FZROX vs SWTSX: which was the better investment?
Fidelity ZERO Total Market Index Fund against Schwab Total Stock Market 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 FZROX beat SWTSX?
It was effectively a tie over the full overlap period (Aug 3, 2018 to Jul 13, 2026): $10,000 grew to $28,839 in FZROX and $28,474 in SWTSX, a difference of under 2%.
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 $28,839 as of Jul 13, 2026, a total return of 188.4% (14.3% per year). The same $10,000 in SWTSX would be worth $28,474.
Which was riskier — FZROX or SWTSX?
FZROX swung with an annualized volatility of 20.0% and a worst peak-to-trough drop of -35.0%; SWTSX ran at 20.0% volatility with a -35.0% maximum drawdown. Risk-adjusted (Sharpe ratio), that is 0.61 for FZROX vs 0.60 for SWTSX.
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 FZROX vs SWTSX. 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.