Ally Financial Inc. 401(k): best low-cost funds
Ally Financial Inc. Retirement Savings Plan · Plan #001 · Detroit, MI
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 |
|---|---|---|---|
| Vanguard Institutional Index index | Vanguard Fiduciary Trust Company | Common/collective trust | $506.6M |
| Callan Large CAP Equity | Wilmington Trust, N.a. | Common/collective trust | $319.6M |
| Vanguard FTC TGT RET 2040 Trust SEL | Vanguard Fiduciary Trust Company | Common/collective trust | $225.0M |
| Vanguard TGT RET 2030 Trust SEL | Vanguard Fiduciary Trust Company | Common/collective trust | $223.8M |
| Vanguard FTC TGT RET 2035 Trust SEL | Vanguard Fiduciary Trust Company | Common/collective trust | $192.6M |
| Vanguard FTC TGT RET 2045 Trust SEL | Vanguard Fiduciary Trust Company | Common/collective trust | $178.2M |
| Vanguard FTC TGT RET 2050 Trust SEL | Vanguard Fiduciary Trust Company | Common/collective trust | $177.6M |
| Callan Small CAP Equity | Wilmington Trust, N.a. | Common/collective trust | $142.6M |
| Vanguard FTC TGT RET 2055 Trust SEL | Vanguard Fiduciary Trust Company | Common/collective trust | $117.1M |
| Vanguard FTC TGT RET 2025 Trust SEL | Vanguard Fiduciary Trust Company | Common/collective trust | $105.6M |
| Vanguard Extended MKT Index index | Vanguard Fiduciary Trust Company | Common/collective trust | $83.1M |
| Invesco Short-term Bond Fund | Invesco Trust Company | Common/collective trust | $78.2M |
| Vanguard FTC TGT RET 2060 Trust SEL | Vanguard Fiduciary Trust Company | Common/collective trust | $68.4M |
| Vanguard Total Institutional Stock | Vanguard Fiduciary Trust Company | Common/collective trust | $54.0M |
| Vanguard Total Bond Market Index index | Vanguard Fiduciary Trust Company | Common/collective trust | $50.0M |
| Vanguard FTC TGT RET 2020 Trust SEL | Vanguard Fiduciary Trust Company | Common/collective trust | $46.3M |
| Callan International Equity | Wilmington Trust, N.a. | Common/collective trust | $44.3M |
| Vanguard FTC TGT RET INC Trust Sele | Vanguard Fiduciary Trust Company | Common/collective trust | $42.0M |
| Callan Core Bond Fund | Wilmington Trust, N.a. | Common/collective trust | $41.4M |
| Vanguard FTC TGT RET 2065 Trust SEL | Vanguard Fiduciary Trust Company | Common/collective trust | $22.5M |
| Invesco Intermediate Fund | Invesco Trust Company | Common/collective trust | $17.1M |
| Jennison Intermediate Fund | Invesco Trust Company | Common/collective trust | $17.1M |
| Loomis Sayles Intermediate Fund | Invesco Trust Company | Common/collective trust | $8.6M |
| Pimco Intermediate Fund | Invesco Trust Company | Common/collective trust | $8.5M |
| Loomis Sayles Core Fixed Income FD | Invesco Trust Company | Common/collective trust | $8.5M |
| Invesco Core Fixed Income Fund | Invesco Trust Company | Common/collective trust | $8.5M |
| Pimco Core Fixed Income Fund | Invesco Trust Company | Common/collective trust | $8.5M |
| Dodge & COX Core Fixed Income Fund | Invesco Trust Company | Common/collective trust | $8.4M |
| Callan Diversified Real Assets | Wilmington Trust, N.a. | Common/collective trust | $7.0M |
| Vanguard FTC TGT RET 2070 Trust SEL | Vanguard Fiduciary Trust Company | Common/collective trust | $4.3M |
How plan assets are invested
| Category (Schedule H) | Amount | Share |
|---|---|---|
| Common/collective trusts | $2.8B | 97.9% |
| Participant loans | $27.3M | 1.0% |
Fees paid from plan assets
| Investment advisory & management fees | $571,948 |
| Other administrative fees | $5,035 |
| Total administrative expenses | $879,583 |
Reported administrative expenses were about 0.032% of average plan assets, or about $58 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 20250925092737NAL0009015840001. EIN 380572512.
FAQ
What are the best low-cost funds in the Ally Financial Inc. 401(k)?
The free public data doesn't list enough of the Ally Financial Inc. plan's index funds to say. Look in your plan's fee disclosure (404a-5 notice) for a US stock index fund, an international index fund and a bond index fund with low expense ratios.
Can I build a three-fund portfolio in the Ally Financial Inc. 401(k)?
Possibly. Many large plans offer the three building blocks, but the public data for this plan doesn't confirm it. A low-cost target-date index fund is a common one-fund alternative.
How big is the Ally Financial Inc. 401(k) plan?
The plan reported about $2.9B in net assets and 15,056 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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