Phillips 66 Company 401(k): best low-cost funds
Phillips 66 Savings Plan · Plan #002 · Houston, TX
Suggested simple Boglehead mix
- US stocks (~60%): Vanguard Inst 500 Index Trust
- International stocks (~20-30%): Vanguard Inst Total Int Stock Market Index Trust
- Bonds (~10-20%): Vanguard Inst Total Bond Market Index Trust
Fund names from the plan's public SEC Form 11-K filed 2025-06-20 (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 |
|---|---|---|---|
| Vang. Instl. 500 Index Trust index | Vanguard Fiduciary Trust Company | Common/collective trust | $1.3B |
| Vang. Instl. Extd Mrkt IDX Trust | Vanguard Fiduciary Trust Company | Common/collective trust | $410.3M |
| Vang. Instl TTL BND Mrkt IDX TR | Vanguard Fiduciary Trust Company | Common/collective trust | $401.0M |
| Vftc TOT Intl Stock MRK Index Trust index | Vanguard Fiduciary Trust Company | Common/collective trust | $364.6M |
| IGT Invesco Short-term Bond Fund | Invesco Trust Company | Common/collective trust | $311.9M |
| Vftc Target Retirement 2050 Trst SL | Vanguard Fiduciary Trust Company | Common/collective trust | $309.2M |
| Vftc Target Retirement 2045 Trst SL | Vanguard Fiduciary Trust Company | Common/collective trust | $297.5M |
| Vftc Target Retirement 2035 Trst SL | Vanguard Fiduciary Trust Company | Common/collective trust | $293.1M |
| Vftc Target Retirement 2030 Trst SL | Vanguard Fiduciary Trust Company | Common/collective trust | $287.8M |
| Vftc Target Retirement 2025 Trst SL | Vanguard Fiduciary Trust Company | Common/collective trust | $257.2M |
| Vftc Target Retirement 2040 Trst SL | Vanguard Fiduciary Trust Company | Common/collective trust | $250.8M |
| Vftc Target Retirement 2055 Trst SL | Vanguard Fiduciary Trust Company | Common/collective trust | $234.4M |
| Vftc Target Retirement 2020 Trst SL | Vanguard Fiduciary Trust Company | Common/collective trust | $131.3M |
| Vftc Target Retirement 2060 Trst SL | Vanguard Fiduciary Trust Company | Common/collective trust | $99.0M |
| Vftc Target Retirement Inco Trst SL | Vanguard Fiduciary Trust Company | Common/collective trust | $90.5M |
| IGT Invesco Intermediate G/C Fund | Invesco Trust Company | Common/collective trust | $69.7M |
| IGT Jennison Intermediate G/C Fund | Invesco Trust Company | Common/collective trust | $67.7M |
| IGT Invesco Core Fixed Income | Invesco Trust Company | Common/collective trust | $35.0M |
| Vftc Target Retirement 2065 Trst SL | Vanguard Fiduciary Trust Company | Common/collective trust | $35.0M |
| IGT Pimco Core Fixed Income Fund | Invesco Trust Company | Common/collective trust | $35.0M |
| IGT Loomis Sayles Intermediate Fund | Invesco Trust Company | Common/collective trust | $34.4M |
| IGT Dodge & COX Core Fixed Income | Invesco Trust Company | Common/collective trust | $34.3M |
| IGT Pimco Intermediate G/C Fund | Invesco Trust Company | Common/collective trust | $34.1M |
| IGT Loomis Sayles Core Fixed Income | Invesco Trust Company | Common/collective trust | $33.3M |
| GS Core Fixed INC Coltv Trust Class | Goldman Sachs Trust Company | Common/collective trust | $28.0M |
| NT Collective Short Term Invst Fund | Northern Trust Company | Common/collective trust | $26.8M |
| Vftc Target Retirement 2070 Trst SL | Vanguard Fiduciary Trust Company | Common/collective trust | $10.3M |
| Vftc Target Retirement Inco Trst PL | Vanguard Fiduciary Trust Company | Common/collective trust | $0 |
| Vftc Target Retirement 2020 Trst PL | Vanguard Fiduciary Trust Company | Common/collective trust | $0 |
| Vftc Target Retirement 2025 Trst PL | Vanguard Fiduciary Trust Company | Common/collective trust | $0 |
| Vftc Target Retirement 2030 Trst PL | Vanguard Fiduciary Trust Company | Common/collective trust | $0 |
| Vftc Target Retirement 2035 Trst PL | Vanguard Fiduciary Trust Company | Common/collective trust | $0 |
| Vftc Target Retirement 2040 Trst PL | Vanguard Fiduciary Trust Company | Common/collective trust | $0 |
| Vftc Target Retirement 2045 Trst PL | Vanguard Fiduciary Trust Company | Common/collective trust | $0 |
| Vftc Target Retirement 2050 Trst PL | Vanguard Fiduciary Trust Company | Common/collective trust | $0 |
| Vftc Target Retirement 2055 Trst PL | Vanguard Fiduciary Trust Company | Common/collective trust | $0 |
| Vftc Target Retirement 2060 Trst PL | Vanguard Fiduciary Trust Company | Common/collective trust | $0 |
| Vftc Target Retirement 2065 Trst PL | Vanguard Fiduciary Trust Company | Common/collective trust | $0 |
| Vftc Target Retirement 2070 Trst PL | Vanguard Fiduciary Trust Company | Common/collective trust | $0 |
How plan assets are invested
| Category (Schedule H) | Amount | Share |
|---|---|---|
| Registered investment companies (mutual funds) | $922.3M | 12.0% |
| Common/collective trusts | $5.5B | 71.2% |
| Employer securities (company stock) | $1.2B | 15.7% |
| Participant loans | $82.8M | 1.1% |
Fees paid from plan assets
| Other administrative fees | $3.6M |
| Total administrative expenses | $3.6M |
Reported administrative expenses were about 0.048% of average plan assets, or about $204 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 20251007183315NAL0002648243001. EIN 371652702.
FAQ
What are the best low-cost funds in the Phillips 66 Company 401(k)?
Based on public filings, index options include Vanguard Inst 500 Index Trust (US stocks), Vanguard Inst Total Int Stock Market Index Trust (international stocks) and Vanguard Inst Total Bond Market Index Trust (bonds). Confirm them against your current plan menu and fee disclosure.
Can I build a three-fund portfolio in the Phillips 66 Company 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 Phillips 66 Company 401(k) plan?
The plan reported about $7.7B in net assets and 17,803 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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