Caterpillar Inc. 401(k): best low-cost funds
Caterpillar 401(k) Savings Plan · Plan #035 · Irving, TX
Suggested simple Boglehead mix
- US stocks (~60%): U.S. Large Cap Equity Index Fund
- International stocks (~20-30%): International Equity Index Fund
- Bonds (~10-20%): Bond 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 |
|---|---|---|---|
| Caterpillar INC Investment Trust | Caterpillar Inc. | Master trust | $17.1B |
How plan assets are invested
| Category (Schedule H) | Amount | Share |
|---|---|---|
| Master trusts | $17.1B | 91.2% |
| Participant loans | $133.1M | 0.7% |
| Other investments | $1.3B | 6.8% |
Fees paid from plan assets
| Contract administrator fees | $753,057 |
| Investment advisory & management fees | $4.9M |
| Other administrative fees | $67,905 |
| Total administrative expenses | $8.2M |
Reported administrative expenses were about 0.047% of average plan assets, or about $139 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 20250729123537NAL0001603043001. EIN 370602744.
FAQ
What are the best low-cost funds in the Caterpillar Inc. 401(k)?
Based on public filings, index options include U.S. Large Cap Equity Index Fund (US stocks), International Equity Index Fund (international stocks) and Bond Index Fund (bonds). Confirm them against your current plan menu and fee disclosure.
Can I build a three-fund portfolio in the Caterpillar 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 Caterpillar Inc. 401(k) plan?
The plan reported about $18.8B in net assets and 59,142 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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