Fidelity Government Cash Reserves 定投收益计算器
测算 Fidelity Government Cash Reserves 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
Money Market (US)
资产规模 (AUM)
$1.00 Million
管理费率 (Expense Ratio)
0.37%
基金经理
Eric S. Graham & Stephanie Merritt
Fidelity Government Cash Reserves 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 @ 4.9% CAGR | 5 年期 @ 3.2% CAGR | 10 年期 @ 2.1% CAGR |
|---|---|---|---|
| $100/月 | $3,884 累计投入: $3,600 | $6,521 累计投入: $6,000 | $13,336 累计投入: $12,000 |
| $250/月 | $9,710 累计投入: $9,000 | $16,303 累计投入: $15,000 | $33,339 累计投入: $30,000 |
| $500/月 | $19,421 累计投入: $18,000 | $32,607 累计投入: $30,000 | $66,678 累计投入: $60,000 |
| $1,000/月 | $38,841 累计投入: $36,000 | $65,214 累计投入: $60,000 | $133,356 累计投入: $120,000 |
| $2,500/月 | $97,104 累计投入: $90,000 | $163,035 累计投入: $150,000 | $333,391 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 Government Cash Reserves
One of Fidelity's longest-running government money market funds, established in 1979. FDRXX invests in short-term US government securities and repo agreements to provide high liquidity and income with a stable $1.00 NAV.
投资策略与运作方式
Government Money Market Strategy — Invests at least 99.5% of total assets in cash, US government securities, and repurchase agreements fully collateralized by US government securities, targeting maximum safety and liquidity.
核心亮点与产品特征
- Over 45-year continuous operating track record since 1979
- Maintains a stable $1.00 NAV per share
- Invests at least 99.5% in US government obligations and cash
- $0 minimum investment requirement
历史年化收益表现 (CAGR)
近3年年化
4.88% (Compound Yield)
近5年年化
3.24% (Compound Yield)
近10年年化
2.06% (Compound Yield)
业绩基准
Crane Government Money Fund Index
Money market funds are not FDIC insured.
前五大核心持仓与行业分布
根据最新公开披露，Fidelity Government Cash Reserves 的核心持仓与资产配置如下：
前五大重仓资产
- U.S. Treasury Bills & Notes (~55-65%)
- U.S. Government Agency Repurchase Agreements (~35-45%)
- Cash & Cash Equivalents (<1%)
行业板块分布
U.S. Treasury Debt 58.5%, Government Agency Repos 41.2%, Cash Equivalents 0.3%
风险特征与最大回撤
Near-zero NAV volatility seeking constant $1.00 share price.
Maintained uninterrupted $1.00 NAV throughout historical crises since 1979.
交易规则与税费说明
Distributions are taxable federally. A portion is state-tax exempt based on direct Treasury holdings.
哪些投资者不适合投资 Fidelity Government Cash Reserves？
Long-term investors seeking wealth accumulation or inflation-hedging capital appreciation.
基金经理简介
Co-managed by Eric S. Graham (since 2019) and Stephanie Merritt (since 2024) of Fidelity Fixed Income.
适合哪些投资者？
Ideal for conservative investors, retirement cash buffers, and Fidelity account holders seeking capital preservation with competitive yield.
同类别及相关推荐基金
同类别备选基金
- Fidelity Government Money Market Fund (SPAXX)
- Vanguard Federal Money Market Fund (VMFXX)
- Schwab Prime Advantage Money Fund (SWVXX)
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。
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常见问题解答 (FAQ) — Fidelity Government Cash Reserves
Fidelity Government Cash Reserves 的历史定投回报表现如何？
根据交易所公开历史数据，Fidelity Government Cash Reserves 近3年年化回报率为 4.88% (Compound Yield)，近5年年化为 3.24% (Compound Yield)，近10年年化为 2.06% (Compound Yield)。 Money market funds are not FDIC insured.
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 3.24% 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 $32,607，预期资产增值收益约为 $2,607。您可以使用上方计算器输入自定义金额与年份测试。
Fidelity Government Cash Reserves 的前几大重仓资产包含哪些？
Fidelity Government Cash Reserves 的核心重仓包括 U.S. Treasury Bills & Notes (~55-65%)、U.S. Government Agency Repurchase Agreements (~35-45%)、Cash & Cash Equivalents (<1%) 等知名标的。行业配置侧重于 U.S. Treasury Debt 58.5%, Government Agency Repos 41.2%, Cash Equivalents 0.3%。
Fidelity Government Cash Reserves 的投资风险等级如何？
Near-zero NAV volatility seeking constant $1.00 share price. 本基金可能不适合 Long-term investors seeking wealth accumulation or inflation-hedging capital appreciation.
投资该基金有哪些税费或交易成本？
Distributions are taxable federally. A portion is state-tax exempt based on direct Treasury holdings.
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
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