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BNY Mellon Investment Funds IV, Inc.
2026-04-30
BNY Mellon Bond Market Index Fund
Class I
DBIRX
This semi-annual shareholder report contains important information about BNY Mellon Bond Market Index Fund (the “Fund”) for the period of November 1, 2025 to April 30, 2026.
semi-annual shareholder report
You can find additional information about the Fund at <span style="white-space:nowrap"><span style="text-decoration-line:underline;color:rgb(0, 0, 0);line-height:7.5pt;word-break:break-all;white-space:nowrap;font-weight:400;font-family:'times new roman';font-size:10pt">bny.com/investments/literaturecenter</span>.</span> You can also request this information by calling 1-800-373-9387 (inside the U.S. only) or by sending an e-mail request to info@bny.com.
bny.com/investments/literaturecenter
1-800-373-9387
info@bny.com
<div style="font-weight:400;margin-top:0px;font-family:'times new roman';color:rgb(0, 0, 0);font-size:10pt;line-height:11pt;margin-bottom:8pt;"> <b>This report describes changes to the Fund that occurred during the reporting period.</b> </div>
<div style="margin-top:0px;font-family:'times new roman';color:rgb(0, 0, 0);font-size:11pt;font-weight:bold;margin-bottom:2pt;"> <b>What were the Fund’s costs for the last </b> <b>six months</b> <b>?</b> </div><div style="font-weight:400;margin-top:0px;font-family:'times new roman';color:rgb(0, 0, 0);font-size:10pt;line-height:11pt;margin-bottom:3pt;">(based on a hypothetical $10,000 investment)</div><table style="width:100%;border-collapse:collapse;page-break-inside:avoid;break-inside:avoid">
<tr style="break-after:avoid;break-inside:avoid-page;page-break-inside:avoid;height:auto;background-color:rgb(0, 72, 94);border-bottom-color:initial;border-bottom-style:none;border-bottom-width:initial">
<td style="break-inside: avoid-page; page-break-inside: avoid; padding-top: 1pt; padding-right: 3pt; padding-bottom: 10pt; padding-left: 3pt; font-family: 'Times New Roman'; font-size: 9pt; line-height: 9pt; font-weight: bold; color: rgb(255, 255, 255); vertical-align: top; text-align: left; width: 25%;">Share Class</td>
<td style="break-inside: avoid-page; page-break-inside: avoid; padding-top: 1pt; padding-right: 3pt; padding-bottom: 10pt; padding-left: 3pt; font-family: 'Times New Roman'; font-size: 9pt; line-height: 9pt; font-weight: bold; color: rgb(255, 255, 255); vertical-align: top; text-align: center; width: 30%;">Costs of a $10,000 investment</td>
<td style="break-inside: avoid-page; page-break-inside: avoid; padding-top: 1pt; padding-right: 3pt; padding-bottom: 10pt; padding-left: 3pt; font-family: 'Times New Roman'; font-size: 9pt; line-height: 9pt; font-weight: bold; color: rgb(255, 255, 255); vertical-align: top; text-align: center; width: 40%;">Costs paid as a percentage of a $10,000 investment</td> </tr>
<tr style="break-inside:avoid-page;page-break-inside:avoid;border-bottom-color:initial;border-bottom-style:none;border-bottom-width:initial;background-color:rgb(227, 235, 237);height:19pt">
<td style="font-weight: 400; break-inside: avoid-page; page-break-inside: avoid; padding-top: 1pt; padding-right: 3pt; padding-bottom: 3pt; padding-left: 6pt; font-family: 'Times New Roman'; color: rgb(0, 0, 0); font-size: 9pt; line-height: 9pt; vertical-align: top; text-align: left; text-indent: -6pt;">Class <span style="white-space:nowrap">I<sup style="vertical-align:super;font-size:5pt">*</sup></span></td>
<td style="font-weight: 400; break-inside: avoid-page; page-break-inside: avoid; padding-top: 1pt; padding-right: 3pt; padding-bottom: 3pt; padding-left: 3pt; font-family: 'Times New Roman'; color: rgb(0, 0, 0); font-size: 9pt; line-height: 9pt; text-align: center; vertical-align: top;"><span style="float:none">$</span>7</td>
<td style="font-weight: 400; break-inside: avoid-page; page-break-inside: avoid; padding-top: 1pt; padding-right: 3pt; padding-bottom: 3pt; padding-left: 3pt; white-space: nowrap; font-family: 'Times New Roman'; color: rgb(0, 0, 0); font-size: 9pt; line-height: 9pt; text-align: center; vertical-align: top;">0.15<span>%</span><sup style="vertical-align:super;font-size:5pt">**</sup></td> </tr> </table><table style="width:100%;border-collapse:collapse;page-break-inside:avoid;break-inside:avoid;margin-bottom:22pt">
<tr style="break-inside:avoid-page;page-break-inside:avoid;height:auto;border-bottom-color:initial;border-bottom-style:none;border-bottom-width:initial">
<td style="font-weight: 400; break-inside: avoid-page; page-break-inside: avoid; margin-bottom: 0; font-style: normal; font-family: 'Times New Roman'; color: rgb(0, 0, 0); font-size: 5pt; line-height: normal; padding-top: 0; padding-right: 0; padding-bottom: 0; padding-left: 0; width: 10pt; text-align: left; vertical-align: super;">*</td>
<td style="font-weight: 400; break-inside: avoid-page; page-break-inside: avoid; margin-bottom: 0; font-family: 'Times New Roman'; font-size: 9pt; line-height: normal; font-style: normal; text-align: left; vertical-align: top; color: rgb(0, 0, 0); padding-top: 0; padding-right: 0; padding-bottom: 0; padding-left: 0;">
