Ameren Corporation 401(k): best low-cost funds
Ameren Corporation Savings Investment Plan · Plan #003 · ST. Louis, MO
Suggested simple Boglehead mix
- US stocks (~60%): Equity Index Fund F
- International stocks (~20-30%): Msci Acwi Ex-us IMI Index Fund F
- Bonds (~10-20%): Blackrock Tips Bond Index Fund M
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 |
|---|---|---|---|
| Equity Index Fund F index | Blackrock Institutional Trust Company, N.a. | Common/collective trust | $500.6M |
| Russell 2500 Index Fund F index | Blackrock Institutional Trust Company, N.a. | Common/collective trust | $173.1M |
| Lifepath Index 2030 Fund W index | Blackrock Institutional Trust Company, N.a. | Common/collective trust | $138.6M |
| Lifepath Index 2045 Fund W index | Blackrock Institutional Trust Company, N.a. | Common/collective trust | $136.1M |
| Lifepath Index 2050 Fund W index | Blackrock Institutional Trust Company, N.a. | Common/collective trust | $135.6M |
| Galliard Intermediate Core Fund L | SEI Trust Company | Common/collective trust | $128.9M |
| Lifepath Index Retirement Fund W index | Blackrock Institutional Trust Company, N.A | Common/collective trust | $127.4M |
| Boston Partnrs LG CAP VAL EQ Fund E | Boston Partners Trust CO | Common/collective trust | $123.1M |
| Lifepath Index 2040 Fund W index | Blackrock Institutional Trust Company, N.A | Common/collective trust | $120.3M |
| Lifepath Index 2035 Fund W index | Blackrock Institutional Trust Company, N.a. | Common/collective trust | $112.5M |
| Lyrical U.s. Value Equity CIT Class | Lyrical Asset Management | Common/collective trust | $102.7M |
| Lifepath Index 2055 Fund W index | Blackrock Institutional Trust Company, N.a. | Common/collective trust | $98.2M |
| Msci Acwi Ex-us IMI Index Fund F index | Blackrock Institutional Trust Company, NA | Common/collective trust | $89.9M |
| Galliard Short Core Fund F | SEI Trust Company | Common/collective trust | $88.0M |
| Wellington CIF II Core Bond Plus P | Wellington Management Company LLP | Common/collective trust | $78.9M |
| Snyder Capital Value Fund R1 | Hand Benefits And Trust Company | Common/collective trust | $56.4M |
| Lifepath Index 2060 Fund W index | Blackrock Institutional Trust Company, N.A | Common/collective trust | $46.1M |
| US Debt Index Fund F index | Blackrock Institutional Trust Company, N.a. | Common/collective trust | $31.5M |
| Blackrock Tips Bond Index Fund M index | Blackrock Institutional Trust Company, NA | Common/collective trust | $19.7M |
| Lifepath Index 2065 Fund W index | Blackrock Institutional Trust Company, N.a. | Common/collective trust | $15.8M |
| Short Term INV Fund A S | SEI Trust Company | Common/collective trust | $9.0M |
| Lifepath Index 2025 Fund W index | Blackrock Institutional Trust Company, N.a. | Common/collective trust | $0 |
How plan assets are invested
| Category (Schedule H) | Amount | Share |
|---|---|---|
| Registered investment companies (mutual funds) | $197.6M | 6.2% |
| Common/collective trusts | $2.3B | 72.8% |
| Employer securities (company stock) | $339.6M | 10.6% |
| Common stock (direct) | $286.3M | 8.9% |
| Participant loans | $37.5M | 1.2% |
Fees paid from plan assets
| Contract administrator fees | $0 |
| Investment advisory & management fees | $2.9M |
| Other administrative fees | $119,984 |
| Total administrative expenses | $3.5M |
Reported administrative expenses were about 0.114% of average plan assets, or about $304 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 20250905104138NAL0028746192001. EIN 431723446.
FAQ
What are the best low-cost funds in the Ameren Corporation 401(k)?
Based on public filings, index options include Equity Index Fund F (US stocks), Msci Acwi Ex-us IMI Index Fund F (international stocks) and Blackrock Tips Bond Index Fund M (bonds). Confirm them against your current plan menu and fee disclosure.
Can I build a three-fund portfolio in the Ameren 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 Ameren Corporation 401(k) plan?
The plan reported about $3.2B in net assets and 11,535 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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