Master Fidelity Funds
Educational Investment Platform

Understand Fidelity's mutual funds and ETFs through comprehensive analysis, performance comparisons, and educational content designed for informed investing.

Performance Holdings Analysis
FXAIX (S&P 500): +24.2%
FTEC (Technology): +31.5%
FTIHX (International): +11.2%
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Understanding Fund Types

Learn the differences between various Fidelity fund categories and their investment strategies

Money Market

Very Low Risk

Low-risk funds that invest in short-term debt securities

Typical Return 3-5%
Best For Cash reserves, emergency funds

Index Fund

Moderate Risk

Passive funds that track market indices with low fees

Typical Return 7-10%
Best For Long-term investing, diversification

ETF

Varies Risk

Exchange-traded funds offering flexibility and low costs

Typical Return Varies by sector
Best For Active trading, specific sector exposure

Mutual Fund

Moderate to High Risk

Actively managed funds with professional oversight

Typical Return 8-12%
Best For Professional management, specific strategies

Performance Comparison

Compare year-to-date returns across different fund categories

Key Insights

  • Technology funds (FTEC, FSELX) lead with +31.5% to +35.2% YTD returns
  • Financial sector (FNCL) shows strong performance at +32.1%
  • Zero-fee funds (FZROX, FNILX) match market performance without costs
  • International funds provide diversification with moderate returns
  • Money market funds offer stability with consistent 4-5%+ returns
  • Real estate (FSRPX) faces challenges with -8.2% return

Investment Glossary

Essential terms every investor should know

Expense Ratio

The annual fee charged by a fund, expressed as a percentage of your investment. Lower is better for long-term returns.

ETF

Exchange-Traded Fund - trades like a stock on exchanges, typically with lower fees than mutual funds.

Index Fund

A fund that tracks a market index (like S&P 500) by holding the same stocks in the same proportions.

YTD Return

Year-to-Date return shows the fund's performance from January 1st to the current date.

Market Cap

Market Capitalization - the total value of a company's shares. Determines if it's large, mid, or small cap.

Diversification

Spreading investments across different assets to reduce risk. Don't put all eggs in one basket.

ZERO Funds

Fidelity's zero expense ratio funds that charge no management fees, making them extremely cost-effective.

Sector Fund

Funds that focus on specific industry sectors like technology, healthcare, or energy for targeted exposure.

Money Market Fund

Very low-risk funds investing in short-term debt, offering stability and liquidity for cash management.

Smart Investing Tips

Essential strategies for building a successful portfolio with Fidelity funds

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Start with ZERO Funds

Begin with Fidelity's zero-fee funds like FZROX or FNILX for broad market exposure without management costs.

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Diversify Globally

Add international exposure with FTIHX or FZILX to reduce dependence on U.S. market performance.

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Balance Risk & Return

Mix growth funds (FTEC) with stable options (SPAXX) based on your risk tolerance and time horizon.

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Watch Expense Ratios

Lower fees mean more money stays invested. Fidelity's zero-fee and low-cost index funds are excellent choices.

Time in Market

Consistent long-term investing typically outperforms trying to time the market. Start early and stay invested.

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Regular Rebalancing

Periodically adjust your portfolio to maintain your desired asset allocation and risk level.