<div style="font-weight:400;margin-top:0px;font-family:'times new roman';font-size:9pt;line-height:normal;font-style:normal;text-align:left;vertical-align:top;color:rgb(0, 0, 0);padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;margin-bottom:0px;">During the period, fees were waived and/or expenses reimbursed pursuant to an agreement with the Fund’s investment adviser, BNY Mellon Investment Adviser, Inc.</div></td> </tr>
<tr style="break-inside:avoid-page;page-break-inside:avoid;height:auto;border-bottom-color:initial;border-bottom-style:none;border-bottom-width:initial">
<td style="font-weight: 400; break-inside: avoid-page; page-break-inside: avoid; margin-bottom: 0; font-style: normal; font-family: 'Times New Roman'; color: rgb(0, 0, 0); font-size: 5pt; line-height: normal; padding-top: 0; padding-right: 0; padding-bottom: 0; padding-left: 0; width: 10pt; text-align: left; vertical-align: super;">**</td>
<td style="font-weight: 400; break-inside: avoid-page; page-break-inside: avoid; margin-bottom: 0; font-family: 'Times New Roman'; font-size: 9pt; line-height: normal; font-style: normal; text-align: left; vertical-align: top; color: rgb(0, 0, 0); padding-top: 0; padding-right: 0; padding-bottom: 0; padding-left: 0;">
<div style="font-weight:400;margin-top:0px;font-family:'times new roman';font-size:9pt;line-height:normal;font-style:normal;text-align:left;vertical-align:top;color:rgb(0, 0, 0);padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;margin-bottom:0px;">Annualized.</div></td> </tr> </table>
7
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<div style="font-family:'times new roman';color:rgb(0, 0, 0);font-size:11pt;font-weight:bold;margin-top:0px;margin-bottom:0px;"> <b>KEY FUND STATISTICS (AS OF </b> <b>4/30/26</b> <b>)</b> </div><table style="width:100%;border-collapse:collapse;page-break-inside:avoid;break-inside:avoid">
<tr style="break-after:avoid;break-inside:avoid-page;page-break-inside:avoid;height:auto;background-color:rgb(0, 72, 94);border-bottom-color:initial;border-bottom-style:none;border-bottom-width:initial">
<td style="break-inside: avoid-page; page-break-inside: avoid; font-family: 'Times New Roman'; font-size: 9pt; line-height: 9pt; font-weight: bold; color: rgb(255, 255, 255); padding-top: 1pt; padding-bottom: 10pt; padding-right: 3pt; padding-left: 3pt; width: 170pt; vertical-align: top; text-align: center;"><br/> Fund Size (Millions)</td>
<td style="break-inside: avoid-page; page-break-inside: avoid; font-family: 'Times New Roman'; font-size: 9pt; line-height: 9pt; font-weight: bold; color: rgb(255, 255, 255); padding-top: 1pt; padding-bottom: 10pt; padding-right: 3pt; padding-left: 3pt; width: 170pt; vertical-align: top; text-align: center;"><br/> Number of Holdings</td>
<td style="break-inside: avoid-page; page-break-inside: avoid; font-family: 'Times New Roman'; font-size: 9pt; line-height: 9pt; font-weight: bold; color: rgb(255, 255, 255); padding-top: 1pt; padding-bottom: 10pt; padding-right: 3pt; padding-left: 3pt; width: 170pt; vertical-align: top; text-align: center;"><br/> Portfolio Turnover</td> </tr>
<tr style="break-inside:avoid-page;page-break-inside:avoid;border-bottom-color:initial;border-bottom-style:none;border-bottom-width:initial;background-color:rgb(227, 235, 237);height:19pt">
<td style="break-inside: avoid-page; page-break-inside: avoid; padding-right: 3pt; padding-left: 3pt; padding-top: 1pt; width: 170pt; font-family: 'Times New Roman'; font-weight: normal; font-size: 9pt; line-height: 9pt; vertical-align: top; text-align: center; color: rgb(0, 0, 0); padding-bottom: 1pt; border-left-color: initial; border-left-style: none; border-left-width: initial;"><span style="float:none">$</span>401</td>
<td style="break-inside: avoid-page; page-break-inside: avoid; padding-right: 3pt; padding-left: 3pt; padding-top: 1pt; width: 170pt; font-family: 'Times New Roman'; font-weight: normal; font-size: 9pt; line-height: 9pt; vertical-align: top; text-align: center; color: rgb(0, 0, 0); padding-bottom: 1pt; border-left-color: initial; border-left-style: none; border-left-width: initial;">2,443</td>
<td style="break-inside: avoid-page; page-break-inside: avoid; padding-right: 3pt; padding-left: 3pt; padding-top: 1pt; white-space: nowrap; width: 170pt; font-family: 'Times New Roman'; font-weight: normal; font-size: 9pt; line-height: 9pt; vertical-align: top; text-align: center; color: rgb(0, 0, 0); padding-bottom: 1pt; border-left-color: initial; border-left-style: none; border-left-width: initial;">83.66<span>%</span></td> </tr> </table>
401000000
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<div style="margin-top:0px;text-transform:uppercase;margin-bottom:3pt;font-family:'times new roman';color:rgb(0, 0, 0);font-size:9pt;font-weight:bold;letter-spacing:0px;"> <b>Portfolio Holdings (as of </b> <b>4/30/26</b> <b>)</b> </div><div style="margin-top:0px;font-family:'times new roman';color:rgb(0, 0, 0);font-size:9pt;font-weight:bold;letter-spacing:0px;text-transform:none;margin-bottom:0px;page-break-after:avoid;"> <b>Sector Allocation (Based on Net Assets)</b> </div><div style="font-family:'times new roman';font-size:9pt;font-weight:400;color:rgb(0, 0, 0);width:540pt;margin-bottom:12pt;margin-left:18pt;"> <img alt="Graphical Representation - Top N Holdings Chart" src="chartimages_11848789.jpg" style="margin-left: 50pt; width: 437pt;"/> </div><div style="margin-top:0px;font-family:'times new roman';color:rgb(0, 0, 0);font-size:9pt;font-weight:bold;letter-spacing:0px;text-transform:none;margin-bottom:0px;page-break-after:avoid;"> <b>Allocation of Holdings (Based on Net Assets)</b> </div><div style="font-family:'times new roman';font-size:9pt;font-weight:400;color:rgb(0, 0, 0);width:540pt;margin-bottom:6pt;margin-left:18pt;"> <img alt="Graphical Representation - Allocation 1 Chart" src="chartimages_11848765.jpg" style="margin-left: 29pt; width: 437pt;"/> </div>
