Fidelity Strategic Advisers US Total Stock 定投收益计算器
测算 Fidelity Strategic Advisers US Total Stock 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
Total US Stock Market
资产规模 (AUM)
$265.13 Billion
管理费率 (Expense Ratio)
0.28%
基金经理
Strategic Advisers Multi-Manager Team
Fidelity Strategic Advisers US Total Stock 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 @ 23.4% CAGR | 5 年期 @ 13.6% CAGR | 10 年期 @ 14.7% CAGR |
|---|---|---|---|
| $100/月 | $5,250 累计投入: $3,600 | $8,621 累计投入: $6,000 | $27,272 累计投入: $12,000 |
| $250/月 | $13,125 累计投入: $9,000 | $21,552 累计投入: $15,000 | $68,181 累计投入: $30,000 |
| $500/月 | $26,251 累计投入: $18,000 | $43,104 累计投入: $30,000 | $136,361 累计投入: $60,000 |
| $1,000/月 | $52,501 累计投入: $36,000 | $86,208 累计投入: $60,000 | $272,722 累计投入: $120,000 |
| $2,500/月 | $131,254 累计投入: $90,000 | $215,520 累计投入: $150,000 | $681,805 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 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.
投资策略与运作方式
Multi-Manager Hybrid Strategy — 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.
核心亮点与产品特征
- 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
历史年化收益表现 (CAGR)
近3年年化
23.4%
近5年年化
13.59%
近10年年化
14.65%
业绩基准
Dow Jones US Total Stock Market TR USD Index
Historical annualized returns as of August 2026. Past performance does not guarantee future results.
前五大核心持仓与行业分布
根据最新公开披露，Fidelity Strategic Advisers US Total Stock 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)
- Alphabet Inc. (GOOGL)
行业板块分布
Information Technology 31.8%, Financials 13.0%, Healthcare 11.6%, Consumer Discretionary 10.3%, Industrials 9.1%, Communication Services 8.7%, Others 15.5%
风险特征与最大回撤
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.
交易规则与税费说明
Annual capital gain distributions may occur due to active manager reallocation. Tax-advantaged accounts (IRAs/401ks) provide optimal shielding.
哪些投资者不适合投资 Fidelity Strategic Advisers US Total Stock？
Self-directed index purists seeking zero active management or sub-0.05% expense ratios.
基金经理简介
Managed by Fidelity Strategic Advisers LLC, overseeing multi-asset and multi-manager institutional strategies.
适合哪些投资者？
Designed primarily for Fidelity Wealth Services, managed accounts, and advised clients seeking an all-in-one multi-manager domestic equity engine.
同类别及相关推荐基金
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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 Strategic Advisers US Total Stock
Fidelity Strategic Advisers US Total Stock 的历史定投回报表现如何？
根据交易所公开历史数据，Fidelity Strategic Advisers US Total Stock 近3年年化回报率为 23.4%，近5年年化为 13.59%，近10年年化为 14.65%。 Historical annualized returns as of August 2026. Past performance does not guarantee future results.
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 13.59% 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 $43,104，预期资产增值收益约为 $13,104。您可以使用上方计算器输入自定义金额与年份测试。
Fidelity Strategic Advisers US Total Stock 的前几大重仓资产包含哪些？
Fidelity Strategic Advisers US Total Stock 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 31.8%, Financials 13.0%, Healthcare 11.6%, Consumer Discretionary 10.3%, Industrials 9.1%, Communication Services 8.7%, Others 15.5%。
Fidelity Strategic Advisers US Total Stock 的投资风险等级如何？
Standard deviation is ~15.1% over 3 years, closely tracking broad domestic equity markets. 本基金可能不适合 Self-directed index purists seeking zero active management or sub-0.05% expense ratios.
投资该基金有哪些税费或交易成本？
Annual capital gain distributions may occur due to active manager reallocation. Tax-advantaged accounts (IRAs/401ks) provide optimal shielding.
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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