United Services Automobile Association 401(k): best low-cost funds
Usaa Retirement Savings Plan · Plan #002 · SAN Antonio, TX
Suggested simple Boglehead mix
- US stocks (~60%): Equity Index Fund F
- International stocks (~20-30%): Msci Acwi Ex-us IMI Index Fund F
- Bonds (~10-20%): US Inflation PRO Bond Index Slsf II
Example built from fund names in the filing. Confirm these are on your current menu and check their 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 |
|---|---|---|---|
| Equity Index Fund F index | Blackrock Institutional Trust CO NA | Common/collective trust | $2.2B |
| S&P 500 Growth Index Fund-lending index | Northern Trust Investments, Inc. | Common/collective trust | $1.1B |
| Target Retirement 2040 Lending Cliv | State Street Global Advisors Trust Company | Common/collective trust | $930.3M |
| Target Retirement 2030 Lending Cliv | State Street Global Advisors Trust Company | Common/collective trust | $822.3M |
| Extended Equity Market Index-lend index | Northern Trust Investments, Inc. | Common/collective trust | $707.7M |
| Msci Acwi Ex-us IMI Index Fund F index | Blackrock Institutional Trust CO NA | Common/collective trust | $637.2M |
| Target Retirement 2050 Lending Cliv | State Street Global Advisors Trust Company | Common/collective trust | $623.1M |
| Target Retirement 2045 Lending Cliv | State Street Global Advisors Trust Company | Common/collective trust | $391.8M |
| Target Retirement 2035 Lending Cliv | State Street Global Advisors Trust Company | Common/collective trust | $387.9M |
| S&P 500 Value Index Fund-lending index | Northern Trust Investments, Inc. | Common/collective trust | $356.4M |
| Target Retirement 2055 Lending Cliv | State Street Global Advisors Trust Company | Common/collective trust | $311.5M |
| Target Retirement Inc. Lending Cliv | State Street Global Advisors Trust Company | Common/collective trust | $253.0M |
| Target Retirement 2025 Lending Cliv | State Street Global Advisors Trust Company | Common/collective trust | $219.5M |
| Prudential Core Conservative Bond | Prudential Trust Company | Common/collective trust | $199.1M |
| US Inflation PRO Bond Index Slsf II index | State Street Global Advisors Trust Company | Common/collective trust | $85.6M |
| Target Retirement 2060 Lending Cliv | State Street Global Advisors Trust Company | Common/collective trust | $79.5M |
| Target Retirement 2065 Lending Cliv | State Street Global Advisors Trust Company | Common/collective trust | $24.0M |
How plan assets are invested
| Category (Schedule H) | Amount | Share |
|---|---|---|
| Common/collective trusts | $9.4B | 85.9% |
| Participant loans | $162.9M | 1.5% |
| Other investments | $1.1B | 10.5% |
Fees paid from plan assets
| Total administrative expenses | $501,455 |
Reported administrative expenses were about 0.005% of average plan assets, or about $9 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 20251010120735NAL0008123201001. EIN 740959140.
FAQ
What are the best low-cost funds in the United Services Automobile Association 401(k)?
Based on public filings, index options include Equity Index Fund F (US stocks), Msci Acwi Ex-us IMI Index Fund F (international stocks) and US Inflation PRO Bond Index Slsf II (bonds). Confirm them against your current plan menu and fee disclosure.
Can I build a three-fund portfolio in the United Services Automobile Association 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 United Services Automobile Association 401(k) plan?
The plan reported about $10.9B in net assets and 53,289 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
- Liberty Mutual Group Inc.
- Travelers Companies, Inc.