Company | Common/collective trust | $311.5M |
| Target Retirement Inc. Lending Cliv | State Street Global Advisors Trust Company | Common/collective trust | $253.0M |
| Target Retirement 2025 Lending Cliv | State Street Global Advisors Trust Company | Common/collective trust | $219.5M |
| Prudential Core Conservative Bond | Prudential Trust Company | Common/collective trust | $199.1M |
| US Inflation PRO Bond Index Slsf II index | State Street Global Advisors Trust Company | Common/collective trust | $85.6M |
| Target Retirement 2060 Lending Cliv | State Street Global Advisors Trust Company | Common/collective trust | $79.5M |
| Target Retirement 2065 Lending Cliv | State Street Global Advisors Trust Company | Common/collective trust | $24.0M |
How plan assets are invested
| Category (Schedule H) | Amount | Share |
|---|---|---|
| Common/collective trusts | $9.4B | 85.9% |
| Participant loans | $162.9M | 1.5% |
| Other investments | $1.1B | 10.5% |
Fees paid from plan assets
| Total administrative expenses | $501,455 |
Reported administrative expenses were about 0.005% of average plan assets, or about $9 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 20251010120735NAL0008123201001. EIN 740959140.