Raymond James Financial, Inc. 401(k): best low-cost funds
Raymond James Financial, Inc. 401(k) Plan · Plan #010 · ST Petersburg, FL
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 |
|---|---|---|---|
| Vanguard Inst 500 Index Trust index | Vanguard Fiduciary Trust Company | Common/collective trust | $335.7M |
| T Rowe Price BC Grwth TR CL T4 | T. Rowe Price Trust Company | Common/collective trust | $283.3M |
| Loomis Sayles LG CP GR TR C | Loomis Sayles Trust Company LLC | Common/collective trust | $175.5M |
| FID Free Blnd Target 2030 R | Fidelity Inst Asset Mgmt Trust CO | Common/collective trust | $114.2M |
| FID Free Blnd Target 2050 R | Fidelity Inst Asset Mgmt Trust CO | Common/collective trust | $110.9M |
| FID Free Blnd Target 2035 R | Fidelity Inst Asset Mgmt Trust CO | Common/collective trust | $109.2M |
| FID Free Blnd Target 2040 R | Fidelity Inst Asset Mgmt Trust CO | Common/collective trust | $105.3M |
| Fiam Blend TGT Date 2045 - R | Fidelity Inst Asset Mgmt Trust CO | Common/collective trust | $94.0M |
| Prin Midcap SEP Acct-z | Principal Life Insurance Company | Pooled separate account | $80.4M |
| Wasatch Core Growth A CIT | SEI Trust Company | Common/collective trust | $71.5M |
| FID Free Blnd Target 2025 R | Fidelity Inst Asset Mgmt Trust CO | Common/collective trust | $69.8M |
| GQG Partners Emerg Mkts EQ A | Reliance Trust Company | Common/collective trust | $59.5M |
| FID Free Blnd Target 2055 R | Fidelity Inst Asset Mgmt Trust CO | Common/collective trust | $59.4M |
| T. Rowe Price Intl CR EQ TR B | T. Rowe Price Trust Company | Common/collective trust | $53.5M |
| FID Free Blnd Target 2020 R | Fidelity Inst Asset Mgmt Trust CO | Common/collective trust | $46.6M |
| Prin Midcap S&P 400 IDX Sa-z index | Principal Life Insurance Company | Pooled separate account | $41.6M |
| Prin Smcap S&P 600 Index Sa-z index | Principal Life Insurance Company | Pooled separate account | $39.6M |
| Prin Core Plus Bond SEP Acct-z | Principal Life Insurance Company | Pooled separate account | $38.8M |
| FID Free Blnd Target 2060 R | Fidelity Inst Asset Mgmt Trust CO | Common/collective trust | $35.0M |
| AM Cent US SM CP VAL EQ Trust | SEI Trust Company | Common/collective trust | $33.9M |
| Nuance MID CAP Value CIT | Reliance Trust Company | Common/collective trust | $25.0M |
| MFS Large CAP Value Class 3 FD | MFS Heritage Trust Company | Common/collective trust | $22.7M |
| FID Free Blnd Target 2065 R | Fidelity Inst Asset Mgmt Trust CO | Common/collective trust | $22.1M |
| Parnassus Sust CR EQ CL 1 CIT | SEI Trust Company | Common/collective trust | $19.5M |
| Principal U.s. Property Sa-z | Principal Life Insurance Company | Pooled separate account | $12.2M |
| FID Free Blnd Target Income R | Fidelity Inst Asset Mgmt Trust CO | Common/collective trust | $11.0M |
| VGD Inst TTL BD MKT IDX Trst | Vanguard Fiduciary Trust Company | Common/collective trust | $10.8M |
| FID Free Blnd Target 2010 R | Fidelity Inst Asset Mgmt Trust CO | Common/collective trust | $10.7M |
| FID Free Blnd Target 2015 R | Fidelity Inst Asset Mgmt Trust CO | Common/collective trust | $9.9M |
| Principal DIV Real Asset Sa-z | Principal Life Insurance Company | Pooled separate account | $7.4M |
| Prin Lgcp S&P 500 Index Sa-z index | Principal Life Insurance Company | Pooled separate account | $0 |
| FID Free Blnd Target 2005 R | Fidelity Inst Asset Mgmt Trust CO | Common/collective trust | $0 |
How plan assets are invested
| Category (Schedule H) | Amount | Share |
|---|---|---|
| Registered investment companies (mutual funds) | $716.6M | 24.9% |
| Common/collective trusts | $1.9B | 65.7% |
| Pooled separate accounts | $220.0M | 7.7% |
| Participant loans | $34.5M | 1.2% |
Fees paid from plan assets
| Contract administrator fees | $684,832 |
| Total administrative expenses | $684,832 |
Reported administrative expenses were about 0.026% of average plan assets, or about $38 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 20250702203437NAL0000076929001. EIN 591517485.
FAQ
What are the best low-cost funds in the Raymond James Financial, Inc. 401(k)?
The free public data doesn't list enough of the Raymond James Financial, Inc. 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 Raymond James Financial, Inc. 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 Raymond James Financial, Inc. 401(k) plan?
The plan reported about $2.9B in net assets and 18,022 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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