Capital ONE Financial Corporation 401(k): best low-cost funds
Capital ONE Financial Corporation Associate Savings Plan · Plan #002 · Mclean, VA
Suggested simple Boglehead mix
- US stocks (~60%): State Street S&P 500 Index Non-Lending Series Fund
- International stocks (~20-30%): Fidelity Global ex U.S. Index Fund
- Bonds (~10-20%): BlackRock U.S. Debt Index Non-Lendable Fund
Fund names from the plan's public SEC Form 11-K filed 2025-06-25 (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 |
|---|---|---|---|
| Ssga S&P 500 NL SER A index | State Street Global ADV | Common/collective trust | $2.7B |
| BTC Lifepath 2050 Index Fund F index | Blackrock Inst. Trust Company, N.a. | Common/collective trust | $853.8M |
| BTC Lifepath 2055 Indx FD Nl-f | Blackrock Inst. Trust Company, N.a. | Common/collective trust | $770.6M |
| BTC Lifepath 2045 Index Fund F index | Blackrock Inst. Trust Company, N.a. | Common/collective trust | $768.5M |
| Lifepath Index 2040 NL Fund F index | Blackrock Inst. Trust Company, N.a. | Common/collective trust | $597.3M |
| Blackrcklfpth IDX 2060 NL FN F | Blackrock Inst. Trust Company, N.a. | Common/collective trust | $533.3M |
| BTC Lifepath 2035 Index Fund F index | Blackrock Inst. Trust Company, N.a. | Common/collective trust | $459.8M |
| Russ 2500 Index FD index | Blackrock Inst. Trust Company, N.a. | Common/collective trust | $316.0M |
| PRU Core PL BD CL 5 | Prudential Trust Company | Common/collective trust | $303.8M |
| Lifepath Index 2030 NL Fund F index | Blackrock Inst. Trust Company, N.a. | Common/collective trust | $303.6M |
| Lifepath Indx Retire Fund NL F | Blackrock Inst. Trust Company, N.a. | Common/collective trust | $241.2M |
| IGT Invesco Shrttrm Bond | Invesco Trust Company | Common/collective trust | $225.7M |
| Blackrock Lifepath Index 2065 NLF index | Blackrock Inst. Trust Company, N.a. | Common/collective trust | $180.3M |
| Arrowstr Intl EQ Eafe CIT CL M | Global Trust Company | Common/collective trust | $152.1M |
| BTC US Debt Indx Non-lend FD F | Blackrock Inst. Trust Company, N.a. | Common/collective trust | $142.5M |
| Schroder Coll Invt TR CL M | SEI Trust | Common/collective trust | $120.4M |
| Ninety ONE Global Emerg Market EQ | Ninety ONE North America, Inc. | Common/collective trust | $100.7M |
| Frontier SM CAP GR CIT CL A | Frontier Capital Management | Common/collective trust | $100.3M |
| Amern Centy NON U S CON GR TR CL M | Global Trust Company | Common/collective trust | $83.1M |
| IGT Invesco INT | Invesco Trust Company | Common/collective trust | $49.4M |
| IGT Jennison INT | Invesco Trust Company | Common/collective trust | $49.4M |
| IGT Loomis Sayles INT | Invesco Trust Company | Common/collective trust | $24.8M |
| IGT Pimco INT | Invesco Trust Company | Common/collective trust | $24.7M |
| IGT Invesco Core | Invesco Trust Company | Common/collective trust | $24.6M |
| IGT Loomis Sayles Core | Invesco Trust Company | Common/collective trust | $24.6M |
| IGT Pimco Core | Invesco Trust Company | Common/collective trust | $24.6M |
| IGT Dodge & COX Core | Invesco Trust Company | Common/collective trust | $24.5M |
| Strategic Completion NL F Fund | Blackrock Inst. Trust Company, N.a. | Common/collective trust | $17.5M |
| BTC Lifepath 2025 Index Fund F index | Blackrock Inst. Trust Company, N.a. | Common/collective trust | $0 |
| Blackrock Russ 2500 Index FD index | Blackrock Inst. Trust Company, N.a. | Common/collective trust | $0 |
How plan assets are invested
| Category (Schedule H) | Amount | Share |
|---|---|---|
| Registered investment companies (mutual funds) | $454.6M | 3.8% |
| Common/collective trusts | $9.3B | 77.1% |
| Employer securities (company stock) | $459.6M | 3.8% |
| Common stock (direct) | $1.6B | 13.2% |
| Participant loans | $158.6M | 1.3% |
| Other investments | $402,716 | 0.0% |
Fees paid from plan assets
| Contract administrator fees | $17,400 |
| Investment advisory & management fees | $13.6M |
| Other administrative fees | $122,321 |
| Total administrative expenses | $14.3M |
Reported administrative expenses were about 0.129% of average plan assets, or about $207 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 20251010111631NAL0004542995001. EIN 541719854.
FAQ
What are the best low-cost funds in the Capital ONE Financial Corporation 401(k)?
Based on public filings, index options include State Street S&P 500 Index Non-Lending Series Fund (US stocks), Fidelity Global ex U.S. Index Fund (international stocks) and BlackRock U.S. Debt Index Non-Lendable Fund (bonds). Confirm them against your current plan menu and fee disclosure.
Can I build a three-fund portfolio in the Capital ONE Financial 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 Capital ONE Financial Corporation 401(k) plan?
The plan reported about $12.0B in net assets and 68,883 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.
Other holding companies employers
- Bank Of America Corporation
- Wells Fargo & Company
- The Allstate Corporation
- State Street Corporation
- TD Bank US Holding Company
- Lincoln National Corporation