VTIAX vs FZILX: which was the better investment?
Vanguard Total International Stock Index Fund Admiral Shares against Fidelity ZERO 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 VTIAX beat FZILX?
No — measured from Aug 3, 2018 to Jul 13, 2026 with dividends reinvested, FZILX came out ahead: $20,014 versus $19,310 from a $10,000 start. That gap compounds from a 9.1% annual return against 8.6%.
What would $10,000 in VTIAX be worth today?
$10,000 invested in Vanguard Total International Stock Index Fund Admiral Shares (VTIAX) on Aug 3, 2018 would be worth about $19,310 as of Jul 13, 2026, a total return of 93.1% (8.6% per year). The same $10,000 in FZILX would be worth $20,014.
Which was riskier — VTIAX or FZILX?
VTIAX swung with an annualized volatility of 17.0% and a worst peak-to-trough drop of -34.8%; FZILX ran at 17.3% volatility with a -34.4% maximum drawdown. Risk-adjusted (Sharpe ratio), that is 0.39 for VTIAX vs 0.41 for FZILX.
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 VTIAX vs FZILX. 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.