UBS AG 401(k): best low-cost funds
UBS 401(k) Plan Trust · Plan #002 · Weehawken, NJ
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 |
|---|---|---|---|
| Ssga S&P 500 Index NL SF CL K index | State Street Global Advisors | Common/collective trust | $2.0B |
| NT Coll Govt. Short Term INV FD | Northern Trust Investments, Inc. | Common/collective trust | $532.7M |
| Vanguard Target RET 2030 | Vanguard | Common/collective trust | $467.0M |
| Vanguard Target RET 2040 | Vanguard | Common/collective trust | $437.7M |
| Vanguard Target RET 2035 | Vanguard | Common/collective trust | $339.3M |
| Vanguard Target RET 2050 | Vanguard | Common/collective trust | $290.2M |
| Vanguard Target RET 2045 | Vanguard | Common/collective trust | $264.5M |
| Vanguard Target RET 2025 | Vanguard | Common/collective trust | $209.0M |
| Ssga Russell Small/mid CAP Index NL index | State Street Global Advisors | Common/collective trust | $204.2M |
| Invesco Stable Value RET Fund | Invesco Trust Company | Common/collective trust | $199.5M |
| Vanguard Target RET 2020 | Vanguard | Common/collective trust | $165.2M |
| Prudential Core Plus Bond Fund | Prudential Trust Company | Common/collective trust | $154.3M |
| Vanguard Target RET 2055 | Vanguard | Common/collective trust | $134.4M |
| Ssga Global ALL CAP Equity Ex-u.s. | State Street Bank And Trust Company | Common/collective trust | $122.9M |
| Vanguard Target RET 2060 | Vanguard | Common/collective trust | $120.6M |
| Ofigtc Emerging Markets Equity Fund | Oppenheimer | Common/collective trust | $116.2M |
| Ssga US Bond Index NL Series CL K index | State Street Global Advisors | Common/collective trust | $84.4M |
| Mondrian Intl Value Equity | SEI Trust Company | Common/collective trust | $79.4M |
| Mirova Global SUS EQ. Coll Invst. | Global Trust Company | Common/collective trust | $78.6M |
| Vanguard Target RET Income | Vanguard | Common/collective trust | $73.1M |
| Vanguard Target RET 2065 | Vanguard | Common/collective trust | $65.6M |
| Loomis Sayles Global Bond | Loomis Sayles | Common/collective trust | $28.9M |
| Newton NSL Dynamic Large CAP Fund | The Bank Of NEW York Mellon | Common/collective trust | $28.5M |
| Vanguard Target RET 2070 | Vanguard | Common/collective trust | $13.9M |
| Real Asset NL Series Fund Class C | State Street Global Advisors | Common/collective trust | $5.3M |
How plan assets are invested
| Category (Schedule H) | Amount | Share |
|---|---|---|
| Registered investment companies (mutual funds) | $6.1M | 0.1% |
| Common/collective trusts | $6.2B | 60.5% |
| Employer securities (company stock) | $333.0M | 3.3% |
| Common stock (direct) | $2.1B | 20.2% |
| Participant loans | $55.1M | 0.5% |
| Other investments | $1.5B | 14.6% |
Fees paid from plan assets
| Investment advisory & management fees | $13.7M |
| Other administrative fees | $57,770 |
| Total administrative expenses | $13.9M |
Reported administrative expenses were about 0.145% of average plan assets, or about $418 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 20251002123048NAL0000334179001. EIN 980186363.
FAQ
What are the best low-cost funds in the UBS AG 401(k)?
The free public data doesn't list enough of the UBS AG 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 UBS AG 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 UBS AG 401(k) plan?
The plan reported about $10.2B in net assets and 33,268 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.
Other finance & insurance employers
- Citigroup Inc.
- Morgan Stanley Domestic Holdings, LLC
- The Goldman Sachs Group, Inc.
- U.s. Bancorp
- United Services Automobile Association
- Liberty Mutual Group Inc.