AIR Products & Chemicals, Inc. 401(k): best low-cost funds
AIR Products & Chemicals, Inc. Retirement Savings Plan · Plan #001 · Allentown, PA
Suggested simple Boglehead mix
- US stocks (~60%): Spartan 500 Index Pool
- International stocks (~20-30%): Vanguard Total International Stock Index Fund
- Bonds (~10-20%): Vanguard Total Bond Market Index Fund
Fund names from the plan's public SEC Form 11-K filed 2025-06-20 (fund list in the annual report). Confirm they are on your current menu and check 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 |
|---|---|---|---|
| Spartan 500 Index Pool index | Geode Capital Management Trust Company, LLC | Common/collective trust | $383.6M |
| Jpmcb Large CAP Growth Trust Fund | JP Morgan Chase Bank, N.a. | Common/collective trust | $270.4M |
| SS Trgt RET 2030 V | State Street Global Advisors Trust CO | Common/collective trust | $152.6M |
| SS Trgt RET 2040 V | State Street Global Advisors Trust CO | Common/collective trust | $101.3M |
| SS Trgt RET 2035 V | State Street Global Advisors Trust CO | Common/collective trust | $100.9M |
| SS Trgt RET 2025 V | State Street Global Advisors Trust CO | Common/collective trust | $91.2M |
| Invesco Short-term Bond Fund | Invesco Trust CO | Common/collective trust | $78.7M |
| SS Trgt RET 2045 V | State Street Global Advisors Trust CO | Common/collective trust | $69.3M |
| FID International Discovery Pool | Fidelity Management Trust Company | Common/collective trust | $66.6M |
| SS Trgt RET 2050 V | State Street Global Advisors Trust CO | Common/collective trust | $60.5M |
| SS Trgt RET 2055 V | State Street Global Advisors Trust CO | Common/collective trust | $49.6M |
| Spartan Extended Market Index Pool index | Geode Capital Management Trust Company, LLC | Common/collective trust | $49.5M |
| Western Asset Core Plus Bond CIF | Hand Benefits & Trust Company | Common/collective trust | $45.0M |
| SS Trgt RET 2020 V | State Street Global Advisors Trust CO | Common/collective trust | $38.2M |
| SS Trgt RET INC V | State Street Global Advisors Trust CO | Common/collective trust | $33.8M |
| SS Trgt RET 2060 V | State Street Global Advisors Trust CO | Common/collective trust | $22.2M |
| Jennison Intermediate Fund | Invesco Trust CO | Common/collective trust | $17.4M |
| Invesco Intermediate Fund | Invesco Trust CO | Common/collective trust | $17.4M |
| Loomis Sayles Intermediate Fund | Invesco Trust CO | Common/collective trust | $8.7M |
| Pimco Intermediate Fund | Invesco Trust CO | Common/collective trust | $8.7M |
| Loomis Sayles Core Fixed INC Fund | Invesco Trust CO | Common/collective trust | $8.5M |
| Invesco Core Fixed Income Fund | Invesco Trust CO | Common/collective trust | $8.5M |
| Pimco Core Fixed Income Fund | Invesco Trust CO | Common/collective trust | $8.5M |
| Dodge & COX Core Fixed INC Fund | Invesco Trust CO | Common/collective trust | $8.5M |
| SS Trgt RET 2065 V | State Street Global Advisors Trust CO | Common/collective trust | $8.2M |
How plan assets are invested
| Category (Schedule H) | Amount | Share |
|---|---|---|
| Registered investment companies (mutual funds) | $382.9M | 14.0% |
| Common/collective trusts | $1.7B | 62.5% |
| Employer securities (company stock) | $458.8M | 16.8% |
| Common stock (direct) | $141.6M | 5.2% |
| Participant loans | $19.6M | 0.7% |
Fees paid from plan assets
| Contract administrator fees | $3,300 |
| Investment advisory & management fees | $92,266 |
| Other administrative fees | $71,733 |
| Total administrative expenses | $457,369 |
Reported administrative expenses were about 0.017% of average plan assets, or about $50 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 20250708151748NAL0007147232001. EIN 231274455.
FAQ
What are the best low-cost funds in the AIR Products & Chemicals, Inc. 401(k)?
Based on public filings, index options include Spartan 500 Index Pool (US stocks), Vanguard Total International Stock Index Fund (international stocks) and Vanguard Total Bond Market Index Fund (bonds). Confirm them against your current plan menu and fee disclosure.
Can I build a three-fund portfolio in the AIR Products & Chemicals, Inc. 401(k)?
It appears so: the filing lists a US stock index fund, an international index fund and a bond index fund. The split between them depends on your own goals and risk tolerance.
How big is the AIR Products & Chemicals, Inc. 401(k) plan?
The plan reported about $2.7B in net assets and 9,202 participants with balances for plan year 2024, according to its DOL Form 5500 filing.
Where does this data come from?
From public U.S. Department of Labor Form 5500 filings (EFAST2) and, where noted, the plan's SEC Form 11-K. Data can be outdated or incomplete, and this page is not financial advice.
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