The Charles Schwab Corporation 401(k): best low-cost funds
Schwabplan Retirement Savings And Investment Plan · Plan #002 · Westlake, TX
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.
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Fund menu
This plan reported no named pooled funds on Schedule D, so the free data does not show its fund lineup.
How plan assets are invested
| Category (Schedule H) | Amount | Share |
|---|---|---|
| Registered investment companies (mutual funds) | $5.7B | 63.5% |
| Employer securities (company stock) | $625.5M | 7.0% |
| Participant loans | $100.9M | 1.1% |
| Other investments | $2.2B | 24.6% |
Fees paid from plan assets
| Investment advisory & management fees | $4.1M |
| Total administrative expenses | $4.4M |
Reported administrative expenses were about 0.052% of average plan assets, or about $101 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 20251113121430NAL0001050211001. EIN 943025021.
FAQ
What are the best low-cost funds in the The Charles Schwab Corporation 401(k)?
The free public data doesn't list enough of the The Charles Schwab Corporation 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 The Charles Schwab Corporation 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 The Charles Schwab Corporation 401(k) plan?
The plan reported about $8.9B in net assets and 43,060 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From public U.S. Department of Labor Form 5500 filings (EFAST2) and, where noted, the plan's SEC Form 11-K. Data can be outdated or incomplete, and this page is not financial advice.
Other finance & insurance employers
- Citigroup Inc.
- Morgan Stanley Domestic Holdings, LLC
- The Goldman Sachs Group, Inc.
- U.s. Bancorp
- United Services Automobile Association
- Liberty Mutual Group Inc.