Fidelity Strategic Advisers Fidelity US Total Stock Fund Returns Calculator
Calculate historical returns and project future compounding for Fidelity Strategic Advisers US Total Stock. Test different monthly amounts, tenures, and step-up scenarios using real historical NAV performance.
Category
Total US Stock Market
AUM
$265.13 Billion
Expense Ratio
0.28%
Fund Manager
Strategic Advisers Multi-Manager Team
Fidelity Strategic Advisers US Total Stock Historical SIP Performance & Returns Table
Historical value of standard monthly SIP investments based on actual fund CAGRs.
| Monthly SIP | 3 Years @ 23.4% CAGR | 5 Years @ 13.6% CAGR | 10 Years @ 14.7% CAGR |
|---|---|---|---|
| $100/mo | $5,250 Invested: $3,600 | $8,621 Invested: $6,000 | $27,272 Invested: $12,000 |
| $250/mo | $13,125 Invested: $9,000 | $21,552 Invested: $15,000 | $68,181 Invested: $30,000 |
| $500/mo | $26,251 Invested: $18,000 | $43,104 Invested: $30,000 | $136,361 Invested: $60,000 |
| $1,000/mo | $52,501 Invested: $36,000 | $86,208 Invested: $60,000 | $272,722 Invested: $120,000 |
| $2,500/mo | $131,254 Invested: $90,000 | $215,520 Invested: $150,000 | $681,805 Invested: $300,000 |
* Projections calculated using actual historical 3-year (23.4%), 5-year (13.59%), and 10-year (14.65%) performance data. Actual mutual fund returns fluctuate with market NAV.
Expert Editorial Analysis & Investment Review
Independent, data-driven assessment of Fidelity Strategic Advisers Fidelity US Total Stock Fund covering strategy, benchmark tracking, risk metrics, and suitability for long-term DCA / compounding portfolios.
Fund Overview
Fidelity Strategic Advisers Fidelity US Total Stock Fund (FCTDX) is a multi-billion dollar total stock market equity solution managing over $259 Billion in assets. Designed primarily as a core domestic equity building block for Fidelity Wealth Services, managed accounts, and advised client portfolios, FCTDX combines quantitative risk modeling, active sub-adviser allocations, and low-cost index replication.
The fund benchmarks against the Dow Jones US Total Stock Market Total Return Index, aiming to deliver total stock market performance with enhanced risk-adjusted returns by blending underlying Fidelity growth, value, and factor equity strategies.
Who Should Invest
- Fidelity Wealth Management Clients: Investors utilizing Fidelity managed accounts, digital wealth management, or financial advisor services where FCTDX is deployed as the foundational U.S. equity sleeve.
- Investors Seeking Multi-Manager Diversification: Those who want an equity strategy that blends active stock selection with index cost discipline across more than 2,000 holdings.
- All-Cap Domestic Equity Savers: Investors seeking exposure across large, mid, and small-cap U.S. companies within a single managed fund.
Key Strengths
- Multi-Manager Resilience: Spreads manager-specific risk across top institutional sub-advisers and proprietary quantitative models.
- Competitive Expense Ratio (0.28%): Exceptionally low fee for a multi-manager active/hybrid total market equity strategy, ranking in the top tier for cost efficiency.
- Morningstar Silver Medalist: Recognized by Morningstar analysts for strong parent stewardship, sound multi-manager process, and consistent category performance.
- Dynamic Factor Balancing: Blends growth leaders (Microsoft, NVIDIA, Apple) with value stalwarts to reduce single-style volatility.
Risks to Consider
- Fee Drag vs Pure Passive Indexing: At 0.28%, FCTDX is slightly more expensive than pure index mutual funds like FXAIX (0.015%) or VTSAX (0.04%).
- Account Availability Constraints: FCTDX is primarily offered through Fidelity managed accounts and wealth management programs rather than direct retail self-directed execution.
- Potential Capital Gain Distributions: Active reallocation among underlying sub-advisers can generate annual capital gains distributions in taxable accounts.
Analyzing Historical Returns & Systematic Strategy
FCTDX has generated a 10-year annualized return of approximately 14.65%, keeping pace with the broader U.S. stock market. Explore our returns calculator to measure how automated systematic dollar-cost averaging into total stock market strategies creates wealth over full market cycles.
About Fidelity Strategic Advisers Fidelity US Total Stock Fund
FCTDX is a mega-scale multi-manager total stock market fund managed by Fidelity Strategic Advisers. It combines proprietary quantitative modeling, underlying active/passive sub-advisers, and ETF allocations to capture broad US equity growth with factor enhancements.
