Citigroup Inc. 401(k): best low-cost funds
Citi Retirement Savings Plan · Plan #004 · Stamford, CT
Suggested simple Boglehead mix
- US stocks (~60%): BlackRock Equity Index Fund F
- International stocks (~20-30%): BlackRock EAFE Equity Index Fund F
- Bonds (~10-20%): BlackRock U.S. Debt Index Fund F
Fund names from the plan's public SEC Form 11-K for plan year 2024 (Schedule H, line 4i schedule of assets / fund list). 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 |
|---|---|---|---|
| Blackrock Equity Index Fund F index | Blackrock Insitutional Trust Company, NA | Common/collective trust | $6.2B |
| Blackrock Russell 3000 Index Fund F index | Blackrock Insitutional Trust Company, NA | Common/collective trust | $1.6B |
| Blackrock US Debt Index Fund F index | Blackrock Insitutional Trust Company, NA | Common/collective trust | $1.4B |
| Eafe Equity Index Fund F index | Blackrock Insitutional Trust Company, NA | Common/collective trust | $1.3B |
| MID Capitalization Equity Index FD index | Blackrock Insitutional Trust Company, NA | Common/collective trust | $1.2B |
| Blackrock Lifepath Index 2045 FD F index | Blackrock Insitutional Trust Company, NA | Common/collective trust | $931.0M |
| Blackrock Lifepath Index 2050 FD F index | Blackrock Insitutional Trust Company, NA | Common/collective trust | $755.6M |
| Blackrock Lifepath Index 2040 FD F index | Blackrock Insitutional Trust Company, NA | Common/collective trust | $743.6M |
| Blackrock Lifepath Index RET Fund F index | Blackrock Insitutional Trust Company, NA | Common/collective trust | $710.6M |
| Blackrock Lifepath Index 2035 FD F index | Blackrock Insitutional Trust Company, NA | Common/collective trust | $671.3M |
| Blackrock Russell 2000 Index Fund F index | Blackrock Insitutional Trust Company, NA | Common/collective trust | $627.3M |
| Blackrock Lifepath Index 2055 FD F index | Blackrock Insitutional Trust Company, NA | Common/collective trust | $578.7M |
| Blackrock Lifepath Index 2030 FD F index | Blackrock Insitutional Trust Company, NA | Common/collective trust | $544.1M |
| Blckrk Emerg Mkts Index Fund F index | Blackrock Insitutional Trust Company, NA | Common/collective trust | $511.9M |
| Blackrock Russell 1000 Growth FD F index | Blackrock Insitutional Trust Company, NA | Common/collective trust | $330.7M |
| US Trsry Inflation PRO SEC Fund F | Blackrock Insitutional Trust Company, NA | Common/collective trust | $253.2M |
| Blackrock Lifepath Index 2060 FD F index | Blackrock Insitutional Trust Company, NA | Common/collective trust | $219.9M |
| Schroder Collective Investmnt Trust | SEI Trust Company | Common/collective trust | $106.9M |
| Blackrock Russell 1000 Value Fund F index | Blackrock Insitutional Trust Company, NA | Common/collective trust | $75.6M |
| Collective US Gov't Stif 15 | Bank Of NEW York Mellon | Common/collective trust | $72.5M |
| Roll Select Commodity Index Fund F index | Blackrock Insitutional Trust Company, NA | Common/collective trust | $69.2M |
| Fidelity Fiam Concentrated Emer MKT | Fidelity Institutional Asset Management Trust Company | Common/collective trust | $56.8M |
| Blckrk Msci Acwi ESG Focus Index FD index | Blackrock Insitutional Trust Company, NA | Common/collective trust | $52.5M |
| LS CIT Core Plus Fixed Income | Loomis Sayles | Common/collective trust | $23.7M |
| Blackrock Lifepath Index 2065 FD F index | Blackrock Insitutional Trust Company, NA | Common/collective trust | $5.6M |
| Blackrock Lifepath Index 2025 FD F index | Blackrock Insitutional Trust Company, NA | Common/collective trust | $0 |
| Wellington CIF II Citi Emerging MKT | Wellington Trust Company, NA | Common/collective trust | $0 |
How plan assets are invested
| Category (Schedule H) | Amount | Share |
|---|---|---|
| Registered investment companies (mutual funds) | $1.0B | 4.5% |
| Common/collective trusts | $19.1B | 82.1% |
| Employer securities (company stock) | $733.0M | 3.2% |
| Common stock (direct) | $757.4M | 3.3% |
| Participant loans | $222.1M | 1.0% |
| Other investments | $806.8M | 3.5% |
Fees paid from plan assets
| Contract administrator fees | $4.5M |
| Investment advisory & management fees | $14.0M |
| Other administrative fees | $652,329 |
| Total administrative expenses | $20.4M |
Reported administrative expenses were about 0.093% of average plan assets, or about $174 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 20251010151325NAL0013397952001. EIN 521568099.
FAQ
What are the best low-cost funds in the Citigroup Inc. 401(k)?
Based on public filings, index options include BlackRock Equity Index Fund F (US stocks), BlackRock EAFE Equity Index Fund F (international stocks) and BlackRock U.S. Debt Index Fund F (bonds). Confirm them against your current plan menu and fee disclosure.
Can I build a three-fund portfolio in the Citigroup 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 Citigroup Inc. 401(k) plan?
The plan reported about $23.2B in net assets and 117,203 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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