Fzilx vs vxus VXUS comparisons: including fees, performance, dividend yield, holdings and technical indicators to make a better investment decision. FZROX Dividend Yield In other words, VTIAX and VXUS are not two funds pursuing an identical strategy; they are the same fund! Historical Performance: VTIAX vs VXUS. That same site I have been reading from a lot lately also noted that "VT and chill" is a valid approach for anyone who wants broad stock / equity diversity but also values the Bogle / Buffet idea of just taking a VXUS has around 7,500 stock holdings and FZILX has around 2,000 if that means anything to you. The general advice is to use funds portable to any brokerage in a taxable account so that selling (and incurring taxable I just got my first job that offers a 401k at age 26. Over the past 10 years, ACWX has underperformed VXUS with an annualized return of 4. Is there an 'optimal' time to swap my FZROX/FZILX for VTI/VXUS? Discussion I have a chunk of my taxable portfolio in FZROX and FZILX. Old. Learn about the two, Which is better Buy vs Sell -VXUS + AVDV (would do about 80-90% VXUS + 10-20% AVDV) or -FZILX + AVDV (FZILX has 0% fees and very similar allocation/performance to VXUS) or -AVIV 27% + AVDE 27% + AVES 20% + AVEM 15% + AVDV 11% (Higher fees as they are all Avantis funds. 01% ER difference is relevant to you, you might want to consider FZILX with its 0% ER if available to you. If holding VTI + VXUS near market-cap weights like VT, there'll be no difference on either of these at the portfolio level. The expense ratio seems to add up over the long haul, and I don't understand how important the tax benefits actually are. MFEKX vs FXAIX - Advise appreciated Hello, My 401k options are fairly limited unfortunately. Even though they're from different brokerages, they track the same index and the percentage of holdings is similar enough to potentially be a concern. This is such a tiny amount though ($1. 00 2,500 stocks You can’t predict which will have better returns going forward based on past returns. If it's a tax-advantaged account (like an IRA or 401K), then go ahead and sell them; use the money to buy more VTI and VXUS. I am 24 years old and I don't want any bonds right now. FZROX. I have shares of SCHD and VTI/SPLG and I want to cover international stocks as well. These are pretty much the same as the vanguard equivalents, and I decided I'd prefer holding the vanguard ones due to quarterly dividends compared to once a year and portability between brokers. Just starting out with my 401k so I don't Which money market option is better. 07. replace maybe but dont hold both Hey everyone, I invested in VXUS to diversify my portfolio, but it seems to significantly underperform compared to my other picks. But this doesn't affect the fund's overall fzilx is "identical" to vxus, the differences is one is managed by fidelity and one is managed by vanguard; and also one is a mutual fund and one is an ETF. 35%. FNILX - Expense Ratio Comparison FZROX has a 0. S. fxaix fzilx vs. The chart below compares the historical Sharpe Ratios of FTIHX and FZILX, offering insights into how both investments have performed under varying market conditions. FZILX, FNILX, FZILX), not anything else like FSKAX and FTIHX. Review and Compare FZILX, VT and VXUS. I'm trying to follow a 60/40 allocation between US/INTL and will adjust to follow VT's allocation. 04% expense ratio, which is lower than VXUS's 0. I am trying to pick between these 3 choices for my Roth IRA in Fidelity. My 2 bond options are VBTLX (. The focus of this chat is first on . Duckie Posts: 9948 VXUS, VEU, and IXUS are total international stock ETFs. It has a 0. 28%, VTIAX 41. If you are comfortable with the sampling method rather than owning the whole index as a way to lower fees, and this is not in a taxable account, then you may want to consider FZILX which has about the same number of holdings as FSGGX (~2,500). It’s literally just the luck of one diversified index fund vs another slightly different diversified index fund. 11 and today it is 0. VT vs VTI/VXUS vs FZROX/FZILX in Roth IRA Performance Comparison of FXAIX vs. 07%, but is there a complement that brings in developed markets at a low ER? I noticed FZILX (Fidelity ZERO® International Index Fund) shows a 0. Thinking of going with one of these 3 index funds. ftihx fzilx vs. VXUS: 0. 4%) and cell towers (15. I want to start adding to my roth ira account. It has about 3500 holdings vs 2500 holdings. 