FNILX vs SCHD: which was the better investment?
Fidelity ZERO Large Cap Index Fund against Schwab U.S. Dividend Equity ETF on real daily total-return data — every dividend reinvested, from Sep 28, 2018 to Jul 14, 2026.
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Frequently asked questions
Did FNILX beat SCHD?
Yes — measured from Sep 28, 2018 to Jul 14, 2026 with dividends reinvested, FNILX came out ahead: $29,377 versus $24,160 from a $10,000 start. That gap compounds from a 14.8% annual return against 12.0%.
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 $29,377 as of Jul 14, 2026, a total return of 193.8% (14.8% per year). The same $10,000 in SCHD would be worth $24,160.
Which was riskier — FNILX or SCHD?
FNILX swung with an annualized volatility of 19.9% and a worst peak-to-trough drop of -33.8%; SCHD ran at 18.2% volatility with a -33.4% maximum drawdown. Risk-adjusted (Sharpe ratio), that is 0.64 for FNILX vs 0.55 for SCHD.
What data is this comparison based on?
Daily adjusted closing prices covering Sep 28, 2018 through Jul 14, 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 SCHD. 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.