Fidelity Govt Money Market 定投收益计算器
测算 Fidelity Govt Money Market 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)
0.42%
基金经理
Fidelity Management & Research (FMR Co)
Fidelity Govt Money Market 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 @ 4.8% CAGR | 5 年期 @ 3.2% CAGR | 10 年期 @ 2.0% CAGR |
|---|---|---|---|
| $100/月 | $3,882 累计投入: $3,600 | $6,518 累计投入: $6,000 | $13,329 累计投入: $12,000 |
| $250/月 | $9,706 累计投入: $9,000 | $16,295 累计投入: $15,000 | $33,322 累计投入: $30,000 |
| $500/月 | $19,412 累计投入: $18,000 | $32,590 累计投入: $30,000 | $66,644 累计投入: $60,000 |
| $1,000/月 | $38,823 累计投入: $36,000 | $65,180 累计投入: $60,000 | $133,287 累计投入: $120,000 |
| $2,500/月 | $97,058 累计投入: $90,000 | $162,950 累计投入: $150,000 | $333,218 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 Money Market Fund
Fidelity's flagship government money market fund and core cash position. SPAXX invests in ultra-short US government obligations to maintain a stable $1.00 net asset value while paying competitive short-term yields.
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
- Maintains a stable $1.00 net asset value (NAV) per share
- Invests at least 99.5% of assets in US government obligations and repo agreements
- No minimum initial investment required ($0 minimum)
- Default cash core settlement position for Fidelity brokerage and IRA accounts
历史年化收益表现 (CAGR)
近3年年化
4.85% (Compound Yield)
近5年年化
3.22% (Compound Yield)
近10年年化
2.05% (Compound Yield)
业绩基准
Crane Government Money Fund Index
Yields vary with interest rate conditions. Money market funds are not insured by the FDIC, though they seek to maintain a $1.00 share price.
前五大核心持仓与行业分布
根据最新公开披露，Fidelity Govt Money Market 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 Securities 58.2%, Government Agency Repos 41.5%, Cash Equivalents 0.3%
风险特征与最大回撤
Near-zero NAV volatility. The fund seeks to preserve a constant $1.00 per share value.
Has maintained its $1.00 constant NAV throughout all historical market and liquidity stress periods.
交易规则与税费说明
Distributions are taxable as ordinary income for federal taxes. A substantial portion may be exempt from state/local taxes due to direct Treasury holdings.
哪些投资者不适合投资 Fidelity Govt Money Market？
Long-term growth investors seeking wealth compounding or inflation-beating equity returns over 5+ year horizons.
基金经理简介
Managed by Fidelity's Fixed Income & Money Market team, overseeing hundreds of billions in liquidity strategies.
适合哪些投资者？
Ideal for emergency funds, short-term cash reserves, parking cash between trades, and conservative investors requiring capital preservation with daily liquidity.
同类别及相关推荐基金
同类别备选基金
- Vanguard Federal Money Market Fund (VMFXX)
- Schwab Prime Advantage Money Fund (SWVXX)
- Fidelity Government Cash Reserves (FDRXX)
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 Govt Money Market
Fidelity Govt Money Market 的历史定投回报表现如何？
根据交易所公开历史数据，Fidelity Govt Money Market 近3年年化回报率为 4.85% (Compound Yield)，近5年年化为 3.22% (Compound Yield)，近10年年化为 2.05% (Compound Yield)。 Yields vary with interest rate conditions. Money market funds are not insured by the FDIC, though they seek to maintain a $1.00 share price.
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 3.22% 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 $32,590，预期资产增值收益约为 $2,590。您可以使用上方计算器输入自定义金额与年份测试。
Fidelity Govt Money Market 的前几大重仓资产包含哪些？
Fidelity Govt Money Market 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 Securities 58.2%, Government Agency Repos 41.5%, Cash Equivalents 0.3%。
Fidelity Govt Money Market 的投资风险等级如何？
Near-zero NAV volatility. The fund seeks to preserve a constant $1.00 per share value. 本基金可能不适合 Long-term growth investors seeking wealth compounding or inflation-beating equity returns over 5+ year horizons.
投资该基金有哪些税费或交易成本？
Distributions are taxable as ordinary income for federal taxes. A substantial portion may be exempt from state/local taxes due to 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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