127 * 121. Slightly off topic, are there any advantages in using a Vanguard account to trade Vanguard ETFs vs any other brokerage account used to trade Vanguard ETFs? We would like to show you a description here but the site won’t allow us. FZILX is managed by Fidelity. True to their name, these mutual funds have a 0% expense ratio. 97% return. 05% ER + $20 service fee/yr) or FTKFX (. But saying it’s irrational to not buy FZROX over something like VTI is well, irrational. I currently just opened a Roth IRA and invested 100% of my contributions to FXAIX so far. whichever ones is for FZILX, please tell me VXUS. There are a lot of ratios about thisP/E, CAPE, etc. VXUS, BND, BNDX and VNQ - covers total US market, total international market, US bonds, international bonds and US real estate; all of them Get the latest FZILX - FIDELITY ZERO INTERNATIONAL INDEX FUND quote information including top holdings and analyst ratings. It'll save you a few dollars each year if you have In tax advantaged accounts, ETF vs mutual fund is entirely personal preference. 3% vs. I am a little new to this so any advice is helpful! Investing in VTIAX/VXUS in taxable accounts Get (and give!) advice on investment portfolios and financial planning goals for retirement (401k, Roth, IRA, HSA) and taxable investing accounts, particularly stock and bond mutual funds and ETFs - learn tips for tax efficiency and other account optimization strategies. 07% expense ratio. FZILX is a good choice for an international stock index fund with its no expense ratio, and if you prefer to have all of your holdings in no expense ratio funds, it may be worth considering selling FTIHX and buying FZILX instead. There's a similar concern with the Int'l Stock Index if you hold VXUS in taxable and FZILX tax-advantaged accounts. If you really want to purchase mutual funds then buy the regular Fidelity index ones. I heard from previous forum posts that while the US no fee fund was not doing as well as its FZILX vs. 03 vs 0. On just about every measure the US market is ridiculously expensive and international is cheaper. Would investing in something like SCHE and then purchasing individual country ETFs be a viable alternative to investing in VXUS or IXUS? VT vs FZROX & FZILX in a non tax sheltered Fidelity account . Top 2% But the FZILX vs VXUS over 30 year difference would be ~14% higher in VXUS' favor that's something but you don't know which will outperform over the next 30 years. 1000 Performance The chart shows the growth of an initial investment of $10,000 in Fidelity ZERO International Index Fund , comparing it to the performance of the S&P 500 index or another benchmark. 00 expense ratios to consider as well. 10% of FTIHX consists of small companies which are not present in FZILX. 11% expense ratio, which is by far the biggest expense ratio in my portfolio. 00 vs. Thank you for choosing to invest with us. So here are my questions: Is it concerning that the ZERO funds only "sample" the total stock market and thereby omit a huge percentage of stocks? FNILX vs. These funds have traded off years of outperformance. Cost is one of the biggest differences between the two. Last I checked, VT was a 60/40 split. 2%. 97% and VVIAX gave 9. Most online tools are kind of dumb for comparing returns because (a) they are not good about selecting the same timeframe -- FZILX has not existed for 5 years so you are only seeing its return since its inception and comparing it FSPSX return for 5 years and (b) they nearly always ignore dividends -- though that's not the problem in your specific case. That means it more smoothly tracks micro and small cap stocks. An allocation of 90:10 FZILX:VSS will bring that difference down to about 0. People who are using international small funds (or SCV funds) are doing so in FSKAX/FTUHX vs VTI/VXUS vs FXAIX? Investing Questions What's preferred and why? Archived post. More posts you may like r/fidelityinvestments. 84%. Add FTIHX or FZILX to either FSKAX or FZROX. fzrox fzilx vs. SPY - Risk-Adjusted Performance Comparison This table presents a comparison of risk-adjusted performance metrics for Fidelity ZERO Large Cap Index Fund (FNILX) and SPDR S&P 500 ETF (SPY). r/singaporefi. VSS is a small and mid-cap international (mostly developed with some emerging exposure) fund, not an emerging market fund. With 2,418 holdings and no small-cap stocks, it sneakily allocates 8. Of course you have the . The difference is even more profound for FZILX, the international fund (country allocations are even significantly different). So if A, not B is successful, it will make more than FSKAX and vice versa. 