FZROX vs QQQ: which was the better investment?
Fidelity ZERO Total Market Index Fund against Invesco QQQ Trust 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 FZROX beat QQQ?
No — measured from Aug 3, 2018 to Jul 14, 2026 with dividends reinvested, QQQ came out ahead: $41,588 versus $28,949 from a $10,000 start. That gap compounds from a 19.7% annual return against 14.3%.
What would $10,000 in FZROX be worth today?
$10,000 invested in Fidelity ZERO Total Market Index Fund (FZROX) on Aug 3, 2018 would be worth about $28,949 as of Jul 14, 2026, a total return of 189.5% (14.3% per year). The same $10,000 in QQQ would be worth $41,588.
Which was riskier — FZROX or QQQ?
FZROX swung with an annualized volatility of 19.9% and a worst peak-to-trough drop of -35.0%; QQQ ran at 24.2% volatility with a -35.1% maximum drawdown. Risk-adjusted (Sharpe ratio), that is 0.62 for FZROX vs 0.73 for QQQ.
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 FZROX vs QQQ. 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.