International Business Machines Corporation 401(k): best low-cost funds
IBM 401(k) Plan · Plan #005 · Armonk, NY
Suggested simple Boglehead mix
- US stocks (~60%): Total Stock Market Index Fund (managed by State Street Global Advisors)
- International stocks (~20-30%): Total International Stock Market Index Fund (managed by State Street Global Advisors)
- Bonds (~10-20%): Total Bond Market Fund (multi-manager; actively managed, not an index fund)
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.
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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 Employee Benefit Index FND index | Vanguard Fiduciary Trust Company | Common/collective trust | $9.3B |
| Vanguard Russell 1000 Growth Indx T index | Vanguard Fiduciary Trust Company | Common/collective trust | $3.1B |
| Vanguard Russell 1000 Value Indx TR index | Vanguard Fiduciary Trust Company | Common/collective trust | $1.1B |
| Vanguard Russell 2000 Growth Indx T index | Vanguard Fiduciary Trust Company | Common/collective trust | $663.6M |
| Vanguard Russell 2000 Value Indx TR index | Vanguard Fiduciary Trust Company | Common/collective trust | $570.1M |
| Bridgewater ALL Weather Portfolio | Bridgewater Associates, LP | 103-12 investment entity | $500.7M |
| State Street Msci India Index Non-l index | State Street Bank And Trust Company | Common/collective trust | $319.9M |
| AQR Global Risk Parity Enhanced LIQ | AQR Capital Management | Common/collective trust | $300.4M |
| Privest | Prudential Insurance CO. | Pooled separate account | $295.8M |
| State Street TRL Msci Emerging Mkts index | State Street Bank And Trust Company | Common/collective trust | $13.0M |
How plan assets are invested
| Category (Schedule H) | Amount | Share |
|---|---|---|
| Registered investment companies (mutual funds) | $9.2B | 15.5% |
| Common/collective trusts | $15.3B | 25.8% |
| Pooled separate accounts | $295.8M | 0.5% |
| Employer securities (company stock) | $1.3B | 2.1% |
| Common stock (direct) | $19.5B | 32.9% |
| Participant loans | $147.3M | 0.2% |
| Other investments | $493.0M | 0.8% |
Fees paid from plan assets
| Investment advisory & management fees | $29.9M |
| Other administrative fees | $4.5M |
| Total administrative expenses | $36.1M |
Reported administrative expenses were about 0.062% of average plan assets, or about $244 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 20250718120137NAL0000793987001. EIN 130871985.
FAQ
What are the best low-cost funds in the International Business Machines Corporation 401(k)?
Based on public filings, index options include Total Stock Market Index Fund (managed by State Street Global Advisors) (US stocks), Total International Stock Market Index Fund (managed by State Street Global Advisors) (international stocks) and Total Bond Market Fund (multi-manager; actively managed, not an index fund) (bonds). Confirm them against your current plan menu and fee disclosure.
Can I build a three-fund portfolio in the International Business Machines 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 International Business Machines Corporation 401(k) plan?
The plan reported about $59.4B in net assets and 147,543 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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