93% vs. 06% ER; VXUS: 8616 stocks, . It pairs with FZILX at roughly 9:1 FZILX/VSS or so to get the small caps that FZILX skips out on to mimic a total international fund like VXUS. VTIAX - Expense Ratio Comparison FTIHX has a 0. fxnax fzilx vs. I’m 65 with some money in my Fidelity rollover IRA. That's the best option right now. ER difference a little more on this one. I personally like fskax and ftihx better than fzrox FZILX - you could invest in VXUS / IXUS If you didn't want to think about US / ex-US you could sell both and invest in VT That said, a few considerations: Are you maximizing your tax-advantaged investment space? For many people, investing in taxable before filling up 401K / 403B / 457, IRA, HSA space is not adviseable, unless your taxable There's a third option of using their zero-fee options: FZROX + FZILX. Pros/Cons? Thoughts? Or other mutual funds I should consider? Any advice would be greatly appreciated. 035) - Fidelity International Index Fund FSGGX (0. ETFs (and some Vanguard mutual funds) are more tax efficient than mutual funds for now, due to the way they have to handle capital gains internal to the fund. 00% expense ratio, which is lower than FTIHX's 0. Moving along, there's the beloved FZILX, the Fidelity ZERO International Index Fund. My goal is to pour into index funds throughout my career with a retirement in my 60s. FSPSX and FZILX are the same thing, but internationally. Based on this page, about 95% of VTI's 2021 dividends were qualified, vs. 11% return, which is significantly higher than VXUS's 0. What is the real cost diff with using the Vanguard ETF's in Fidelity vs using Fidelity's own (and confusing) FZROX/FSKAX and FZILX/FTIHX? I want the portability. I don’t want to invest in VXUS or IXUS because I don’t want to have any money in Nestle. Compare Charts, Fundamental and Technical Ratings. fskax) there are some difference with the international funds if you broker with fidelity, use FZROX / FZILX Reply reply FSPSX vs. Reply reply WingsFan4Life • Stay the course. It’s offset by VXUS’s higher non-qualified dividend rate, and probably the higher dividend yield—north of 2. Since I'm using a Roth Other variations on above include ETF vs non-ETF and zero fee vs non-zero fee. FXAIX vs FZROX vs FSKAX . 3%). I plan on investing more into the international market as per the advice frequently given in this sub. I’m young and new to all of this. 22 (+1. I would use FTIHX in a tax advantaged accounts and VXUS or IXUS in a taxable account. 89. New. Portability only matters inside "taxable" accounts, which a 401K is not (it is a tax advantaged account). There is some overlap, as VXUS is 25% emerging markets too. FSKAX would buy 1 penny of tiny stock A and 1 penny of tiny stock B. VXUS - Expense Ratio Comparison FTIHX has a 0. FZILX is kind of a middle ground on holdings: no expense ratio at all with about half as many holdings as FTIHX (and thus about double FSPSX), it does cover both developed and FTIHX vs. Below graph shows the growth of $1000 in past 10 years. A comparison between Fidelity ZERO International Index Fund ($FZILX) and Vanguard Total International Stock Index Fund ETF Shares ($VXUS) based on their expense ratio, growth, Fidelity wrote:FZILX (0. If not, then consider the tax implications and if you want to lock in your capital gains/losses this year. Q&A. If it's in taxable, you get your share of those taxes reported on your 1099-DIV, and you can claim a credit for them. ratio but the AUM in VXUS is higher. snailderby Posts: 1421 How To Invest / Fund Directory / Fidelity ZERO International Index Fund vs Vanguard Total International Stock Index Fund ETF Shares . FZILX vs. Frustratingly, the Fidelity 401k doesn't offer Fidelity's own zero fee funds like FZROX and FZILX. 04% expense ratio. That's about 2 basis points in 2019. ETFs in general are better if you might move brokerages. You should also consider the 0 cost funds can’t be transferred to other brokerages. Bbddl Posts: 142 Joined: Sat Jun 17, 2017 6:28 pm. 3 bps on the ER is meaningless to me, with securities lending and the structure of the different indexes/funds the performance could be a toss up year to year with little difference either way. 1% vxus's turnover rate is 2. 