At&t Inc. 401(k): best low-cost funds
At&t Retirement Savings Plan · Plan #009 · Dallas, TX
Suggested simple Boglehead mix
- US stocks (~60%): Total U.S. Stock Market Index Fund
- International stocks (~20-30%): International Stock Index Fund
- Bonds (~10-20%): AT&T Total Return Bond Fund (actively managed, not an index fund)
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.
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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 |
|---|---|---|---|
| At&t Savings Plan Master Trust | At&t Inc. | Master trust | $42.5B |
How plan assets are invested
| Category (Schedule H) | Amount | Share |
|---|---|---|
| Master trusts | $42.5B | 98.7% |
| Participant loans | $572.7M | 1.3% |
Fees paid from plan assets
| Investment advisory & management fees | $14.9M |
| Total administrative expenses | $16.9M |
Reported administrative expenses were about 0.041% of average plan assets, or about $90 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 20251008164602NAL0010190992001. EIN 431301883.
FAQ
What are the best low-cost funds in the At&t Inc. 401(k)?
Based on public filings, index options include Total U.S. Stock Market Index Fund (US stocks), International Stock Index Fund (international stocks) and AT&T Total Return Bond Fund (actively managed, not an index fund) (bonds). Confirm them against your current plan menu and fee disclosure.
Can I build a three-fund portfolio in the At&t 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 At&t Inc. 401(k) plan?
The plan reported about $43.1B in net assets and 188,628 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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