Bank Of America Corporation 401(k): best low-cost funds
The Bank Of America 401(k) Plan · Plan #003 · Charlotte, NC
Suggested simple Boglehead mix
- US stocks (~60%): Vftc Instl 500 Index TR
- International stocks (~20-30%): Vftc Instl TOT Intl Stock MKT Index
- Bonds (~10-20%): Vftc Instl Total Bond MKT Index TR
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 |
|---|---|---|---|
| Vftc Instl 500 Index TR index | Vanguard Fiduciary Trust Company | Common/collective trust | $10.4B |
| Instl Large CAP Growth Trust I | T. Rowe Price | Common/collective trust | $6.0B |
| Stable Value Master Trust | Bank Of America Corporation | Master trust | $5.0B |
| Vftc Instl Extended Market Index TR index | Vanguard Fiduciary Trust Company | Common/collective trust | $3.9B |
| US Fundamental Large CAP Growth FD | Blackrock Institutional Trust Company, N.a. | Common/collective trust | $2.9B |
| MFS International Growth Fund II | MFS Heritage Trust Company | Common/collective trust | $2.3B |
| Equity Dividend Fund M | Blackrock Institutional Trust Company, N.a. | Common/collective trust | $2.2B |
| Vftc Instl Total Bond MKT Index TR index | Vanguard Fiduciary Trust Company | Common/collective trust | $1.3B |
| Lifepath Index 2040 Fund D index | Blackrock Institutional Trust Company, N.a. | Common/collective trust | $1.2B |
| Lifepath Index 2035 Fund D index | Blackrock Institutional Trust Company, N.a. | Common/collective trust | $1.1B |
| Lifepath Index Retirement Fund D index | Blackrock Institutional Trust Company, N.a. | Common/collective trust | $1.1B |
| Lifepath Index 2045 Fund D index | Blackrock Institutional Trust Company, N.a. | Common/collective trust | $1.1B |
| Global Allocation Collective Fund J | Blackrock Institutional Trust Company, N.a. | Common/collective trust | $1.1B |
| Russell 2000 Alpha Tilts Fund G1 index | Blackrock Institutional Trust Company, N.a. | Common/collective trust | $1.1B |
| Lifepath Index 2050 Fund D index | Blackrock Institutional Trust Company, N.a. | Common/collective trust | $1.0B |
| Great Gray CIT Western Asset Core B | Great Gray Trust Company | Common/collective trust | $1.0B |
| Earnest Partners Multiple INV Trust | SEI Trust Company | Common/collective trust | $1.0B |
| Lifepath Index 2030 Fund D index | Blackrock Institutional Trust Company, N.a. | Common/collective trust | $1.0B |
| Vftc Instl TOT Intl Stock MKT Index index | Vanguard Fiduciary Trust Company | Common/collective trust | $932.9M |
| Lifepath Index 2055 Fund D index | Blackrock Institutional Trust Company, N.a. | Common/collective trust | $859.0M |
| Pimco Collective Investment Trust | SEI Trust Company | Common/collective trust | $656.0M |
| Acadian Collective Investment Trust | SEI Trust Company | Common/collective trust | $525.3M |
| Lifepath Index 2060 Fund D index | Blackrock Institutional Trust Company, N.a. | Common/collective trust | $482.5M |
| Real Asset NL Series Fund K | State Street Bank And Trust Company | Common/collective trust | $361.7M |
| Lifepath Index 2065 Fund D index | Blackrock Institutional Trust Company, N.a. | Common/collective trust | $165.5M |
| Lifepath Index 2070 Fund D index | Blackrock Institutional Trust Company, N.a. | Common/collective trust | $4.7M |
| Lifepath Index 2025 Fund T index | Blackrock Institutional Trust Company, N.a. | Common/collective trust | $0 |
| Lifepath Index 2030 Fund T index | Blackrock Institutional Trust Company, N.a. | Common/collective trust | $0 |
| Lifepath Index 2035 Fund T index | Blackrock Institutional Trust Company, N.a. | Common/collective trust | $0 |
| Lifepath Index 2040 Fund T index | Blackrock Institutional Trust Company, N.a. | Common/collective trust | $0 |
| Lifepath Index 2045 Fund T index | Blackrock Institutional Trust Company, N.a. | Common/collective trust | $0 |
| Lifepath Index 2050 Fund T index | Blackrock Institutional Trust Company, N.a. | Common/collective trust | $0 |
| Lifepath Index 2055 Fund T index | Blackrock Institutional Trust Company, N.a. | Common/collective trust | $0 |
| Lifepath Index 2060 Fund T index | Blackrock Institutional Trust Company, N.a. | Common/collective trust | $0 |
| Lifepath Index 2065 Fund T index | Blackrock Institutional Trust Company, N.a. | Common/collective trust | $0 |
| Lifepath Index Retirement Fund T index | Blackrock Institutional Trust Company, N.a. | Common/collective trust | $0 |
How plan assets are invested
| Category (Schedule H) | Amount | Share |
|---|---|---|
| Registered investment companies (mutual funds) | $5.9B | 9.3% |
| Common/collective trusts | $43.9B | 69.8% |
| Master trusts | $5.0B | 8.0% |
| Employer securities (company stock) | $6.6B | 10.5% |
| Common stock (direct) | $117,281 | 0.0% |
| Participant loans | $799.0M | 1.3% |
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 20250721130517NAL0000605299001. EIN 560906609.
FAQ
What are the best low-cost funds in the Bank Of America Corporation 401(k)?
Based on public filings, index options include Vftc Instl 500 Index TR (US stocks), Vftc Instl TOT Intl Stock MKT Index (international stocks) and Vftc Instl Total Bond MKT Index TR (bonds). Confirm them against your current plan menu and fee disclosure.
Can I build a three-fund portfolio in the Bank Of America Corporation 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 Bank Of America Corporation 401(k) plan?
The plan reported about $62.9B in net assets and 248,103 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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