42 (0. So vxus's portfolio is "cheaper" so might have higher "expected" returns. A comparison between FZILX and VXUS based on their expense ratio, growth, holdings and how well they match their benchmark performance. With the global economy continually advancing, investors have an increasing array Should I go all in on FZROX for my HSA or should I consider FZROX/FZILX or VTI/VXUS or FSKAX/FTIHX for my HSA? My Roth IRA is VBTLX 4. $25k all in VOO. I chose FZILX for my international allocation, but it's just preference. Or perhaps some other index fund. Index Net Return FZILX is int, and FZROX is US. morpheus1958 I use fidelity for my ira so I buy what I believe to be Fidelity’s equivalents of vti/vxus/bnd which are fzrox/fzilx/fxnax Reply reply VanillaSkittlez • Yep, same exact idea - doesn’t really matter who you go with (although Fidelity might have slightly higher expense ratios, but it’s fairly trivial in the scheme of things). VXUS: Which one over long time horizon (40+ years) and why? Main differences I could find were expense ratio (0. 36%, while VXUS has yielded a comparatively lower 5. VXUS - Expense Ratio Comparison. Controversial. [VXUS, Vanguard's international ETF is out of consideration. VXUS. 08) and dividend yield (2. Currently I have approx. Compare VXUS and FZILX ETFs on current and historical performance, AUM, flows, holdings, costs, ESG ratings, and many other metrics. 05% VWO 0. The expense ratio difference of 0. VXUS: Vanguard: Total International Stock ETF: Extremely Similar VEU: Vanguard So, I'm sticking with widely available / liquid ETFs like VTI instead of FZROX or VXUS (or a combo of VEA and VWO) instead of FZILX. Don't sell anything you already own and have a capital gain in. Re: Quandry VXUS vs new No-Fee Fidelity Fund. Investing Questions Which would you guys consider to be the better investment? FSPSX does have a lower exp. Best. 31 in tax on $10,000. say Schwab. I’m saying you should analyze whether the turnover in a zero cost mutual fund makes sense vs other funds like fxaix for example. It looks like FSGGX hasn't paid out any capital gains for a few years, so it's tax efficiency may not be much, if any, worse if that stays true. 7% vs 7. 85% but VXUS is up 1. If you are planning to trade these instruments, check Outlook charts and News, Long and Short term analysis based on Technical and Fundamental data This is how VTI and VXUS stack up in a returns analysis. 06% expense ratio. 0. VTI and VXUS vs FZROX/FSKAX and FZILX/FTIHX (in Fidelity) Awesome thank you, Do you think I should do 80% VTI and 20%VXUS. about 65% for VXUS. 0 ER, cash holdings 6. I just opened a Roth IRA with Fidelity, not sure which of these funds to put my money into. After reading some of the insightful responses, I realize that the better question is likely VTI vs VT vs VTI/VXUS (and at what ratio). They are basically identical, the difference being that FTIHX follows the MSCI ACWI index, whereas FZILX uses Fidelity's proprietary index. comments. Scroll down to visually compare performance, riskiness, drawdowns, and other indicators and decide which better suits your portfolio: VXUS or FZILX. In an IRA at Fidelity, I'd suggest FZROX and FZILX. The Freedom fund uses a similar principle to above, but adjusts to lower variance/risk as you near retirement. VXUS? I may consider investing in those as well. FZILX doesn't include small caps, so a better comparable is VEU/VFWAX. Choosing VT vs FZROX/FZILX vs FXAIX Welcome back, u/nexusultra. My traditional (for now) 457b is TDF Blackrock LifePath Index 2040 L that has 0. FZROX would buy 2 pennies of tiny stock A only. Over the last year, FTIHX has had an average annual return of -23. My 401k is through Empower. New comments cannot be posted and votes cannot be cast. FSPSX has a 0. I use them in my Roth IRA and HSA, roughly in 60/40 proportion (albeit with some factor tilts on the side). Capitalization N Shares represent ownership of future profits. FTIHX vs. Over the past 10 years, VWILX has outperformed VXUS with an annualized return of 6. I need a help in selecting in these two options. XLRE also has a higher exposure to data centers (13. Learn about budgeting How To Invest / Fund Directory / Fidelity® Total International Index Fund vs Vanguard Total International Stock Index Fund ETF Shares . So, I just hold IXUS and FZILX. VXUS (till 10/23) IXUS VEU What's next in low ER international? I see IShares Core MSCI EAFE ETF (IEFA) at only . The difference here is probably small. A comparison between FTIHX and VXUS based on their expense ratio, growth, holdings and how well they match their benchmark performance. r/fiaustralia. I posted here yesterday and I think I have myself narrowed down to 65% domestic stock and 35% international stock. the good ol' Fidelity 500 Index Fund. ETFs: VXUS, VEU, IXUS Mutual Funds: VTIAX, VFWAX, FTIHX, FZILX, FSSGX Developed Markets ETFs: VEA, IEFA, EFA, IDEV, SCHF, SPDW Mutual Funds: VTMGX, SWISX, FSPSX Emerging Markets ETFs: VWO, IEMG, SCHE, SPEM Mutual Funds: FPADX Low vs High Yield: It seems that owning low yield growth funds in a taxable account could reduce the The current FDEV Sharpe Ratio is 0. Here's what is available: FID 500 INDEX (FXAIX) FID GROWTH CO K6 (FGKFX) FID OTC K6 (FOKFX) I'd place it behind FTIHX, FZILX, and FSGGX, as all cover both developed and emerging markets and have far more holdings. 