FNILX vs FXAIX: which was the better investment?
Fidelity ZERO Large Cap Index Fund against Fidelity 500 Index Fund on real daily total-return data — every dividend reinvested, from Sep 28, 2018 to Jul 13, 2026.
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Frequently asked questions
Did FNILX beat FXAIX?
It was effectively a tie over the full overlap period (Sep 28, 2018 to Jul 13, 2026): $10,000 grew to $29,257 in FNILX and $29,150 in FXAIX, a difference of under 2%.
What would $10,000 in FNILX be worth today?
$10,000 invested in Fidelity ZERO Large Cap Index Fund (FNILX) on Sep 28, 2018 would be worth about $29,257 as of Jul 13, 2026, a total return of 192.6% (14.8% per year). The same $10,000 in FXAIX would be worth $29,150.
Which was riskier — FNILX or FXAIX?
FNILX swung with an annualized volatility of 19.9% and a worst peak-to-trough drop of -33.8%; FXAIX ran at 19.7% volatility with a -33.8% maximum drawdown. Risk-adjusted (Sharpe ratio), that is 0.64 for FNILX vs 0.64 for FXAIX.
What data is this comparison based on?
Daily adjusted closing prices covering Sep 28, 2018 through Jul 13, 2026 — the full period where both assets have price history. Adjusted prices include dividends and splits, so these are total returns. The page refreshes with new market data every day.
Can I change the dates, amounts, or add monthly investing?
Yes — the interactive tool on this page is pre-loaded with FNILX vs FXAIX. You can set any start and end date, change the starting amount, add monthly contributions, or build a multi-asset portfolio and compare it against any benchmark.