FZILX vs SWISX: which was the better investment?
Fidelity ZERO International Index Fund against Schwab International Index Fund on real daily total-return data — every dividend reinvested, from Aug 3, 2018 to Jul 13, 2026.
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Frequently asked questions
Did FZILX beat SWISX?
Yes — measured from Aug 3, 2018 to Jul 13, 2026 with dividends reinvested, FZILX came out ahead: $20,014 versus $19,345 from a $10,000 start. That gap compounds from a 9.1% annual return against 8.7%.
What would $10,000 in FZILX be worth today?
$10,000 invested in Fidelity ZERO International Index Fund (FZILX) on Aug 3, 2018 would be worth about $20,014 as of Jul 13, 2026, a total return of 100.1% (9.1% per year). The same $10,000 in SWISX would be worth $19,345.
Which was riskier — FZILX or SWISX?
FZILX swung with an annualized volatility of 17.3% and a worst peak-to-trough drop of -34.4%; SWISX ran at 17.8% volatility with a -33.7% maximum drawdown. Risk-adjusted (Sharpe ratio), that is 0.41 for FZILX vs 0.37 for SWISX.
What data is this comparison based on?
Daily adjusted closing prices covering Aug 3, 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 FZILX vs SWISX. 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.