<div style="font-family:'times new roman';font-size:9pt;font-weight:400;color:rgb(0, 0, 0);break-inside:avoid;">
<div style="font-family:'times new roman';color:rgb(0, 0, 0);font-size:11pt;font-weight:bold;margin-bottom:4pt;margin-top:0px;"> <b>Changes in or Disagreements with Accountants</b> </div>
<ul style="padding-top: 0; padding-right: 0; padding-bottom: 0; padding-left: 0; margin-top: 0; margin-right: 0; margin-bottom: 0; margin-left: 0; counter-reset: numberedlisting 0 letteringlisting 0 letteredhead 0 lcrmnhead 0 ucletteredhead 0 ucrmnhead 0; break-inside: avoid;">
<li style="font-weight: 400; padding-left: 3pt; margin-left: 7pt; list-style-type: disc; font-family: 'Times New Roman'; color: rgb(0, 0, 0); font-size: 10pt; line-height: 11pt; margin-bottom: 3pt;">
<div style="font-weight:400;margin-top:0px;font-family:'times new roman';color:rgb(0, 0, 0);font-size:10pt;line-height:11pt;margin-bottom:8pt;">Starting January 1, 2026, Ernst & Young LLP (“EY”) became the independent registered public accounting firm of the Fund and KPMG LLP was discharged as the Fund’s accounting firm. EY serves as the independent registered public accounting firm for all funds in the BNY Mellon Family of Funds. There were no disagreements with the former accounting firm during the Fund’s fiscal years ended October 31, 2025 and October 31, 2024 and the subsequent interim period through January 1, 2026.</div> </li> </ul> </div>
Starting January 1, 2026, Ernst & Young LLP (“EY”) became the independent registered public accounting firm of the Fund and KPMG LLP was discharged as the Fund’s accounting firm. EY serves as the independent registered public accounting firm for all funds in the BNY Mellon Family of Funds.
2026-01-01
<div style="font-weight:400;margin-top:0px;font-family:'times new roman';color:rgb(0, 0, 0);font-size:10pt;line-height:11pt;margin-bottom:10pt;"> <b>This is a summary of certain changes to the Fund since </b> <b>November 1, 2025</b> <b>. For more complete information, you may review the Fund’s </b> <b>current prospectus dated </b> <b>February 27, 2026</b> <b> at </b> <span style="white-space:nowrap"> <span style="text-decoration-line:underline;color:rgb(0, 0, 0);line-height:8.5pt;word-break:break-all;white-space:nowrap;font-weight:bold;font-family:'times new roman';font-size:10pt">bny.com/investments/literaturecenter</span> </span> <b> or upon request at 1-800-373-9387.</b> </div>
bny.com/investments/literaturecenter
1-800-373-9387
BNY Mellon Bond Market Index Fund
Investor Shares
DBMIX
This semi-annual shareholder report contains important information about BNY Mellon Bond Market Index Fund (the “Fund”) for the period of November 1, 2025 to April 30, 2026.
semi-annual shareholder report
You can find additional information about the Fund at <span style="white-space:nowrap"><span style="text-decoration-line:underline;color:rgb(0, 0, 0);line-height:7.5pt;word-break:break-all;white-space:nowrap;font-weight:400;font-family:'times new roman';font-size:10pt">bny.com/investments/literaturecenter</span>.</span> You can also request this information by calling 1-800-373-9387 (inside the U.S. only) or by sending an e-mail request to info@bny.com.
bny.com/investments/literaturecenter
1-800-373-9387
info@bny.com
<div style="font-weight:400;margin-top:0px;font-family:'times new roman';color:rgb(0, 0, 0);font-size:10pt;line-height:11pt;margin-bottom:8pt;"> <b>This report describes changes to the Fund that occurred during the reporting period.</b> </div>
<div style="margin-top:0px;font-family:'times new roman';color:rgb(0, 0, 0);font-size:11pt;font-weight:bold;margin-bottom:2pt;"> <b>What were the Fund’s costs for the last </b> <b>six months</b> <b>?</b> </div><div style="font-weight:400;margin-top:0px;font-family:'times new roman';color:rgb(0, 0, 0);font-size:10pt;line-height:11pt;margin-bottom:3pt;">(based on a hypothetical $10,000 investment)</div><table style="width:100%;border-collapse:collapse;page-break-inside:avoid;break-inside:avoid">
<tr style="break-after:avoid;break-inside:avoid-page;page-break-inside:avoid;height:auto;background-color:rgb(0, 72, 94);border-bottom-color:initial;border-bottom-style:none;border-bottom-width:initial">
<td style="break-inside: avoid-page; page-break-inside: avoid; padding-top: 1pt; padding-right: 3pt; padding-bottom: 10pt; padding-left: 3pt; font-family: 'Times New Roman'; font-size: 9pt; line-height: 9pt; font-weight: bold; color: rgb(255, 255, 255); vertical-align: top; text-align: left; width: 25%;">Share Class</td>