Investment Strategy
Multi-Manager Hybrid Strategy â Normally invests at least 80% of assets in US common stocks and common stock funds, allocating capital dynamically across growth, value, and factor sub-advisers to track and seek outperformance against the DJ US Total Stock Market Index.
Key Facts
- Over $259 Billion in AUM, ranking among the largest US mutual funds
- Multi-manager architecture combining active sub-advisers and low-cost index overlays
- Morningstar Medalist Rating of Silver
- Holding over 2,000 individual securities for comprehensive US market coverage
Historical Returns
3-Year CAGR
23.4%
5-Year CAGR
13.59%
10-Year CAGR
14.65%
Benchmark
Dow Jones US Total Stock Market TR USD Index
Historical annualized returns as of August 2026. Past performance does not guarantee future results.
Top Holdings & Sector Allocation
As of September 2026, Fidelity Strategic Advisers US Total Stock's portfolio includes:
Top 5 Holdings
- Microsoft Corp. (MSFT)
- Apple Inc. (AAPL)
- NVIDIA Corp. (NVDA)
- Amazon.com Inc. (AMZN)
- Alphabet Inc. (GOOGL)
Sector Allocation
Information Technology 31.8%, Financials 13.0%, Healthcare 11.6%, Consumer Discretionary 10.3%, Industrials 9.1%, Communication Services 8.7%, Others 15.5%
Risk & Drawdowns
Standard deviation is ~15.1% over 3 years, closely tracking broad domestic equity markets.
Experienced -34% drawdown during March 2020 and -24.2% in 2022.
Tax Treatment
Annual capital gain distributions may occur due to active manager reallocation. Tax-advantaged accounts (IRAs/401ks) provide optimal shielding.
Who Should NOT Invest in Fidelity Strategic Advisers US Total Stock?
Self-directed index purists seeking zero active management or sub-0.05% expense ratios.
About the Fund Manager
Managed by Fidelity Strategic Advisers LLC, overseeing multi-asset and multi-manager institutional strategies.
Who Is This Fund Suitable For?
Designed primarily for Fidelity Wealth Services, managed accounts, and advised clients seeking an all-in-one multi-manager domestic equity engine.
More Funds from Fidelity & Similar Schemes
Similar Funds to Consider
- Fidelity 500 Index Fund (FXAIX)
- Vanguard Total Stock Market Index Fund Admiral Shares (VTSAX)
- Fidelity Contrafund (FCNTX)
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 Strategic Advisers US Total Stock Investors
- FIRE Calculator â Plan your retirement corpus with Fidelity Strategic Advisers US Total Stock as part of your portfolio
- Cost of Delay Calculator â See how much delaying your SIP in Fidelity Strategic Advisers US Total Stock could cost you
- SIP vs EMI Calculator â Compare investing in Fidelity Strategic Advisers US Total Stock vs paying off loans
Frequently Asked Questions About Fidelity Strategic Advisers US Total Stock
What is the historical SIP return of Fidelity Strategic Advisers US Total Stock?
Based on the latest data, Fidelity Strategic Advisers US Total Stock has delivered an annualized return (CAGR) of 23.4% over 3 years, 13.59% over 5 years, and 14.65% over 10 years. Experienced -34% drawdown during March 2020 and -24.2% in 2022.
How is Fidelity Strategic Advisers US Total Stock 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 Strategic Advisers US Total Stock generate over 5 years?
At an estimated annual return rate of 13.59%, a monthly $500 investment ($30,000 total invested) would grow to approximately $43,104 in 5 years, yielding an estimated wealth gain of $13,104. Use our interactive calculator above to test custom amounts with actual historical NAV data.
What are the top holdings in Fidelity Strategic Advisers US Total Stock?
Fidelity Strategic Advisers US Total Stock'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 31.8%, Financials 13.0%, Healthcare 11.6%, Consumer Discretionary 10.3%, Industrials 9.1%, Communication Services 8.7%, Others 15.5%.
What is the risk profile of Fidelity Strategic Advisers US Total Stock?
Standard deviation is ~15.1% over 3 years, closely tracking broad domestic equity markets. This fund may not be suitable for self-directed index purists seeking zero active management or sub-0.05% expense ratios..
What are the tax implications of investing in Fidelity Strategic Advisers US Total Stock?
Annual capital gain distributions may occur due to active manager reallocation. Tax-advantaged accounts (IRAs/401ks) provide optimal shielding.
Data last updated: September 2026 | Fund data sourced from SEC filings and public exchanges
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