Mastercard International Incorporated 401(k): best low-cost funds
Mastercard Savings Plan · Plan #002 · Purchase, NY
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.
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 |
|---|---|---|---|
| S&P 500(r) Index Securities Lending index | State Street Global Advisors Trust CO | Common/collective trust | $762.1M |
| T. Rowe Price Large-cap Growth Trus | T. Rowe Price Trust Company | Common/collective trust | $349.3M |
| Russell Small MID CAP Index Securit index | State Street Global Advisors Trust CO | Common/collective trust | $316.3M |
| Core Plus Bond Fund | Prudential Trust Company | Common/collective trust | $242.0M |
| International Index Securities Lend index | State Street Global Advisors Trust | Common/collective trust | $214.0M |
| Target Retirement 2045 Securities L | State Street Global Advisors Trust CO | Common/collective trust | $202.4M |
| Target Retirement 2050 Securities L | State Street Global Advisors Trust CO | Common/collective trust | $192.6M |
| Target Retirement 2035 Securities L | State Street Global Advisors Trust CO | Common/collective trust | $179.5M |
| Target Retirement 2040 Securities L | State Street Global Advisors Trust CO | Common/collective trust | $177.6M |
| Target Retirement 2055 Securities L | State Street Global Advisors Trust CO | Common/collective trust | $156.0M |
| Invesco Stable Value Trust | Invesco Trust Company | Common/collective trust | $152.5M |
| Earnest Partners Multiple Investmen | SEI Trust Company | Common/collective trust | $142.5M |
| Aristotle Collective Investment TRU | SEI Trust Company | Common/collective trust | $129.8M |
| Target Retirement 2030 Securities L | State Street Global Advisors Trust CO | Common/collective trust | $125.8M |
| Target Retirement 2060 Securities L | State Street Global Advisors Trust CO | Common/collective trust | $102.5M |
| Artisan Multiple Investment Trust | SEI Trust Company | Common/collective trust | $85.8M |
| Target Retirement 2025 Securities L | State Street Global Advisors Trust CO | Common/collective trust | $66.1M |
| Strategic Completion Non-lendable | Blackrock Institutional Trust Company | Common/collective trust | $49.5M |
| Target Retirement 2065 Securities L | State Street Global Advisors Trust CO | Common/collective trust | $33.6M |
| William Blair Emerging Markets Lead | Global Trust Company | Common/collective trust | $31.9M |
| Mackay Shields Collective Investmen | SEI Trust Company | Common/collective trust | $31.0M |
| Target Retirement 2020 Securities L | State Street Global Advisors Trust CO | Common/collective trust | $24.4M |
| Target Retirement Income SEC | State Street Global Advisors Trust CO | Common/collective trust | $24.2M |
How plan assets are invested
| Category (Schedule H) | Amount | Share |
|---|---|---|
| Common/collective trusts | $3.8B | 97.9% |
| Participant loans | $26.1M | 0.7% |
| Other investments | $57.2M | 1.5% |
Fees paid from plan assets
| Investment advisory & management fees | $1.7M |
| Other administrative fees | $2,635 |
| Total administrative expenses | $1.7M |
Reported administrative expenses were about 0.048% of average plan assets, or about $120 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 20250730111146NAL0004571361001. EIN 952536378.
FAQ
What are the best low-cost funds in the Mastercard International Incorporated 401(k)?
The free public data doesn't list enough of the Mastercard International Incorporated 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 Mastercard International Incorporated 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 Mastercard International Incorporated 401(k) plan?
The plan reported about $3.9B in net assets and 14,304 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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