Valero Energy Corporation 401(k): best low-cost funds
Valero Energy Corporation Thrift Plan · Plan #002 · SAN Antonio, TX
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 |
|---|---|---|---|
| State Street S&P 500 Index Fund index | State Street Global Advisors Trust Company | Common/collective trust | $346.0M |
| Putnam Stable Value Fund | Putnam Fiduciary Trust Company, LLC | Common/collective trust | $124.4M |
| Lifepath Index 2040 Fund O index | Blackrock Institutional Trust CO. | Common/collective trust | $75.6M |
| Lifepath Index 2035 Fund O index | Blackrock Institutional Trust CO. | Common/collective trust | $75.5M |
| Lifepath Index 2045 Fund O index | Blackrock Institutional Trust CO. | Common/collective trust | $70.5M |
| Lifepath Index 2050 Fund O index | Blackrock Institutional Trust CO. | Common/collective trust | $67.0M |
| Victory Small CAP VAL Collective FD | Global Trust Company | Common/collective trust | $56.5M |
| Lifepath Index 2030 Fund O index | Blackrock Institutional Trust CO. | Common/collective trust | $52.4M |
| Lifepath Index 2055 Fund O index | Blackrock Institutional Trust CO. | Common/collective trust | $50.9M |
| Lifepath Index Retirement Fund O index | Blackrock Institutional Trust CO. | Common/collective trust | $50.5M |
| Lifepath Index 2060 Fund O index | Blackrock Institutional Trust CO. | Common/collective trust | $39.0M |
| Lifepath Index 2065 Fund O index | Blackrock Institutional Trust CO. | Common/collective trust | $13.0M |
| Putnam Large CAP Value Trust | Putnam Fiduciary Trust Company, LLC | Common/collective trust | $5.6M |
| Lifepath Index 2025 Fund N index | Blackrock Institutional Trust CO. | Common/collective trust | $0 |
| Lifepath Index 2030 Fund N index | Blackrock Institutional Trust CO. | Common/collective trust | $0 |
| Lifepath Index 2035 Fund N index | Blackrock Institutional Trust CO. | Common/collective trust | $0 |
| Lifepath Index 2040 Fund N index | Blackrock Institutional Trust CO. | Common/collective trust | $0 |
| Lifepath Index 2045 Fund N index | Blackrock Institutional Trust CO. | Common/collective trust | $0 |
| Lifepath Index 2050 Fund N index | Blackrock Institutional Trust CO. | Common/collective trust | $0 |
| Lifepath Index 2055 Fund N index | Blackrock Institutional Trust CO. | Common/collective trust | $0 |
| Lifepath Index 2060 Fund N index | Blackrock Institutional Trust CO. | Common/collective trust | $0 |
| Lifepath Index 2065 Fund N index | Blackrock Institutional Trust CO. | Common/collective trust | $0 |
| Lifepath Index Retirement Fund N index | Blackrock Institutional Trust CO. | Common/collective trust | $0 |
How plan assets are invested
| Category (Schedule H) | Amount | Share |
|---|---|---|
| Registered investment companies (mutual funds) | $1.0B | 29.9% |
| Common/collective trusts | $1.0B | 30.3% |
| Employer securities (company stock) | $353.7M | 10.4% |
| Participant loans | $48.4M | 1.4% |
| Other investments | $879.8M | 26.0% |
Fees paid from plan assets
| Total administrative expenses | $0 |
Reported administrative expenses were about 0.000% of average plan assets, or about $0 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 20250709094045NAL0012644226001. EIN 741828067.