Fidelity 500 Index Fund Returns Calculator
Calculate historical returns and project future compounding for Fidelity 500 Index. Test different monthly amounts, tenures, and step-up scenarios using real historical NAV performance.
Category
Large Blend (US)
AUM
$859.16 Billion
Expense Ratio
0.01%
Fund Manager
Geode Capital Management
Fidelity 500 Index Historical SIP Performance & Returns Table
Historical value of standard monthly SIP investments based on actual fund CAGRs.
| Monthly SIP | 3 Years @ 23.0% CAGR | 5 Years @ 13.8% CAGR | 10 Years @ 15.3% CAGR |
|---|---|---|---|
| $100/mo | $5,211 Invested: $3,600 | $8,681 Invested: $6,000 | $28,475 Invested: $12,000 |
| $250/mo | $13,029 Invested: $9,000 | $21,703 Invested: $15,000 | $71,186 Invested: $30,000 |
| $500/mo | $26,057 Invested: $18,000 | $43,406 Invested: $30,000 | $142,373 Invested: $60,000 |
| $1,000/mo | $52,115 Invested: $36,000 | $86,812 Invested: $60,000 | $284,745 Invested: $120,000 |
| $2,500/mo | $130,287 Invested: $90,000 | $217,029 Invested: $150,000 | $711,863 Invested: $300,000 |
* Projections calculated using actual historical 3-year (22.96%), 5-year (13.84%), and 10-year (15.35%) performance data. Actual mutual fund returns fluctuate with market NAV.
About Fidelity 500 Index Fund
Fidelity's flagship S&P 500 index fund, offering the lowest retail expense ratio in the industry (0.015%) and zero minimum investment for broad US large-cap market exposure.
Investment Strategy
Passive Indexing â Normally invests at least 80% of assets in common stocks included in the S&P 500 Index, using a market-cap weighted replication strategy to mirror America's 500 leading corporations.
Key Facts
- Tracks the S&P 500 Index of 500 leading US large-cap corporations
- Industry-leading 0.015% net expense ratio ($1.50/year per $10,000 invested)
- No minimum initial investment ($0 minimum)
- Over $833 billion in AUM with exceptional liquidity and index tracking
Historical Returns
3-Year CAGR
22.96%
5-Year CAGR
13.84%
10-Year CAGR
15.35%
Benchmark
S&P 500 Index
Historical annualized returns as of August 2026. Mutual fund investments are subject to market risks.
Top Holdings & Sector Allocation
As of September 2026, Fidelity 500 Index's portfolio includes:
Top 5 Holdings
- Microsoft Corp. (MSFT)
- Apple Inc. (AAPL)
- NVIDIA Corp. (NVDA)
- Amazon.com Inc. (AMZN)
- Meta Platforms Inc. (META)
Sector Allocation
Information Technology 32.4%, Financials 12.8%, Healthcare 11.5%, Consumer Discretionary 10.1%, Communication Services 9.0%, Industrials 8.4%, Consumer Staples 5.8%, Energy 3.6%, Others 6.4%
Risk & Drawdowns
Standard deviation is ~15.0% over 3 years, with a beta of 1.00 relative to the S&P 500 Index.
Max drawdown of -33.9% in March 2020 and -23.9% in 2022, mirroring the benchmark.
Tax Treatment
Minimal capital gain distributions historically. Quarterly dividends are largely qualified dividends taxed at preferential rates (0%/15%/20%).
Who Should NOT Invest in Fidelity 500 Index?
Investors seeking capital preservation over short timeframes (<3 years) or those requiring global/small-cap exposure.
About the Fund Manager
Sub-advised by Geode Capital Management. The team includes Louis Bottari, Peter Matthew, Robert Regan, and Payal Gupta.
Who Is This Fund Suitable For?
Ideal foundational equity core for retail investors, IRAs, HSAs, 401(k)s, and taxable brokerage accounts seeking rock-bottom cost large-cap exposure.
More Funds from Fidelity & Similar Schemes
Similar Funds to Consider
- Vanguard 500 Index Fund Admiral Shares
- Schwab S&P 500 Index Fund
- Vanguard Total Stock Market Index Fund Admiral Shares
Or compare side by side using our main SIP calculator â you can test different funds with the same investment amount and dates to see which performed better.
Other Tools for Fidelity 500 Index Investors
- FIRE Calculator â Plan your retirement corpus with Fidelity 500 Index as part of your portfolio
- Cost of Delay Calculator â See how much delaying your SIP in Fidelity 500 Index could cost you
- SIP vs EMI Calculator â Compare investing in Fidelity 500 Index vs paying off loans
Frequently Asked Questions About Fidelity 500 Index
What is the historical SIP return of Fidelity 500 Index?
Based on the latest data, Fidelity 500 Index has delivered an annualized return (CAGR) of 22.96% over 3 years, 13.84% over 5 years, and 15.35% over 10 years. Max drawdown of -33.9% in March 2020 and -23.9% in 2022, mirroring the benchmark.
How is Fidelity 500 Index SIP return calculated?
SIP returns are calculated using the XIRR (Extended Internal Rate of Return) method. Each monthly installment buys units at the fund's Net Asset Value (NAV) on that specific day. When markets are down, your SIP buys more units, and when markets are up, it buys fewer units (rupee cost averaging). Our calculator replays this exact process using historical NAV data to compute the precise current value of your accumulated units.
How much return would $500 monthly SIP in Fidelity 500 Index generate over 5 years?
At an estimated annual return rate of 13.84%, a monthly $500 investment ($30,000 total invested) would grow to approximately $43,406 in 5 years, yielding an estimated wealth gain of $13,406. Use our interactive calculator above to test custom amounts with actual historical NAV data.
What are the top holdings in Fidelity 500 Index?
Fidelity 500 Index's top holdings include Microsoft Corp. (MSFT), Apple Inc. (AAPL), NVIDIA Corp. (NVDA), and Amazon.com Inc. (AMZN). The fund's sector allocation is Information Technology 32.4%, Financials 12.8%, Healthcare 11.5%, Consumer Discretionary 10.1%, Communication Services 9.0%, Industrials 8.4%, Consumer Staples 5.8%, Energy 3.6%, Others 6.4%.
What is the risk profile of Fidelity 500 Index?
Standard deviation is ~15.0% over 3 years, with a beta of 1.00 relative to the S&P 500 Index. This fund may not be suitable for investors seeking capital preservation over short timeframes (<3 years) or those requiring global/small-cap exposure..
What are the tax implications of investing in Fidelity 500 Index?
Minimal capital gain distributions historically. Quarterly dividends are largely qualified dividends taxed at preferential rates (0%/15%/20%).
Data last updated: September 2026 | Fund data sourced from SEC filings and public exchanges
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