Cisco Systems,inc. 401(k): best low-cost funds
Cisco Systems,inc. 401(k) Plan · Plan #001 · SAN Jose, CA
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 |
|---|---|---|---|
| Blkrk US EQ MKT IDX | Blackrock Inst. Trust Company, N.a. | Common/collective trust | $8.7B |
| Lifepath IDX 2040 F | Blackrock Inst. Trust Company, N.a. | Common/collective trust | $1.1B |
| International Equity | Blackrock Inst. Trust Company, N.a. | Common/collective trust | $965.2M |
| Lifepath IDX 2050 F | Blackrock Inst. Trust Company, N.a. | Common/collective trust | $930.8M |
| Blackrock MS Acwi Exus Inxfd F | Blackrock Inst. Trust Company, N.a. | Common/collective trust | $922.1M |
| Lifepath IDX 2035 F | Blackrock Inst. Trust Company, N.a. | Common/collective trust | $884.9M |
| Lifepath IDX 2045 F | Blackrock Inst. Trust Company, N.a. | Common/collective trust | $857.3M |
| Lifepath IDX 2030 F | Blackrock Inst. Trust Company, N.a. | Common/collective trust | $841.2M |
| Lifepath IDX 2055 F | Blackrock Inst. Trust Company, N.a. | Common/collective trust | $836.3M |
| Blkrk US Debt Index index | Blackrock Inst. Trust Company, N.a. | Common/collective trust | $795.3M |
| Lifepath Index RET F index | Blackrock Inst. Trust Company, N.a. | Common/collective trust | $616.1M |
| Lifepath IDX 2060 F | Blackrock Inst. Trust Company, N.a. | Common/collective trust | $376.0M |
| LS Core Plus Bond F | Loomis Sayles Trust Company, LLC | Common/collective trust | $366.2M |
| Lifepath Index 2065 Fund F index | Blackrock Inst. Trust Company, N.a. | Common/collective trust | $19.3M |
| Lifepath IDX 2025 F | 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) | $1.5B | 6.5% |
| Common/collective trusts | $18.2B | 80.3% |
| Common stock (direct) | $1.5B | 6.7% |
| Participant loans | $86.3M | 0.4% |
| Other investments | $729.8M | 3.2% |
Fees paid from plan assets
| Contract administrator fees | $30,000 |
| Investment advisory & management fees | $8.0M |
| Other administrative fees | $66,984 |
| Total administrative expenses | $6.8M |
Reported administrative expenses were about 0.032% of average plan assets, or about $94 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 20250730174516NAL0005109777001. EIN 770059951.
FAQ
What are the best low-cost funds in the Cisco Systems,inc. 401(k)?
The free public data doesn't list enough of the Cisco Systems,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 Cisco Systems,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 Cisco Systems,inc. 401(k) plan?
The plan reported about $22.7B in net assets and 72,060 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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