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Fidelity Zero Fee Funds
Posted on 7/20/26 at 11:06 am
Posted on 7/20/26 at 11:06 am
anyone here have any personal experience with the zero-fee funds offered by Fidelity to its account holders?
no fees, no minimums ... they only offer four, but their fund performance is not that different than their fee-based funds in the same category ....
Fidelity ZERO Total Market Index Fund (FZROX) A broad index fund that includes small-, mid-, and large-cap U.S. stocks.
Fidelity ZERO Large Cap Index Fund (FNILX) Similar to an S&P 500 index fund, focusing on large-cap U.S. stocks.
Fidelity ZERO Extended Market Index Fund (FZIPX) custom index of small-cap and mid-cap U.S. stocks, with a focus on industrials and financials.
Fidelity ZERO International Index Fund (FZILX) Invests in large-cap stocks outside the U.S., primarily in Europe and emerging markets.
For example, here's my comparison between FSKAX (Total Market Index Fund) and FZROX (Zero Fee Total Index Fund) :
over the past 5 years FSKAX returned 12.33%/yr and FZROX returned 12.53%/yr, and their correlation is about 0.99–1.00 (they move nearly in lockstep).
Year-to-date (2026) is also close, with FSKAX at 11.25% vs FZROX at 11.29%.
I'd welcome any input on these zero-fee funds ... thinking about putting some funds to work for my grandkids ... thanks mucho
no fees, no minimums ... they only offer four, but their fund performance is not that different than their fee-based funds in the same category ....
Fidelity ZERO Total Market Index Fund (FZROX) A broad index fund that includes small-, mid-, and large-cap U.S. stocks.
Fidelity ZERO Large Cap Index Fund (FNILX) Similar to an S&P 500 index fund, focusing on large-cap U.S. stocks.
Fidelity ZERO Extended Market Index Fund (FZIPX) custom index of small-cap and mid-cap U.S. stocks, with a focus on industrials and financials.
Fidelity ZERO International Index Fund (FZILX) Invests in large-cap stocks outside the U.S., primarily in Europe and emerging markets.
For example, here's my comparison between FSKAX (Total Market Index Fund) and FZROX (Zero Fee Total Index Fund) :
over the past 5 years FSKAX returned 12.33%/yr and FZROX returned 12.53%/yr, and their correlation is about 0.99–1.00 (they move nearly in lockstep).
Year-to-date (2026) is also close, with FSKAX at 11.25% vs FZROX at 11.29%.
I'd welcome any input on these zero-fee funds ... thinking about putting some funds to work for my grandkids ... thanks mucho
4
Posted on 7/20/26 at 12:10 pm to cadillacattack
There's a couple of details that you need to be aware of before you buy.
#1 They are in-house funds and don't follow licensed benchmarks like the S&P. Not a big deal, it's part of how they save on fees by not paying for a license, but it's a detail that you should know about.
#2 They are locked from a custodial standpoint. You can't transfer them for an in-kind fund. You have to liquidate the mutual fund if you want to invest the money elsewhere. This can create a tax event.
I'm sure there are some other things, but those two are things to keep top of mind.
#1 They are in-house funds and don't follow licensed benchmarks like the S&P. Not a big deal, it's part of how they save on fees by not paying for a license, but it's a detail that you should know about.
#2 They are locked from a custodial standpoint. You can't transfer them for an in-kind fund. You have to liquidate the mutual fund if you want to invest the money elsewhere. This can create a tax event.
I'm sure there are some other things, but those two are things to keep top of mind.
This post was edited on 7/20/26 at 1:14 pm
Posted on 7/20/26 at 12:21 pm to cadillacattack
quote:
Fidelity ZERO Large Cap Index Fund (FNILX) Similar to an S&P 500 index fund, focusing on large-cap U.S. stocks.
I've been in this one for a few years and its my best performer by quite a bit.
Posted on 7/20/26 at 1:12 pm to cadillacattack
I have held fzrox and fnilx in my Roth almost since their inception. Zero complaints, exactly what you would expect minus the fees.
Obviously locked to Fidelity only, but being in my Roth if I was to change brokerage these would be to be liquidated before selling
Obviously locked to Fidelity only, but being in my Roth if I was to change brokerage these would be to be liquidated before selling
Posted on 7/20/26 at 7:08 pm to cadillacattack
These are my lowest cost funds.
They’ve returned close to the market return over my holding period.
It’s simple. It’s free.
Probably too boring from some people.
They’ve returned close to the market return over my holding period.
It’s simple. It’s free.
Probably too boring from some people.
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