<td style="break-inside: avoid-page; page-break-inside: avoid; padding-top: 1pt; padding-right: 3pt; padding-bottom: 10pt; padding-left: 3pt; font-family: 'Times New Roman'; font-size: 9pt; line-height: 9pt; font-weight: bold; color: rgb(255, 255, 255); vertical-align: top; text-align: center; width: 30%;">Costs of a $10,000 investment</td>
<td style="break-inside: avoid-page; page-break-inside: avoid; padding-top: 1pt; padding-right: 3pt; padding-bottom: 10pt; padding-left: 3pt; font-family: 'Times New Roman'; font-size: 9pt; line-height: 9pt; font-weight: bold; color: rgb(255, 255, 255); vertical-align: top; text-align: center; width: 40%;">Costs paid as a percentage of a $10,000 investment</td> </tr>
<tr style="break-inside:avoid-page;page-break-inside:avoid;border-bottom-color:initial;border-bottom-style:none;border-bottom-width:initial;background-color:rgb(227, 235, 237);height:19pt">
<td style="font-weight: 400; break-inside: avoid-page; page-break-inside: avoid; padding-top: 1pt; padding-right: 3pt; padding-bottom: 3pt; padding-left: 6pt; font-family: 'Times New Roman'; color: rgb(0, 0, 0); font-size: 9pt; line-height: 9pt; vertical-align: top; text-align: left; text-indent: -6pt;">Investor <span style="white-space:nowrap">Shares<sup style="vertical-align:super;font-size:5pt">*</sup></span></td>
<td style="font-weight: 400; break-inside: avoid-page; page-break-inside: avoid; padding-top: 1pt; padding-right: 3pt; padding-bottom: 3pt; padding-left: 3pt; font-family: 'Times New Roman'; color: rgb(0, 0, 0); font-size: 9pt; line-height: 9pt; text-align: center; vertical-align: top;"><span style="float:none">$</span>20</td>
<td style="font-weight: 400; break-inside: avoid-page; page-break-inside: avoid; padding-top: 1pt; padding-right: 3pt; padding-bottom: 3pt; padding-left: 3pt; white-space: nowrap; font-family: 'Times New Roman'; color: rgb(0, 0, 0); font-size: 9pt; line-height: 9pt; text-align: center; vertical-align: top;">0.40<span>%</span><sup style="vertical-align:super;font-size:5pt">**</sup></td> </tr> </table><table style="width:100%;border-collapse:collapse;page-break-inside:avoid;break-inside:avoid;margin-bottom:22pt">
<tr style="break-inside:avoid-page;page-break-inside:avoid;height:auto;border-bottom-color:initial;border-bottom-style:none;border-bottom-width:initial">
<td style="font-weight: 400; break-inside: avoid-page; page-break-inside: avoid; margin-bottom: 0; font-style: normal; font-family: 'Times New Roman'; color: rgb(0, 0, 0); font-size: 5pt; line-height: normal; padding-top: 0; padding-right: 0; padding-bottom: 0; padding-left: 0; width: 10pt; text-align: left; vertical-align: super;">*</td>
<td style="font-weight: 400; break-inside: avoid-page; page-break-inside: avoid; margin-bottom: 0; font-family: 'Times New Roman'; font-size: 9pt; line-height: normal; font-style: normal; text-align: left; vertical-align: top; color: rgb(0, 0, 0); padding-top: 0; padding-right: 0; padding-bottom: 0; padding-left: 0;">
<div style="font-weight:400;margin-top:0px;font-family:'times new roman';font-size:9pt;line-height:normal;font-style:normal;text-align:left;vertical-align:top;color:rgb(0, 0, 0);padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;margin-bottom:0px;">During the period, fees were waived and/or expenses reimbursed pursuant to an agreement with the Fund’s investment adviser, BNY Mellon Investment Adviser, Inc.</div></td> </tr>
<tr style="break-inside:avoid-page;page-break-inside:avoid;height:auto;border-bottom-color:initial;border-bottom-style:none;border-bottom-width:initial">
<td style="font-weight: 400; break-inside: avoid-page; page-break-inside: avoid; margin-bottom: 0; font-style: normal; font-family: 'Times New Roman'; color: rgb(0, 0, 0); font-size: 5pt; line-height: normal; padding-top: 0; padding-right: 0; padding-bottom: 0; padding-left: 0; width: 10pt; text-align: left; vertical-align: super;">**</td>
<td style="font-weight: 400; break-inside: avoid-page; page-break-inside: avoid; margin-bottom: 0; font-family: 'Times New Roman'; font-size: 9pt; line-height: normal; font-style: normal; text-align: left; vertical-align: top; color: rgb(0, 0, 0); padding-top: 0; padding-right: 0; padding-bottom: 0; padding-left: 0;">
<div style="font-weight:400;margin-top:0px;font-family:'times new roman';font-size:9pt;line-height:normal;font-style:normal;text-align:left;vertical-align:top;color:rgb(0, 0, 0);padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;margin-bottom:0px;">Annualized.</div></td> </tr> </table>
20
0.0040
<div style="font-family:'times new roman';color:rgb(0, 0, 0);font-size:11pt;font-weight:bold;margin-top:0px;margin-bottom:0px;"> <b>KEY FUND STATISTICS (AS OF </b> <b>4/30/26</b> <b>)</b> </div><table style="width:100%;border-collapse:collapse;page-break-inside:avoid;break-inside:avoid">
<tr style="break-after:avoid;break-inside:avoid-page;page-break-inside:avoid;height:auto;background-color:rgb(0, 72, 94);border-bottom-color:initial;border-bottom-style:none;border-bottom-width:initial">
<td style="break-inside: avoid-page; page-break-inside: avoid; font-family: 'Times New Roman'; font-size: 9pt; line-height: 9pt; font-weight: bold; color: rgb(255, 255, 255); padding-top: 1pt; padding-bottom: 10pt; padding-right: 3pt; padding-left: 3pt; width: 170pt; vertical-align: top; text-align: center;"><br/> Fund Size (Millions)</td>
