Fidelity ZERO Large Cap (FNILX) 定投收益计算器
测算 Fidelity ZERO Large Cap (FNILX) 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)
$19.35 Billion
管理费率 (Expense Ratio)
0.00%
基金经理
Geode Capital Management
Fidelity ZERO Large Cap (FNILX) 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 @ 23.1% CAGR | 5 年期 @ 13.6% CAGR | 10 年期 @ 2018.0% CAGR |
|---|---|---|---|
| $100/月 | $5,224 累计投入: $3,600 | $8,611 累计投入: $6,000 | $408,545,210,697,840,000,000,000,000,000,000,000,000,000,000,000,000,000 累计投入: $12,000 |
| $250/月 | $13,059 累计投入: $9,000 | $21,528 累计投入: $15,000 | $1,021,363,026,744,600,000,000,000,000,000,000,000,000,000,000,000,000,000 累计投入: $30,000 |
| $500/月 | $26,119 累计投入: $18,000 | $43,056 累计投入: $30,000 | $2,042,726,053,489,200,000,000,000,000,000,000,000,000,000,000,000,000,000 累计投入: $60,000 |
| $1,000/月 | $52,237 累计投入: $36,000 | $86,112 累计投入: $60,000 | $4,085,452,106,978,400,000,000,000,000,000,000,000,000,000,000,000,000,000 累计投入: $120,000 |
| $2,500/月 | $130,594 累计投入: $90,000 | $215,279 累计投入: $150,000 | $10,213,630,267,446,000,000,000,000,000,000,000,000,000,000,000,000,000,000 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 ZERO Large Cap Index Fund
Fidelity ZERO Large Cap Index Fund (FNILX) is a groundbreaking zero-expense-ratio mutual fund. Designed as a cornerstone equity holding for Fidelity retail accounts, FNILX tracks the 500 largest US companies with literally zero management fees.
投资策略与运作方式
Passive Zero-Fee Indexing — Replicates the performance of the Fidelity U.S. Large Cap Index, investing across approximately 500 of the largest publicly traded corporations in the United States weighted by market capitalization.
核心亮点与产品特征
- Industry-pioneering 0.00% expense ratio — absolutely zero management fees
- Zero minimum investment requirement ($0 initial minimum)
- Tracks ~500 leading US corporations matching S&P 500 performance
- Over $18.7 Billion in assets under management
历史年化收益表现 (CAGR)
近3年年化
23.1%
近5年年化
13.55%
近10年年化
N/A (Inception 2018)
业绩基准
Fidelity U.S. Large Cap Index
Historical annualized returns as of August 2026. Past performance is no guarantee of future results.
前五大核心持仓与行业分布
根据最新公开披露，Fidelity ZERO Large Cap (FNILX) 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%, Others 15.8%
风险特征与最大回撤
Standard deviation is ~15.0% matching broad large-cap equity markets.
Experienced -33.9% drawdown in early 2020 and -23.9% in 2022.
交易规则与税费说明
Minimal capital gain distributions; optimal in tax-sheltered IRA and HSA accounts.
哪些投资者不适合投资 Fidelity ZERO Large Cap (FNILX)？
Investors who frequently transfer accounts between competing brokerage platforms.
基金经理简介
Sub-advised by Geode Capital Management, Fidelity's institutional indexing partner.
适合哪些投资者？
Ideal for Fidelity IRA, HSA, and retail brokerage account holders seeking true zero-cost large-cap core equity exposure.
同类别及相关推荐基金
同类别备选基金
- Fidelity 500 Index Fund (FXAIX)
- BNY Mellon US Large Cap Core ETF (BKLC)
- Schwab S&P 500 Index Fund (SWPPX)
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 ZERO Large Cap (FNILX)
Fidelity ZERO Large Cap (FNILX) 的历史定投回报表现如何？
根据交易所公开历史数据，Fidelity ZERO Large Cap (FNILX) 近3年年化回报率为 23.1%，近5年年化为 13.55%，近10年年化为 N/A (Inception 2018)。 Historical annualized returns as of August 2026. Past performance is no guarantee of 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 13.55% 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 $43,056，预期资产增值收益约为 $13,056。您可以使用上方计算器输入自定义金额与年份测试。
Fidelity ZERO Large Cap (FNILX) 的前几大重仓资产包含哪些？
Fidelity ZERO Large Cap (FNILX) 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%, Others 15.8%。
Fidelity ZERO Large Cap (FNILX) 的投资风险等级如何？
Standard deviation is ~15.0% matching broad large-cap equity markets. 本基金可能不适合 Investors who frequently transfer accounts between competing brokerage platforms.
投资该基金有哪些税费或交易成本？
Minimal capital gain distributions; optimal in tax-sheltered IRA and HSA accounts.
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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