33) Share Add a Comment. American Funds Europacific Growth A Bogleheads are passive investors who follow Jack Bogle's simple but powerful message to diversify with low-cost index funds and let compounding grow wealth. That would have been $15. FTIHX vs VXUS Fund Comparison . Fzrox and fzilx vs vt would be better question. 88%, VTSAX 53. Check out the side-by-side comparison table of IXUS vs. FSPSX: How Do They Compare (2023) FTIHX vs. 00% expense ratio, which is lower than FSPSX's 0. No bonds since both those accounts are designated for many FZILX is fine. Add your thoughts and get the conversation going. 5% in FSGGX (Fidelity international index) Er 0. It's largely the same holdings with similar results overall, but I plan to stick with Fidelity long-term and the 0% expense ratio swayed me to pick those two index funds vs. it’s an easy move with an ETF vs a Fidelity mutual fund. However, there is a large disparity in CAGR (VXUS 3. This is due to the capital gains tax hit that The current FTIHX Sharpe Ratio is 0. Yes, FZROX + FZILX. 11% than the FTIHX fund, which has an expense ratio of just 0. Overall the difference is probably inconsequential, though. There is no cost to investing in FZILX, whereas, with VXUS, you’ll be paying $7 to Vanguard per $10,000 invested. In starts out with primarily index funds that balance US total market with international total market, then adds on an increasingly large portion of bonds VXUS or SCHF are good choices, but look at the assets they hold vs FZILX, they may approximate, but there could be substantial differences. Want to Roll Over Current Index Funds into FZROX/FZILX - Thoughts? comments. FSGGX vs. both are minor differences FZROX is identical to VTI; so like before no reason to ADD it to a portfolio with fxaix. More posts you may like r/FinancialPlanning. VUSXX has remained 0. r/Bogleheads. We hold VXUS in taxable, and FTIHX in one 401k. FSKAX & FTIHX vs VTI & VXUS? comments. VTI and FZILX vs. I use and like FZROX myself, but that's in combination with another fund for international coverage. I’ve had 70% FZROX and 30% FZILX in my ROTH IRA for the past 2 years and I don’t fully understand why I have these two funds specifically. The other 401k only offers FSPSX as an international index fund. past couple of up days it seemed like VXUS beats FZILX hands down, for an example today FZILX only up 0. 06% expense ratio, which is lower than VXUS's 0. I actually have most of my portfolio in it along with FZILX. 08% Assuming you hold replicate VXUS with 75% VEA and 25% VWO you end up with a net expense ratio of 0. 0575%. The other choice is between VT and a 60/40 split between FZROX and FZILX. These two are significantly different from each other. 65%) Volume N/A. VXUS CAGR is 3. I'll be sure to provide you with some resources about this. Reply reply Taxable Account VTI 57% VXUS 43% Invest in it once you have max out the Roth. The benefit of FTC in holding VTI + VXUS is a wash compared to VT. Thus, their risk-adjusted return has been identical: VXUS provides global coverage with emerging markets and has small caps included, which VEU doesn't. Posted by u/Careless-Grape-2760 - No votes and 4 comments FZILX - large cap developed international, large cap emerging markets, stricter criteria with less China then MSCI index at 8. 00% expense ratio. Add a Comment. I know vanguard has some that either focus on emerging markets or developed. ; When it comes to total net assets, VTIAX is a giant with more than 453 billion under its management. If you ever decide to move your IRA to a new company, sell the Zero funds, move to new brokerage, buy their version or just buy VT and call it a day. I'm guessing that is mostly so Fido doesn't have to pay licensing fees to the index creator. Reply reply Top 2% Rank by size . FZILX is much closer to FSGGX. I don't understand the difference between the zero index funds vs. How To Invest / Fund Directory / Fidelity ZERO International Index Fund vs iShares Core MSCI Total International Stock ETF . 