<td style="break-inside: avoid-page; page-break-inside: avoid; font-family: 'Times New Roman'; font-size: 9pt; line-height: 9pt; font-weight: bold; color: rgb(255, 255, 255); padding-top: 1pt; padding-bottom: 10pt; padding-right: 3pt; padding-left: 3pt; width: 170pt; vertical-align: top; text-align: center;"><br/> Number of Holdings</td>
<td style="break-inside: avoid-page; page-break-inside: avoid; font-family: 'Times New Roman'; font-size: 9pt; line-height: 9pt; font-weight: bold; color: rgb(255, 255, 255); padding-top: 1pt; padding-bottom: 10pt; padding-right: 3pt; padding-left: 3pt; width: 170pt; vertical-align: top; text-align: center;"><br/> Portfolio Turnover</td> </tr>
<tr style="break-inside:avoid-page;page-break-inside:avoid;border-bottom-color:initial;border-bottom-style:none;border-bottom-width:initial;background-color:rgb(227, 235, 237);height:19pt">
<td style="break-inside: avoid-page; page-break-inside: avoid; padding-right: 3pt; padding-left: 3pt; padding-top: 1pt; width: 170pt; font-family: 'Times New Roman'; font-weight: normal; font-size: 9pt; line-height: 9pt; vertical-align: top; text-align: center; color: rgb(0, 0, 0); padding-bottom: 1pt; border-left-color: initial; border-left-style: none; border-left-width: initial;"><span style="float:none">$</span>401</td>
<td style="break-inside: avoid-page; page-break-inside: avoid; padding-right: 3pt; padding-left: 3pt; padding-top: 1pt; width: 170pt; font-family: 'Times New Roman'; font-weight: normal; font-size: 9pt; line-height: 9pt; vertical-align: top; text-align: center; color: rgb(0, 0, 0); padding-bottom: 1pt; border-left-color: initial; border-left-style: none; border-left-width: initial;">2,443</td>
<td style="break-inside: avoid-page; page-break-inside: avoid; padding-right: 3pt; padding-left: 3pt; padding-top: 1pt; white-space: nowrap; width: 170pt; font-family: 'Times New Roman'; font-weight: normal; font-size: 9pt; line-height: 9pt; vertical-align: top; text-align: center; color: rgb(0, 0, 0); padding-bottom: 1pt; border-left-color: initial; border-left-style: none; border-left-width: initial;">83.66<span>%</span></td> </tr> </table>
401000000
2443
0.8366
<div style="margin-top:0px;text-transform:uppercase;margin-bottom:3pt;font-family:'times new roman';color:rgb(0, 0, 0);font-size:9pt;font-weight:bold;letter-spacing:0px;"> <b>Portfolio Holdings (as of </b> <b>4/30/26</b> <b>)</b> </div><div style="margin-top:0px;font-family:'times new roman';color:rgb(0, 0, 0);font-size:9pt;font-weight:bold;letter-spacing:0px;text-transform:none;margin-bottom:0px;page-break-after:avoid;"> <b>Sector Allocation (Based on Net Assets)</b> </div><div style="font-family:'times new roman';font-size:9pt;font-weight:400;color:rgb(0, 0, 0);width:540pt;margin-bottom:12pt;margin-left:18pt;"> <img alt="Graphical Representation - Top N Holdings Chart" src="chartimages_11848840.jpg" style="margin-left: 50pt; width: 437pt;"/> </div><div style="margin-top:0px;font-family:'times new roman';color:rgb(0, 0, 0);font-size:9pt;font-weight:bold;letter-spacing:0px;text-transform:none;margin-bottom:0px;page-break-after:avoid;"> <b>Allocation of Holdings (Based on Net Assets)</b> </div><div style="font-family:'times new roman';font-size:9pt;font-weight:400;color:rgb(0, 0, 0);width:540pt;margin-bottom:6pt;margin-left:18pt;"> <img alt="Graphical Representation - Allocation 1 Chart" src="chartimages_11848816.jpg" style="margin-left: 29pt; width: 437pt;"/> </div>
<div style="font-family:'times new roman';font-size:9pt;font-weight:400;color:rgb(0, 0, 0);break-inside:avoid;">
<div style="font-family:'times new roman';color:rgb(0, 0, 0);font-size:11pt;font-weight:bold;margin-bottom:4pt;margin-top:0px;"> <b>Changes in or Disagreements with Accountants</b> </div>
<ul style="padding-top: 0; padding-right: 0; padding-bottom: 0; padding-left: 0; margin-top: 0; margin-right: 0; margin-bottom: 0; margin-left: 0; counter-reset: numberedlisting 0 letteringlisting 0 letteredhead 0 lcrmnhead 0 ucletteredhead 0 ucrmnhead 0; break-inside: avoid;">
<li style="font-weight: 400; padding-left: 3pt; margin-left: 7pt; list-style-type: disc; font-family: 'Times New Roman'; color: rgb(0, 0, 0); font-size: 10pt; line-height: 11pt; margin-bottom: 3pt;">
<div style="font-weight:400;margin-top:0px;font-family:'times new roman';color:rgb(0, 0, 0);font-size:10pt;line-height:11pt;margin-bottom:8pt;">Starting January 1, 2026, Ernst & Young LLP (“EY”) became the independent registered public accounting firm of the Fund and KPMG LLP was discharged as the Fund’s accounting firm. EY serves as the independent registered public accounting firm for all funds in the BNY Mellon Family of Funds. There were no disagreements with the former accounting firm during the Fund’s fiscal years ended October 31, 2025 and October 31, 2024 and the subsequent interim period through January 1, 2026.</div> </li> </ul> </div>
Starting January 1, 2026, Ernst & Young LLP (“EY”) became the independent registered public accounting firm of the Fund and KPMG LLP was discharged as the Fund’s accounting firm. EY serves as the independent registered public accounting firm for all funds in the BNY Mellon Family of Funds.
