Aug 3, 2018 – Oct 2, 2026, FZROX sets the start date
Growth of $10,000
Loading the growth chart…
Key metrics
| Return | FXAIX | FZROX |
|---|---|---|
| Final balance | $30,827 | $29,564 |
| Total return | +208.27% | +195.64% |
| CAGR | +14.79% | +14.20% |
| Calendar years | FXAIX | FZROX |
|---|---|---|
| Best year | +31.48% | +31.15% |
| Worst year | −18.14% | −19.21% |
| Positive years | 6 of 7 | 6 of 7 |
| Risk | FXAIX | FZROX |
|---|---|---|
| Max drawdown | −33.79% | −34.96% |
| Longest drawdown | 1.9 years | 1.9 years |
| Volatility (annualized) | 19.36% | 19.76% |
| Risk-adjusted | FXAIX | FZROX |
|---|---|---|
| Sharpe ratio | 0.81 | 0.77 |
| Sortino ratio | 1.15 | 1.09 |
| Calmar ratio | 0.44 | 0.41 |
Trailing returns
| Period | FXAIX | FZROX | FXAIX − FZROX |
|---|---|---|---|
| YTD | +13.49% | +13.79% | −0.30% |
| 1Y | +16.03% | +16.02% | +0.01% |
| 3Y | +23.14% | +22.91% | +0.23% |
| 5Y | +13.67% | +12.74% | +0.92% |
Rolling returns
| Period | FXAIX median | FZROX median | More often ahead |
|---|---|---|---|
| 1Y | +17.72% | +17.69% | FXAIX 72% |
| 3Y | +13.86% | +13.23% | FXAIX 96% |
| 5Y | +14.79% | +14.03% | FXAIX 100% |
Worst drawdowns · FXAIX
| Decline | Peak | Bottom | Recovered | Length |
|---|---|---|---|---|
| −33.8% | Feb 2020 | Mar 2020 | Aug 2020 | 6 months |
| −24.5% | Jan 2022 | Oct 2022 | Dec 2023 | 1.9 years |
| −19.4% | Sep 2018 | Dec 2018 | Apr 2019 | 7 months |
| −18.8% | Feb 2025 | Apr 2025 | Jun 2025 | 4 months |
| −9.5% | Sep 2020 | Sep 2020 | Nov 2020 | 2 months |
| Decline | Peak | Bottom | Recovered | Length |
|---|---|---|---|---|
| −35.0% | Feb 2020 | Mar 2020 | Aug 2020 | 6 months |
| −25.1% | Jan 2022 | Sep 2022 | Dec 2023 | 1.9 years |
| −20.1% | Sep 2018 | Dec 2018 | Apr 2019 | 7 months |
| −19.4% | Feb 2025 | Apr 2025 | Jun 2025 | 4 months |
| −9.3% | Sep 2020 | Sep 2020 | Nov 2020 | 2 months |
Annual returns
| Year | FXAIX | FZROX | FXAIX − FZROX |
|---|---|---|---|
| 2018from Aug 3 | −11.00% | −11.93% | +0.93% |
| 2019 | +31.48% | +31.15% | +0.34% |
| 2020 | +18.42% | +20.51% | −2.10% |
| 2021 | +28.71% | +26.00% | +2.71% |
| 2022 | −18.14% | −19.21% | +1.07% |
| 2023 | +26.29% | +26.20% | +0.09% |
| 2024 | +25.01% | +23.94% | +1.08% |
| 2025 | +17.84% | +17.23% | +0.61% |
| 2026to Oct 2 | +13.49% | +13.79% | −0.30% |
About FXAIX vs FZROX
Both are Fidelity index funds. FXAIX tracks the S&P 500, about 500 large US companies. FZROX holds the whole US market, adding mid-size and small companies, and charges no fee. It follows Fidelity's own index, and it can only be held in a Fidelity account.
FXAIX returned 14.8% a year from Aug 2018 to Oct 2026, against 14.2% for FZROX. Both fell furthest in 2020, FXAIX by 33.8% and FZROX by 35.0%. FXAIX beat FZROX in 6 of 7 full years and in every rolling 5-year period.
Uses daily closing prices with dividends reinvested. Fund fees are included, but not taxes or trading costs. The comparison starts on Aug 3, 2018, when FZROX's prices begin.