Ameriprise Financial, Inc. 401(k): best low-cost funds
Ameriprise Financial 401(k) Plan · Plan #001 · Minneapolis, MN
Suggested simple Boglehead mix
- US stocks (~60%): BlackRock US Equity Index Fund
- International stocks (~20-30%): BlackRock MSCI ACWI ex-US Index Fund
- Bonds (~10-20%): BlackRock US Debt Index Fund
Fund names from the plan's public SEC Form 11-K filed 2025-06-25 (fund list in the annual report). 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 |
|---|---|---|---|
| Blackrock Equity Index Fund index | Blackrock Institutional Trust Company, N.a. | Common/collective trust | $364.2M |
| CT Contrarian Core Fund 1 | Ameriprise Trust Company | Common/collective trust | $264.1M |
| Wellington Trust Large CAP Growth | Wellington Trust Co., NA | Common/collective trust | $255.7M |
| Boston Prtnrs LRG CAP VAL Equity FD | BNY Mellon Trust Of Delaware | Common/collective trust | $142.4M |
| GQG Partners International Equity | Reliance Trust Company | Common/collective trust | $139.2M |
| Columbia Trust Govt Money Market FD | Ameriprise Trust Company | Common/collective trust | $133.5M |
| CT Total Return Bond Fund | Ameriprise Trust Company | Common/collective trust | $123.5M |
| Voya Target Solution Trust 2035 | Voya Investment Trust CO. | Common/collective trust | $108.4M |
| Voya Target Solution Trust 2030 | Voya Investment Trust CO. | Common/collective trust | $103.7M |
| Voya Target Solution Trust 2040 | Voya Investment Trust CO. | Common/collective trust | $101.1M |
| Voya Target Solution Trust 2045 | Voya Investment Trust CO. | Common/collective trust | $98.5M |
| Victory Small CAP Value | Victory Capital Collective INV Trst | Common/collective trust | $87.9M |
| Peregrine Commingled Investment TRU | SEI Trust Company | Common/collective trust | $83.9M |
| John Hancock MID CAP TR B4 CIT | John Hancock Trust Company Collective Investment Trust | Common/collective trust | $81.2M |
| Voya Target Solution Trust 2050 | Voya Investment Trust CO. | Common/collective trust | $61.6M |
| Voya Target Solution Trust 2025 | Voya Investment Trust CO. | Common/collective trust | $58.4M |
| Blackrock Russell 2500 Index Fund index | Blackrock Institutional Trust Company, N.a. | Common/collective trust | $48.6M |
| Voya Target Solution Trust Income | Voya Investment Trust CO. | Common/collective trust | $45.2M |
| Blackrock Msci Acwi Ex-us Index FUN index | Blackrock Institutional Trust Company, N.a. | Common/collective trust | $39.8M |
| Voya Target Solution Trust 2055 | Voya Investment Trust CO. | Common/collective trust | $36.8M |
| Blackrock US Debt Index Fund index | Blackrock Institutional Trust Company, N.a. | Common/collective trust | $30.0M |
| Voya Target Solution 2060 | Voya Investment Trust CO | Common/collective trust | $24.8M |
| Voya Target Solution Trust 2065 | Voya Investment Trust CO | Common/collective trust | $10.2M |
| Principal/blackrock Stif | Principal | Common/collective trust | $6.0M |
How plan assets are invested
| Category (Schedule H) | Amount | Share |
|---|---|---|
| Registered investment companies (mutual funds) | $413.9M | 11.4% |
| Common/collective trusts | $2.4B | 67.7% |
| Employer securities (company stock) | $514.6M | 14.2% |
| Common stock (direct) | $151.9M | 4.2% |
| Participant loans | $29.7M | 0.8% |
Fees paid from plan assets
| Contract administrator fees | $1.1M |
| Investment advisory & management fees | $509,463 |
| Total administrative expenses | $1.6M |
Reported administrative expenses were about 0.046% of average plan assets, or about $132 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 20250710101125NAL0005405713001. EIN 133180631.
FAQ
What are the best low-cost funds in the Ameriprise Financial, Inc. 401(k)?
Based on public filings, index options include BlackRock US Equity Index Fund (US stocks), BlackRock MSCI ACWI ex-US Index Fund (international stocks) and BlackRock US Debt Index Fund (bonds). Confirm them against your current plan menu and fee disclosure.
Can I build a three-fund portfolio in the Ameriprise Financial, Inc. 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 Ameriprise Financial, Inc. 401(k) plan?
The plan reported about $3.6B in net assets and 11,868 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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