2026-01-01
<div style="font-weight:400;margin-top:0px;font-family:'times new roman';color:rgb(0, 0, 0);font-size:10pt;line-height:11pt;margin-bottom:10pt;"> <b>This is a summary of certain changes to the Fund since </b> <b>November 1, 2025</b> <b>. For more complete information, you may review the Fund’s </b> <b>current prospectus dated </b> <b>February 27, 2026</b> <b> at </b> <span style="white-space:nowrap"> <span style="text-decoration-line:underline;color:rgb(0, 0, 0);line-height:8.5pt;word-break:break-all;white-space:nowrap;font-weight:bold;font-family:'times new roman';font-size:10pt">bny.com/investments/literaturecenter</span> </span> <b> or upon request at 1-800-373-9387.</b> </div>
bny.com/investments/literaturecenter
1-800-373-9387
BNY Mellon Institutional S&P 500 Stock Index Fund
Class I
DSPIX
This semi-annual shareholder report contains important information about BNY Mellon Institutional S&P 500 Stock Index Fund (the “Fund”) for the period of November 1, 2025 to April 30, 2026.
semi-annual shareholder report
You can find additional information about the Fund at <span style="white-space: nowrap;"><span style="text-decoration-line: underline; color: rgb(0, 0, 0); line-height: 7.5pt; word-break: break-all; white-space: nowrap; font-weight: 400; font-family: 'times new roman'; font-size: 10pt;">bny.com/investments/literaturecenter</span>.</span> You can also request this information by calling 1-800-373-9387 (inside the U.S. only) or by sending an e-mail request to info@bny.com.
bny.com/investments/literaturecenter
1-800-373-9387
info@bny.com
<div style="font-weight: 400; margin-top: 0px; font-family: 'times new roman'; color: rgb(0, 0, 0); font-size: 10pt; line-height: 11pt; margin-bottom: 8pt;"><b>This report describes changes to the Fund that occurred during the reporting period.</b></div>
<div style="margin-top: 0px; line-height: inherit; font-family: 'times new roman'; color: rgb(0, 0, 0); font-size: 11pt; font-weight: bold; margin-bottom: 2pt;"><b>What were the Fund’s costs for the last </b> <b>six months</b> <b>?</b></div>
<div style="font-weight: 400; margin-top: 0px; font-family: 'times new roman'; color: rgb(0, 0, 0); font-size: 10pt; line-height: 11pt; margin-bottom: 3pt;">(based on a hypothetical $10,000 investment)</div>
<table style="width: 100%; border-collapse: collapse; page-break-inside: avoid; break-inside: avoid;">
<tr style="break-after: avoid; break-inside: avoid-page; page-break-inside: avoid; height: auto; background-color: rgb(0, 72, 94); border-bottom-color: initial; border-bottom-style: none; border-bottom-width: initial;">
<td style="break-inside: avoid-page; page-break-inside: avoid; font-family: 'Times New Roman'; font-size: 9pt; line-height: 9pt; font-weight: bold; color: rgb(255, 255, 255); vertical-align: top; text-align: left; width: 25%; padding: 1pt 3pt 10pt 3pt;">Share Class</td>
<td style="break-inside: avoid-page; page-break-inside: avoid; font-family: 'Times New Roman'; font-size: 9pt; line-height: 9pt; font-weight: bold; color: rgb(255, 255, 255); vertical-align: top; text-align: center; width: 30%; padding: 1pt 3pt 10pt 3pt;">Costs of a $10,000 investment</td>
<td style="break-inside: avoid-page; page-break-inside: avoid; font-family: 'Times New Roman'; font-size: 9pt; line-height: 9pt; font-weight: bold; color: rgb(255, 255, 255); vertical-align: top; text-align: center; width: 40%; padding: 1pt 3pt 10pt 3pt;">Costs paid as a percentage of a $10,000 investment</td>
</tr>
<tr style="break-inside: avoid-page; page-break-inside: avoid; border-bottom-color: initial; border-bottom-style: none; border-bottom-width: initial; background-color: rgb(227, 235, 237); height: 19pt;">
<td style="font-weight: 400; break-inside: avoid-page; page-break-inside: avoid; font-family: 'Times New Roman'; color: rgb(0, 0, 0); font-size: 9pt; line-height: 9pt; vertical-align: top; text-align: left; text-indent: -6pt; padding: 1pt 3pt 3pt 6pt;">Class <span style="white-space: nowrap;">I<sup style="vertical-align: super; font-size: 5pt;">*</sup></span></td>
<td style="font-weight: 400; break-inside: avoid-page; page-break-inside: avoid; font-family: 'Times New Roman'; color: rgb(0, 0, 0); font-size: 9pt; line-height: 9pt; text-align: center; vertical-align: top; padding: 1pt 3pt 3pt 3pt;"><span style="float: none;">$</span>10</td>
<td style="font-weight: 400; break-inside: avoid-page; page-break-inside: avoid; white-space: nowrap; font-family: 'Times New Roman'; color: rgb(0, 0, 0); font-size: 9pt; line-height: 9pt; text-align: center; vertical-align: top; padding: 1pt 3pt 3pt 3pt;">0.20<span>%</span><sup style="vertical-align: super; font-size: 5pt;">**</sup></td>
</tr>
</table>
<table style="width: 100%; border-collapse: collapse; page-break-inside: avoid; break-inside: avoid; margin-bottom: 10pt;">
<tr style="break-inside: avoid-page; page-break-inside: avoid; height: auto; border-bottom-color: initial; border-bottom-style: none; border-bottom-width: initial;">
<td style="font-weight: 400; break-inside: avoid-page; page-break-inside: avoid; margin-bottom: 0; font-style: normal; font-family: 'Times New Roman'; color: rgb(0, 0, 0); font-size: 5pt; line-height: normal; width: 10pt; text-align: left; vertical-align: super; padding: 0;">*</td>
<td style="font-weight: 400; break-inside: avoid-page; page-break-inside: avoid; margin-bottom: 0; font-family: 'Times New Roman'; font-size: 9pt; line-height: normal; font-style: normal; text-align: left; vertical-align: top; color: rgb(0, 0, 0); padding: 0;">
<div style="font-weight: 400; margin-top: 0px; font-family: 'times new roman'; font-size: 9pt; line-height: normal; font-style: normal; text-align: left; vertical-align: top; color: rgb(0, 0, 0); margin-bottom: 0px; padding: 0px;">During the period, fees were waived and/or expenses reimbursed pursuant to an agreement with the Fund’s investment adviser, BNY Mellon Investment Adviser, Inc.</div>
