Morgan Stanley Domestic Holdings, LLC 401(k): best low-cost funds
Morgan Stanley 401(k) Plan · Plan #003 · NEW York, NY
Suggested simple Boglehead mix
- US stocks (~60%): BlackRock Equity Index Unitized Account
- International stocks (~20-30%): BlackRock MSCI ACWI ex US IMI Index Unitized Account
- Bonds (~10-20%): BlackRock US Debt Index Unitized Account
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 |
|---|---|---|---|
| Equity Index NL Fund index | Blackrock Institutional Trust CO. N | Common/collective trust | $4.1B |
| Commingled Pension Trust FD LCG JPM | Jpmorgan Chase Bank, N.a. | Common/collective trust | $1.8B |
| Ssga Target Retirement 2035 NL FD A | State Street Bank And Trust Company | Common/collective trust | $688.5M |
| MID CAP Equity Index NL Fund F index | Blackrock Institutional Trust CO. N | Common/collective trust | $652.3M |
| Ssga Target Retirement 2030 NL FD A | State Street Bank And Trust Company | Common/collective trust | $550.7M |
| Ssga Target Retirement 2040 NL FD A | State Street Bank And Trust Company | Common/collective trust | $547.1M |
| Russell 2000 Index NL Fund M index | Blackrock Institutional Trust CO. N | Common/collective trust | $546.2M |
| Ssga Target Retirement 2045 NL FD A | State Street Bank And Trust Company | Common/collective trust | $532.8M |
| Ssga Target Retirement 2050 NL FD A | State Street Bank And Trust Company | Common/collective trust | $480.1M |
| Msci Acwi Ex-us Index Fund index | Blackrock Institutional Trust CO. N | Common/collective trust | $426.0M |
| Ssga Target Retirement 2025 NL FD A | State Street Bank And Trust Company | Common/collective trust | $333.3M |
| Ssga Target Retirement 2055 NL FD A | State Street Bank And Trust Company | Common/collective trust | $330.7M |
| William Blair EM Grwth Coll INV FD | Global Trust Company | Common/collective trust | $319.9M |
| Collective Invt Total Return Collec | Pimco | Common/collective trust | $298.6M |
| Ts&w International LC Equity Trust | Global Trust Company | Common/collective trust | $287.9M |
| US Debt Index NL Fund index | Blackrock Institutional Trust CO. N | Common/collective trust | $252.2M |
| Ssga Target Retirement NL Fund A | State Street Bank And Trust Company | Common/collective trust | $196.2M |
| Ssga Target Retirement 2060 NL FD A | State Street Bank And Trust Company | Common/collective trust | $189.5M |
| Blackrock Emer Mrkt Index NL Fund F index | Blackrock Institutional Trust Company, N.a. | Common/collective trust | $177.2M |
| Msci Acwi ESG Focus Index index | Blackrock Institutional Trust Company, N.a. | Common/collective trust | $118.3M |
| Ssga Target Retirement 2020 NL FD A | State Street Bank And Trust Company | Common/collective trust | $110.2M |
| Ntgi Collective Short Term INV Fund | Northern Trust | Common/collective trust | $108.9M |
| Ssga Target Retirement 2065 NL FD A | State Street Bank And Trust Company | Common/collective trust | $104.5M |
| US High Yield Bond Index index | Blackrock Institutional Trust Company, N.a. | Common/collective trust | $81.1M |
| NA Invt FDS E Developed Real Estate | Blackrock Institutional Trust Company, N.a. | Common/collective trust | $65.2M |
| Wellington OPP Emerging Markts Debt | Wellington Trust Company NA | Common/collective trust | $58.4M |
| Short Term Floating NAV II | Pimco | Common/collective trust | $30.0M |
| Ssga US HI YLD Bond Indx NL Class A | State Street Bank And Trust Company | Common/collective trust | $0 |
| State Street Global Reit | State Street Bank And Trust Company | Common/collective trust | $0 |
How plan assets are invested
| Category (Schedule H) | Amount | Share |
|---|---|---|
| Registered investment companies (mutual funds) | $78.8M | 0.4% |
| Common/collective trusts | $13.4B | 61.0% |
| Employer securities (company stock) | $3.3B | 14.9% |
| Common stock (direct) | $2.9B | 13.0% |
| Participant loans | $130.4M | 0.6% |
| Other investments | $607.2M | 2.8% |
Fees paid from plan assets
| Investment advisory & management fees | $16.7M |
| Other administrative fees | $61,961 |
| Total administrative expenses | $17.1M |
Reported administrative expenses were about 0.083% of average plan assets, or about $221 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 20251010150034NAL0004732579001. EIN 208764829.
FAQ
What are the best low-cost funds in the Morgan Stanley Domestic Holdings, LLC 401(k)?
Based on public filings, index options include BlackRock Equity Index Unitized Account (US stocks), BlackRock MSCI ACWI ex US IMI Index Unitized Account (international stocks) and BlackRock US Debt Index Unitized Account (bonds). Confirm them against your current plan menu and fee disclosure.
Can I build a three-fund portfolio in the Morgan Stanley Domestic Holdings, LLC 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 Morgan Stanley Domestic Holdings, LLC 401(k) plan?
The plan reported about $22.0B in net assets and 77,339 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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