FZILX vs VTI: which was the better investment?
Fidelity ZERO International Index Fund against Vanguard Total Stock Market ETF on real daily total-return data — every dividend reinvested, from Aug 3, 2018 to Jul 14, 2026.
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Frequently asked questions
Did FZILX beat VTI?
No — measured from Aug 3, 2018 to Jul 14, 2026 with dividends reinvested, VTI came out ahead: $28,614 versus $20,195 from a $10,000 start. That gap compounds from a 14.2% annual return against 9.2%.
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 $20,195 as of Jul 14, 2026, a total return of 102.0% (9.2% per year). The same $10,000 in VTI would be worth $28,614.
Which was riskier — FZILX or VTI?
FZILX swung with an annualized volatility of 17.3% and a worst peak-to-trough drop of -34.4%; VTI ran at 19.8% volatility with a -35.0% maximum drawdown. Risk-adjusted (Sharpe ratio), that is 0.42 for FZILX vs 0.61 for VTI.
What data is this comparison based on?
Daily adjusted closing prices covering Aug 3, 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 FZILX vs VTI. 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.