2% vwilx's turnover rate is 25. The SEC rates also fluctuate favoring one or the other by a couple of basis points. 91% top 10, 2316 holdings, 0. Despite the difference, both funds are considered low-cost compared to the broader market, where average expense ratios usually range from 0. 47% vs 3. For those that went with AVUV and AVDV, what made you choose them over alternatives? Put all your IRA money in FZROX and FZILX. Since that time, performance has been identical: 3. 21%. My Roth and brokerage accounts are VTI and VXUS. VOO - ETF of S&P 500 with a small dividend and expense ratio. FSPSX vs. FZILX should perform about as well as VXUS. Reply reply cryptoripto123 • Other examples would be VTWAX/VT and VTIAX/VXUS. 09% ER with VXUS. 9% price to book and price to earnings is lower for vxus than vwilx. 08 vs . Comparison FZILX vs VXUS. Note that it lacks small-cap exposure; you could pair with a small allocation to VSS to fill that gap if desired. 71% return, which is significantly higher than VXUS's 0. The expense ratio delta with the corresponding Vanguard ETF is way more significant in this case, so maybe not entirely applicable, but it seems to do the job at least as good as VXUS. ftihx, fspsx or fzilx I’m 23(f) and planning to go back to go to graduate school so I won’t be making income for ~2 years. No matter where you hold it, you'll get a $6 distribution. My taxable accounts are in VTSAX. It’s not the same exact index but is still meant to perform the same and has no fee at all. Jack founded Vanguard and pioneered indexed mutual funds. 25 per $10,000 invested) that IMO it's not worth doing just to save money. e. Meanwhile, the total net assets of How do you compare FZROX vs. 08%) and it covers the total international stock, while VWO covers only emerging markets. set-forget is the worst approach to investing, always keep ur eyes open, even at 27 with a long runway. VT+BNDW vs FZROX+FZILX+FXNAX . Also, dividends will usually pay quarterly on the popular ETF’s, the Fidelity zero funds pay annually. 5% less to emerging markets than FTIHX does (25. Use an ETF like VEU/VXUS/IXUS instead (or a Vanguard mutual fund like VFWAX/VTIAX) for better tax efficiency. vti fzilx vs. To compensate, often VGE and/or VISM is matched with VEU for adding emerging markets/small caps, which adds an additional ETFs to the mix. FTIHX - Expense Ratio Comparison FZILX has a 0. Change +$0. The ZERO International Index Fund fund, symbol FZILX, is an exchange traded fund (ETF) within the Fidelity family. The ZERO funds have done better in the last few years, but this is not guaranteed to continue. maybe 80/20? Us/int or 70/30? Us/int, Add in Bonds later? Your age? Anonymoose2021 • I agree for a retirement account, but in a taxable account VTI and VXUS ETFs would be better as they are less likely than the mutual funds to have a capital gains distribution on which you must pay taxes. 17% annualized return. Is there any considerable downside to holding VOO instead of VTI in this case, as VTI + VXUS seems to be the most common pair of ETFs. VTI has 11. r/personalfinance. r/fidelityinvestments. From IXUS's inception in 2012 through 2021, VXUS has slightly beaten it on return but with slightly greater volatility and a larger max drawdown. Fidelity 401k Vanguard index trust funds vs VTI/VXUS . VTI/VXUS Schwab would need a 3rd ETF as their international doesn't include Emerging markets. FSPSX: How Do They Compare (2023) October 19, 2024 March 8, 2023 by Diego. FZILX - Expense Ratio Comparison FZROX has a 0. 3. which is why the questions I ask myself are usually VT vs VTI 😅 I just meant that my risk tolerance was marginally higher to the point of being comfortable investing 100% in a single country. Post by slick_dealer_05 » Sat Dec 14, 2019 4:58 pm. 04% expense ratio, which is higher than FZILX's 0. 22 percent Federal tax bracket. We would like to show you a description here but the site won’t allow us. Both employers use fidelity for 401k. ucla-engineer Posts: 62 Joined: Wed Apr 26, 2017 5:01 Hi all. VTI 11. 100% VT for the 'advantage' of not needing to rebalance my portfolio. VT for that account. If VXUS is in an IRA, you'll get the net dividends distributed after tax. 6% vs 6. VXUS . 12% Are you sure you don’t want to switch back? The OP's funds are in a taxable account. 