TD Bank US Holding Company 401(k): best low-cost funds
TD 401(k) Retirement Plan · Plan #003 · Portland, ME
Suggested simple Boglehead mix
- US stocks (~60%): Vanguard Inst 500 Index Trust
- International stocks (~20-30%): Vanguard Developed Markets Index
- Bonds (~10-20%): Vanguard Total Bond Market Index IN
Example built from fund names in the filing. Confirm these are on your current menu and check their 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 |
|---|---|---|---|
| Vanguard Inst 500 Index Trust index | Vanguard Fiduciary Trust Company | Common/collective trust | $820.9M |
| William Blair Large CAP GR A | Global Trust Company | Common/collective trust | $576.8M |
| Retirement 2035 Trust | T. Rowe Price Trust Company | Common/collective trust | $471.9M |
| Retirement 2030 Trust | T. Rowe Price Trust Company | Common/collective trust | $469.2M |
| Retirement 2040 Trust | T. Rowe Price Trust Company | Common/collective trust | $452.5M |
| Retirement 2045 Trust | T. Rowe Price Trust Company | Common/collective trust | $418.8M |
| TRP Stable Value Common Trust Fund | T. Rowe Price Trust Company | Common/collective trust | $357.1M |
| Retirement 2025 Trust | T. Rowe Price Trust Company | Common/collective trust | $332.2M |
| Retirement 2050 Trust | T. Rowe Price Trust Company | Common/collective trust | $289.9M |
| Retirement 2055 Trust | T. Rowe Price Trust Company | Common/collective trust | $183.3M |
| Retirement 2020 Trust | T. Rowe Price Trust Company | Common/collective trust | $155.1M |
| MFS International Equity Fund | MFS Heritage Trust Company | Common/collective trust | $124.5M |
| Vanguard Total Bond Market Index IN index | Vanguard Fiduciary Trust Company | Common/collective trust | $107.9M |
| Retirement 2060 Trust | T. Rowe Price Trust Company | Common/collective trust | $103.0M |
| Blackrock Total Return Bond L | Blackrock | Common/collective trust | $90.9M |
| Vanguard Developed Markets Index index | Vanguard Fiduciary Trust Company | Common/collective trust | $90.9M |
| Retirement 2015 Trust | T. Rowe Price Trust Company | Common/collective trust | $53.9M |
| Retirement 2065 Trust | T. Rowe Price Trust Company | Common/collective trust | $35.0M |
| Retirement 2010 Trust | T. Rowe Price Trust Company | Common/collective trust | $25.3M |
| Retirement 2005 Trust | T. Rowe Price Trust Company | Common/collective trust | $16.7M |
| Retirement Balance Trust | T. Rowe Price Trust Company | Common/collective trust | $12.4M |
| TRP Blue Chip Growth Trust | T Rowe Price | Common/collective trust | $0 |
How plan assets are invested
| Category (Schedule H) | Amount | Share |
|---|---|---|
| Registered investment companies (mutual funds) | $462.5M | 7.7% |
| Common/collective trusts | $5.2B | 86.9% |
| Employer securities (company stock) | $155.3M | 2.6% |
| Participant loans | $77.5M | 1.3% |
Fees paid from plan assets
| Investment advisory & management fees | $128,737 |
| Other administrative fees | $900 |
| Total administrative expenses | $1.4M |
Reported administrative expenses were about 0.025% of average plan assets, or about $32 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 20251010121541NAL0004227267001. EIN 010437984.
FAQ
What are the best low-cost funds in the TD Bank US Holding Company 401(k)?
Based on public filings, index options include Vanguard Inst 500 Index Trust (US stocks), Vanguard Developed Markets Index (international stocks) and Vanguard Total Bond Market Index IN (bonds). Confirm them against your current plan menu and fee disclosure.
Can I build a three-fund portfolio in the TD Bank US Holding Company 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 TD Bank US Holding Company 401(k) plan?
The plan reported about $6.0B in net assets and 42,188 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.