</td>
</tr>
<tr style="break-inside: avoid-page; page-break-inside: avoid; height: auto; border-bottom-color: initial; border-bottom-style: none; border-bottom-width: initial;">
<td style="font-weight: 400; break-inside: avoid-page; page-break-inside: avoid; margin-bottom: 0; font-style: normal; font-family: 'Times New Roman'; color: rgb(0, 0, 0); font-size: 5pt; line-height: normal; width: 10pt; text-align: left; vertical-align: super; padding: 0;">**</td>
<td style="font-weight: 400; break-inside: avoid-page; page-break-inside: avoid; margin-bottom: 0; font-family: 'Times New Roman'; font-size: 9pt; line-height: normal; font-style: normal; text-align: left; vertical-align: top; color: rgb(0, 0, 0); padding: 0;">
<div style="font-weight: 400; margin-top: 0px; font-family: 'times new roman'; font-size: 9pt; line-height: normal; font-style: normal; text-align: left; vertical-align: top; color: rgb(0, 0, 0); margin-bottom: 0px; padding: 0px;">Annualized.</div>
</td>
</tr>
</table>
10
0.0020
<div style="line-height: inherit; font-family: 'times new roman'; color: rgb(0, 0, 0); font-size: 11pt; font-weight: bold; margin-top: 0px; margin-bottom: 0px;"><b>KEY FUND STATISTICS (AS OF </b> <b>4/30/26</b> <b>)</b></div>
<table style="width: 100%; border-collapse: collapse; page-break-inside: avoid; break-inside: avoid;">
<tr style="break-after: avoid; break-inside: avoid-page; page-break-inside: avoid; height: auto; background-color: rgb(0, 72, 94); border-bottom-color: initial; border-bottom-style: none; border-bottom-width: initial;">
<td style="break-inside: avoid-page; page-break-inside: avoid; font-family: 'Times New Roman'; font-size: 9pt; line-height: 9pt; font-weight: bold; color: rgb(255, 255, 255); width: 170pt; vertical-align: top; text-align: center; padding: 1pt 3pt 10pt 3pt;"><br/>Fund Size (Millions)</td>
<td style="break-inside: avoid-page; page-break-inside: avoid; font-family: 'Times New Roman'; font-size: 9pt; line-height: 9pt; font-weight: bold; color: rgb(255, 255, 255); width: 170pt; vertical-align: top; text-align: center; padding: 1pt 3pt 10pt 3pt;"><br/>Number of Holdings</td>
<td style="break-inside: avoid-page; page-break-inside: avoid; font-family: 'Times New Roman'; font-size: 9pt; line-height: 9pt; font-weight: bold; color: rgb(255, 255, 255); width: 170pt; vertical-align: top; text-align: center; padding: 1pt 3pt 10pt 3pt;"><br/>Portfolio Turnover</td>
</tr>
<tr style="break-inside: avoid-page; page-break-inside: avoid; border-bottom-color: initial; border-bottom-style: none; border-bottom-width: initial; background-color: rgb(227, 235, 237); height: 19pt;">
<td style="break-inside: avoid-page; page-break-inside: avoid; width: 170pt; font-family: 'Times New Roman'; font-weight: normal; font-size: 9pt; line-height: 9pt; vertical-align: top; text-align: center; color: rgb(0, 0, 0); border-left-color: initial; border-left-style: none; border-left-width: initial; padding: 1pt 3pt 1pt 3pt;"><span style="float: none;">$</span>1,367</td>
<td style="break-inside: avoid-page; page-break-inside: avoid; width: 170pt; font-family: 'Times New Roman'; font-weight: normal; font-size: 9pt; line-height: 9pt; vertical-align: top; text-align: center; color: rgb(0, 0, 0); border-left-color: initial; border-left-style: none; border-left-width: initial; padding: 1pt 3pt 1pt 3pt;">505</td>
<td style="break-inside: avoid-page; page-break-inside: avoid; white-space: nowrap; width: 170pt; font-family: 'Times New Roman'; font-weight: normal; font-size: 9pt; line-height: 9pt; vertical-align: top; text-align: center; color: rgb(0, 0, 0); border-left-color: initial; border-left-style: none; border-left-width: initial; padding: 1pt 3pt 1pt 3pt;">1.19<span>%</span></td>
</tr>
</table>
1367000000
505
0.0119
<div style="margin-top: 0px; line-height: inherit; text-transform: uppercase; margin-bottom: 3pt; font-family: 'times new roman'; color: rgb(0, 0, 0); font-size: 9pt; font-weight: bold; letter-spacing: 0px;"><b>Portfolio Holdings (as of </b> <b>4/30/26</b> <b>)</b></div><div style="margin-top: 0px; line-height: inherit; font-family: 'times new roman'; color: rgb(0, 0, 0); font-size: 9pt; font-weight: bold; letter-spacing: 0px; text-transform: none; margin-bottom: 0px; page-break-after: avoid;"><b>Top Ten Holdings (Based on Net Assets)</b> <b> <sup style="vertical-align: super; font-size: smaller;">*</sup> </b></div><div style="font-family: 'times new roman'; font-size: 9pt; font-weight: 400; color: rgb(0, 0, 0); width: 540pt; margin-left: 18pt; margin-bottom: 8pt;"><img alt="Graphical Representation - Top N Holdings Chart" src="chartimages_11848738.jpg" style="margin-left: 50pt; width: 482pt;"/> </div><div style="font-weight: 400; font-family: 'times new roman'; font-size: 9pt; line-height: 10pt; color: rgb(0, 0, 0); margin-top: -4pt; margin-bottom: 0px;">* Excludes money market funds or other short-term securities held for the investment of cash and cash collateral for securities loaned, if any.</div><div style="margin-top: 0px; line-height: inherit; font-family: 'times new roman'; color: rgb(0, 0, 0); font-size: 9pt; font-weight: bold; letter-spacing: 0px; text-transform: none; margin-bottom: 0px; page-break-after: avoid;"><b>Sector Allocation (Based on Net Assets)</b></div><div style="font-family: 'times new roman'; font-size: 9pt; font-weight: 400; color: rgb(0, 0, 0); width: 540pt; margin-bottom: 6pt; margin-left: 18pt;"><img alt="Graphical Representation - Allocation 1 Chart" src="chartimages_11848714.jpg" style="margin-left: 29pt; width: 437pt;"/> </div>