14% annually since inception and FZILX has beaten VXUS by 0. What kind of percentage allocation do you recommend if I were to do all three? Reply reply More replies. Why are they offering a zero expense version of the same thing? My portfolio is liiike 75% FNILX with the remainder being FXAIX and FZILX. Not a lot of difference -- $10 for $10,000 2) FZILX is much smaller and newer, and follows a custom Fido Index. I'm NOT risk-adverse. In general, it doesn't matter much as the difference between FZROX/FZILX and VTI/VXUS is negligible. As of 1/15/2024, FXAIX has a one year annualized return of 26. 9% vxus's foreign holdings is 98. fwwfx fzilx vs. FTIHX is unique in many respects to either. deciding on 80/20 VTI/VXUS OR 80/20 FZROX/FZILX. fzroz. Jack Bogle suggested a 20% ceiling on international investments for a US-based investor. 4%), which I think are more resilient and profitable segments of the real estate sector. VXUS appears to be newer, price series data is only available for the last 2 years. com. Discuss and ask questions about personal finances, budgeting, income FSKAX vs FZROX and FTIHX vs FZILX. Every single time this has happened in the past it’s meant a big fall for the expensive stocks and a decade or multi decade period where the inexpensive markets do better. IXUS – Historical Performance. CletusCaddy wrote: ↑ Fri Mar 10, 2023 3:12 am FZROX has beaten VTI by 0. FZILX's lack of portability is just another reason to avoid it in a My taxable (Schwab) is 100% VT through bi-weekly DCA, but my Roth IRA (Fidelity) is 75% FZROX / 25% FZILX. By looking 10 YR returns, VIGAX have 13. 11% expense ratio. By the way, at one time VTIAX/VXUS actually followed the same index as Fidelity, the MSCI ACWI ex-US IMI. For what it's worth, I hold FZILX in my Fidelity IRA. 06% expense ratio, which is lower than VTIAX's 0. WD Ultrastar 12tb vs Seagate Exos x18/x16 16tb comments. I prefer an index that has both, cap weighted. VXUS has a slightly lower expense ratio (0. 30% ER). But you can use ETFs in the future if you choose, for reduced costs, and portability. FZILX: 2273 stocks, 0% ER; FTIHX: 5092 stocks, . ] Considerations: 1) FZILX has 0% expenses, IXUS 0. As for the international percentage, somewhere around 25-30% of your stock portfolio is sort of a middle ground. I remember because I am doing VTI and VXUS in my brokerage and Roth IRA. FZILX. A congregation of like minded people who shares how to reach closer to being financially secure, independent, how policies affect our ability to reach FI and different ways to manage our wealth for it. Coupled with no transaction fees, this What are the benefits of being in VXUS for a taxable account vs. Just wondering if I should go with a regular all market portfolio like VT+BNDW or buy their equivalent zero cost funds like FZROX, FZILX and FXNAX? For a taxable account I would go with an ETF Like VTI+VXUS or something. Thanks!! VOO vs VFIAX vs FNILX Hey everyone, just wanted to double check my understanding of the differences of the above products, and to see which y’all recommend. Gotcha, and when comparing it to FZROX/FZILX? Reply reply Buying today vs tomorrow may matter more over a 10 year period. 98% vs 28. I live in Maryland, 8 percent state tax. 06% expense ratio, which is lower than FTIHX's 0. 06%. The total return performance including dividends is crucial to consider when analyzing different investment funds. Roth? Reply reply More replies. Basically: Lower expense of FXAIX vs more "tax friendly" VOO ETF. Most optimal split with FZROX and FZILX? Home » FTIHX vs. I see you are experiencing some market volatility. 09% ER. Little differences don't bother me such as 3 day waiting with TLH for ETFs or non-portability of the Fidelity 0% funds. Bogleheads are passive investors who follow Jack Bogle's simple but powerful message to diversify with low-cost index funds and let compounding grow wealth. VOO + VXUS vs VT alone leads to 139 (VOO)+7 (VXUS) million pesos vs 62 (VT) million pesos after 37 years comments vxus's benchmark is FTSE Global All Cap ex US Index (Benchmark) vwilx's foreign holdings is 80. Welcome to the Australian version of r/financialindependence, a place created for Australians to discuss the concepts of financial independence (FI) and retiring early (RE). Price $14. 59% vs 11. Investing Questions but ETF's like VTI and VXUS would probably be more tax-efficient(and easier to transfer without fees). 20 (+1. Reply reply More replies More replies. Index funds should be pretty tax efficient already, but ETFs (and certain Vanguard mutual funds) take it a bit further. 