FNILX vs VOO: which was the better investment?
Fidelity ZERO Large Cap Index Fund against Vanguard S&P 500 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 VOO?
It was effectively a tie over the full overlap period (Sep 28, 2018 to Jul 14, 2026): $10,000 grew to $29,377 in FNILX and $29,120 in VOO, 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 $29,377 as of Jul 14, 2026, a total return of 193.8% (14.8% per year). The same $10,000 in VOO would be worth $29,120.
Which was riskier — FNILX or VOO?
FNILX swung with an annualized volatility of 19.9% and a worst peak-to-trough drop of -33.8%; VOO ran at 19.7% volatility with a -34.0% maximum drawdown. Risk-adjusted (Sharpe ratio), that is 0.64 for FNILX vs 0.65 for VOO.
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 VOO. 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.