<div style="margin-top: 0px; line-height: inherit; font-family: 'times new roman'; color: rgb(0, 0, 0); font-size: 9pt; font-weight: bold; letter-spacing: 0px; text-transform: none; margin-bottom: 0px; page-break-after: avoid;"><b>Top Ten Holdings (Based on Net Assets)</b> <b> <sup style="vertical-align: super; font-size: smaller;">*</sup> </b></div><div style="font-family: 'times new roman'; font-size: 9pt; font-weight: 400; color: rgb(0, 0, 0); width: 540pt; margin-left: 18pt; margin-bottom: 8pt;"><img alt="Graphical Representation - Top N Holdings Chart" src="chartimages_11848738.jpg" style="margin-left: 50pt; width: 482pt;"/> </div><div style="font-weight: 400; font-family: 'times new roman'; font-size: 9pt; line-height: 10pt; color: rgb(0, 0, 0); margin-top: -4pt; margin-bottom: 0px;">* Excludes money market funds or other short-term securities held for the investment of cash and cash collateral for securities loaned, if any.</div>
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<div style="line-height: inherit; font-family: 'times new roman'; color: rgb(0, 0, 0); font-size: 11pt; font-weight: bold; margin-bottom: 4pt; margin-top: 0px;"><b>How has the Fund changed?</b></div>
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<div style="font-weight: 400; margin-top: 0px; font-family: 'times new roman'; color: rgb(0, 0, 0); font-size: 10pt; line-height: 11pt; margin-bottom: 5pt;">Effective November 14, 2025, the Fund may operate as a non-diversified fund, as defined under the Investment Company Act of 1940, as amended, to the approximate extent the S&P 500<sup style="vertical-align: top; font-size: initial;">®</sup> Index is non-diversified, without shareholder approval. The Fund may therefore operate as non-diversified solely as a result of a change in relative market capitalization or index weighting of one or more constituents of the index.</div>
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</div><div style="font-weight: 400; margin-top: 0px; font-family: 'times new roman'; color: rgb(0, 0, 0); font-size: 10pt; line-height: 11pt; margin-bottom: 6pt;"><b>This is a summary of certain changes to the Fund since </b> <b>November 1, 2025</b> <b>. For more complete information, you may review the Fund’s </b> <b>current prospectus dated </b> <b>February 27, 2026</b> <b> at </b> <span style="white-space: nowrap;"> <span style="text-decoration-line: underline; color: rgb(0, 0, 0); line-height: 8.5pt; word-break: break-all; white-space: nowrap; font-weight: bold; font-family: 'times new roman'; font-size: 10pt;">bny.com/investments/literaturecenter</span> </span> <b> or upon request at 1-800-373-9387.</b></div>
Effective November 14, 2025, the Fund may operate as a non-diversified fund, as defined under the Investment Company Act of 1940, as amended, to the approximate extent the S&P 500<sup style="vertical-align: top; font-size: initial;">®</sup> Index is non-diversified, without shareholder approval. The Fund may therefore operate as non-diversified solely as a result of a change in relative market capitalization or index weighting of one or more constituents of the index.
2025-11-14
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<div style="line-height: inherit; font-family: 'times new roman'; color: rgb(0, 0, 0); font-size: 11pt; font-weight: bold; margin-bottom: 4pt; margin-top: 0px;"><b>Changes in or Disagreements with Accountants</b></div>
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<div style="font-weight: 400; margin-top: 0px; font-family: 'times new roman'; color: rgb(0, 0, 0); font-size: 10pt; line-height: 11pt; margin-bottom: 5pt;">Starting January 1, 2026, Ernst & Young LLP (“EY”) became the independent registered public accounting firm of the Fund and KPMG LLP was discharged as the Fund’s accounting firm. EY serves as the independent registered public accounting firm for all funds in the BNY Mellon Family of Funds. There were no disagreements with the former accounting firm during the Fund’s fiscal years ended October 31, 2025 and October 31, 2024 and the subsequent interim period through January 1, 2026.</div>
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Starting January 1, 2026, Ernst & Young LLP (“EY”) became the independent registered public accounting firm of the Fund and KPMG LLP was discharged as the Fund’s accounting firm. EY serves as the independent registered public accounting firm for all funds in the BNY Mellon Family of Funds.
2026-01-01
<div style="font-weight: 400; margin-top: 0px; font-family: 'times new roman'; color: rgb(0, 0, 0); font-size: 10pt; line-height: 11pt; margin-bottom: 6pt;"><b>This is a summary of certain changes to the Fund since </b> <b>November 1, 2025</b> <b>. For more complete information, you may review the Fund’s </b> <b>current prospectus dated </b> <b>February 27, 2026</b> <b> at </b> <span style="white-space: nowrap;"> <span style="text-decoration-line: underline; color: rgb(0, 0, 0); line-height: 8.5pt; word-break: break-all; white-space: nowrap; font-weight: bold; font-family: 'times new roman'; font-size: 10pt;">bny.com/investments/literaturecenter</span> </span> <b> or upon request at 1-800-373-9387.</b></div>
bny.com/investments/literaturecenter
1-800-373-9387
During the period, fees were waived and/or expenses reimbursed pursuant to an agreement with the Fund’s investment adviser, BNY Mellon Investment Adviser, Inc.
During the period, fees were waived and/or expenses reimbursed pursuant to an agreement with the Fund’s investment adviser, BNY Mellon Investment Adviser, Inc.
Annualized.
Annualized.
Excludes money market funds or other short-term securities held for the investment of cash and cash collateral for securities loaned, if any.
During the period, fees were waived and/or expenses reimbursed pursuant to an agreement with the Fund’s investment adviser, BNY Mellon Investment Adviser, Inc.
Annualized.