Fidelity 500 Index 定投收益计算器
测算 Fidelity 500 Index 的真实历史定投回报与复利增值。基于官方公开历史净值，回测不同定投金额、持有期限及每年递增投资效果。
基金类别
Large Blend (US)
资产规模 (AUM)
$859.16 Billion
管理费率 (Expense Ratio)
0.01%
基金经理
Geode Capital Management
Fidelity 500 Index 历史定投表现及收益矩阵表
基于实际历史复合年化回报率（CAGR）测算的不同月定投金额持有收益。
| 每月定投金额 | 3 年期 @ 23.0% CAGR | 5 年期 @ 13.8% CAGR | 10 年期 @ 15.3% CAGR |
|---|---|---|---|
| $100/月 | $5,211 累计投入: $3,600 | $8,681 累计投入: $6,000 | $28,475 累计投入: $12,000 |
| $250/月 | $13,029 累计投入: $9,000 | $21,703 累计投入: $15,000 | $71,186 累计投入: $30,000 |
| $500/月 | $26,057 累计投入: $18,000 | $43,406 累计投入: $30,000 | $142,373 累计投入: $60,000 |
| $1,000/月 | $52,115 累计投入: $36,000 | $86,812 累计投入: $60,000 | $284,745 累计投入: $120,000 |
| $2,500/月 | $130,287 累计投入: $90,000 | $217,029 累计投入: $150,000 | $711,863 累计投入: $300,000 |
* 测算基于实际基金历史年化收益率。基金投资不同于银行存款，实际投资回报随二级市场净值实时波动。
关于 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.
投资策略与运作方式
Passive Indexing — 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.
核心亮点与产品特征
- 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
历史年化收益表现 (CAGR)
近3年年化
22.96%
近5年年化
13.84%
近10年年化
15.35%
业绩基准
S&P 500 Index
Historical annualized returns as of August 2026. Mutual fund investments are subject to market risks.
前五大核心持仓与行业分布
根据最新公开披露，Fidelity 500 Index 的核心持仓与资产配置如下：
前五大重仓资产
- Microsoft Corp. (MSFT)
- Apple Inc. (AAPL)
- NVIDIA Corp. (NVDA)
- Amazon.com Inc. (AMZN)
- Meta Platforms Inc. (META)
行业板块分布
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%
风险特征与最大回撤
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.
交易规则与税费说明
Minimal capital gain distributions historically. Quarterly dividends are largely qualified dividends taxed at preferential rates (0%/15%/20%).
哪些投资者不适合投资 Fidelity 500 Index？
Investors seeking capital preservation over short timeframes (<3 years) or those requiring global/small-cap exposure.
基金经理简介
Sub-advised by Geode Capital Management. The team includes Louis Bottari, Peter Matthew, Robert Regan, and Payal Gupta.
适合哪些投资者？
Ideal foundational equity core for retail investors, IRAs, HSAs, 401(k)s, and taxable brokerage accounts seeking rock-bottom cost large-cap exposure.
同类别及相关推荐基金
同类别备选基金
- Vanguard 500 Index Fund Admiral Shares
- Schwab S&P 500 Index Fund
- Vanguard Total Stock Market Index Fund Admiral Shares
您也可以通过我们的 智能定投主计算器 对比多只基金，在相同定投金额与周期下直观比对历史表现。
更多定投与财务规划实用工具
- 财务自由 (FIRE) 计算器 — 规划您的提前退休与被动收入目标
- 推迟定投成本计算器 — 直观测算推迟开始定投将损失的复利财富
- 定投 vs 还贷 (SIP vs EMI) 计算器 — 科学权衡提前还房贷还是坚持基金定投
常见问题解答 (FAQ) — Fidelity 500 Index
Fidelity 500 Index 的历史定投回报表现如何？
根据交易所公开历史数据，Fidelity 500 Index 近3年年化回报率为 22.96%，近5年年化为 13.84%，近10年年化为 15.35%。 Historical annualized returns as of August 2026. Mutual fund investments are subject to market risks.
基金定投（SIP）的回报是如何计算的？
定投回报采用扩展内部收益率（XIRR）或基于真实历史月度净值的复利回测计算。在每月设定的扣款日，定投金额会按当天公布的基金份额净值（NAV）申购份额。在市场回调时自动购入更多份额、市场上涨时购入更少份额，通过时间平摊持仓成本并实现复利。
每月定投 $500，5年后大约能积累多少资产？
按年化复合回报率 13.84% 测算，每月定投 $500（5年累计投入本金 $30,000），5年后预期期末总资产约为 $43,406，预期资产增值收益约为 $13,406。您可以使用上方计算器输入自定义金额与年份测试。
Fidelity 500 Index 的前几大重仓资产包含哪些？
Fidelity 500 Index 的核心重仓包括 Microsoft Corp. (MSFT)、Apple Inc. (AAPL)、NVIDIA Corp. (NVDA) 等知名标的。行业配置侧重于 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%。
Fidelity 500 Index 的投资风险等级如何？
Standard deviation is ~15.0% over 3 years, with a beta of 1.00 relative to the S&P 500 Index. 本基金可能不适合 Investors seeking capital preservation over short timeframes (<3 years) or those requiring global/small-cap exposure.
投资该基金有哪些税费或交易成本？
Minimal capital gain distributions historically. Quarterly dividends are largely qualified dividends taxed at preferential rates (0%/15%/20%).
数据更新时间: 2026年9月 | 历史净值来自官方公开交易所行情