Fidelity Institutional Government 定投收益计算器
测算 Fidelity Institutional Government 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)
0.14%
基金经理
Joe K. McHale, Eric S. Graham & Stephanie Merritt
Fidelity Institutional Government 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 @ 3.3% CAGR | 10 年期 @ 2.1% CAGR |
|---|---|---|---|
| $100/月 | $3,888 累计投入: $3,600 | $6,530 累计投入: $6,000 | $13,370 累计投入: $12,000 |
| $250/月 | $9,720 累计投入: $9,000 | $16,325 累计投入: $15,000 | $33,426 累计投入: $30,000 |
| $500/月 | $19,439 累计投入: $18,000 | $32,649 累计投入: $30,000 | $66,852 累计投入: $60,000 |
| $1,000/月 | $38,878 累计投入: $36,000 | $65,299 累计投入: $60,000 | $133,704 累计投入: $120,000 |
| $2,500/月 | $97,195 累计投入: $90,000 | $163,247 累计投入: $150,000 | $334,260 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 Institutional Government Portfolio Institutional Class
Fidelity Institutional Government Portfolio (FRGXX) is a massive institutional liquidity solution designed for corporations, financial intermediaries, and endowments seeking wholesale pricing and capital preservation.
投资策略与运作方式
Institutional Government Liquidity Strategy — Invests at least 99.5% of assets in cash, US government securities, and government repo agreements with a 60-day maximum average maturity, targeting an uninterrupted $1.00 NAV.
核心亮点与产品特征
- Maintains a stable $1.00 net asset value (NAV) per share
- Low 0.14% institutional net expense ratio
- Over $207 Billion in institutional portfolio assets
- Invests 99.5%+ in high-grade US government obligations
历史年化收益表现 (CAGR)
近3年年化
4.94% (Compound Yield)
近5年年化
3.29% (Compound Yield)
近10年年化
2.11% (Compound Yield)
业绩基准
Crane Institutional 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 Institutional Government 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 Equivalents (<1%)
行业板块分布
U.S. Treasury Debt 59.1%, Government Agency Repos 40.6%, Cash Equivalents 0.3%
风险特征与最大回撤
Near-zero NAV volatility seeking constant $1.00 share price.
Maintained unbroken $1.00 NAV throughout all market stress environments.
交易规则与税费说明
Dividends are taxable federally. Treasury portion is exempt from state and local income taxes.
哪些投资者不适合投资 Fidelity Institutional Government？
Retail investors seeking low minimums or multi-year wealth accumulation.
基金经理简介
Co-managed by Joe K. McHale, Eric S. Graham, and Stephanie Merritt of Fidelity Fixed Income.
适合哪些投资者？
Ideal for institutional treasury desks, corporate cash balances, and financial institutions seeking competitive wholesale government yields.
同类别及相关推荐基金
同类别备选基金
- Goldman Sachs FS Government Fund (FGTXX)
- JPMorgan US Government Money Market Fund (OGVXX)
- FDRXX - Fidelity Government Cash Reserves
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 Institutional Government
Fidelity Institutional Government 的历史定投回报表现如何？
根据交易所公开历史数据，Fidelity Institutional Government 近3年年化回报率为 4.94% (Compound Yield)，近5年年化为 3.29% (Compound Yield)，近10年年化为 2.11% (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 3.29% 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 $32,649，预期资产增值收益约为 $2,649。您可以使用上方计算器输入自定义金额与年份测试。
Fidelity Institutional Government 的前几大重仓资产包含哪些？
Fidelity Institutional Government 的核心重仓包括 U.S. Treasury Bills & Notes (~55-65%)、U.S. Government Agency Repurchase Agreements (~35-45%)、Cash Equivalents (<1%) 等知名标的。行业配置侧重于 U.S. Treasury Debt 59.1%, Government Agency Repos 40.6%, Cash Equivalents 0.3%。
Fidelity Institutional Government 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 Retail investors seeking low minimums or multi-year wealth accumulation.
投资该基金有哪些税费或交易成本？
Dividends are taxable federally. Treasury portion is exempt from state and local income taxes.
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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