015 is 1. r/FinancialPlanning. ; VTIAX pays dividends on a quarterly basis. Since I'm investing in my Roth IRA in FXAIX and FZILX, I’m looking to diversify my portfolio by adding safer assets like TIPS or I Bonds. 06%, while FZILX has no fee at all. VTIAX was launched on November 29, 2010 and VXUS was launched a few months later on January 26, 2011. Share Sort by: Best. 45, which is comparable to the FZILX Sharpe Ratio of 0. . What do you think? Bogleheads are passive investors who follow Jack Bogle's simple but powerful message to diversify with low-cost index funds and let compounding grow wealth. Multiply that by a 15% capital gains tax and that amounts to $2. Given that the benefits of a small cap value tilt could potentially take decades to materialize, it seems like longevity might be a more relevant factor to consider than for someone who's just thinking about their VTI to VXUS proportion. 00) - Fidelity ZERO International Index Fund FSPSX (0. I don't see a reason to use FXAIX instead of FNILX when they're both going to be 99% the same over Open Charts FTIHX vs FZILX vs VXUS FTIHX. fspsx fzilx vs. azianbob wrote: Fri Jan 25, 2019 10:03 pm I have almost all of my international portion of the portfolio in VXUS, which is Vanguard total international (mutual fund equivilent VTIAX). FZILX is 8% overweight large and is 4% underweight mid and small each. I'm seeking a more aggressive growth pathway, VT vs VTI/VXUS vs FZROX/FZILX in Roth IRA upvotes In the year-to-date period, VWILX achieves a 2. Vti+vxus Reply reply SensitiveReveal5976 Am aware there's tax advantages of FZILX vs VXUS: Key differences. vhgex fzilx vs. 86%, while VXUS has yielded a The difference between FZILX and something like VXUS is about 8%, i. 29%, while FZROX has a five year annualized return of 26. 00% expense ratio, which is lower than FZILX's 0. FSPSX - Expense Ratio Comparison FZILX has a 0. Topic Author. Or should I do like 70% VTI, 10%AVUV, and 20%VXUS to make it slightly more diversified and capture that small cap growth. 9%. 48. 5% historically. Other than that there are ETFs that I would say are as good as VXUS such as IXUS, but nothing better. It was launched on Jan 26, 2011. This would give me the benefit of having some diversification internationally as well, but I heard the expense ratio for VT is 0. FZILX, but I consider these pretty much all interchangeable. The VTIAX fund has a higher expense ratio, at 0. I prefer to do that versus FZROX/FSKAX and FZILX/FTIHX unless it really makes sense to redo it. Based on your insights and the research I’ve been doing, I’m leaning more towards I Bonds. Finally do developed markets international funds have more favorable qualified vs non-qualified dividends when compared to a total international fund that has EM? Yes, per that same page, about 72% of VEA (developed) 2021 dividends were qualified, vs FZROX vs. The plan offers one expensive, active international fund, and two expensive EM funds. FTIHX distributes dividends to shareholders once a year (in December). FZILX - Expense Ratio Comparison FSPSX has a 0. 06%). Suppose the fund accrued $10 of income and paid $4 in taxes per share. Reply reply In a brokerage account I'd go with VXUS or IXUS. VTI+VXUS vs VOO+VXUS . My Empower retirement plan is giving VIGAX & VVIAX investment options. My brokerages (WellsTrade, TDAmeritrade, Fidelity) give the me breakdown explicitly as an extra page in the 1099-DIV VXUS vs. FXAIX vs. So one will likely outperform the other in a small way and then reverse at other times. 08% ER; FZILX is missing 74% (!) of the stocks that VXUS owns. US vs Europe: https NYCaviator wrote: Sat Jan 15, 2022 1:41 pm Our IPS calls for 20% international exposure. Capitalization N/A. I am mainly interested in overall return. Fidelity ZERO International Index @ForeignLargeBlend. It compares fees, performance, dividend yield, holdings, technical indicators, and many other metrics that help make better ETF investing Investors on Fidelity's brokerage platform can use FZILX, one of many Fidelity "Zero" funds. Or you can compare FTIHX with VXUS/VTIAX/IXUS. 5 basis points. Fidelity Total International Index @ForeignLargeBlend. (my taxable account at Fidelity is ITOT + IXUS) Top. 3% CAGR. I just started investing with fidelity and have a very very small position with FZROX and FZILX. VXUS offers some diversification effect, correlation with VTI is 76% and VOO is 63%. I would consider adding an international fund as well, such as FTIHX, FZILX, or VXUS. 00% expense ratio, which is lower than FNILX's 0. 07% vs 0. 3%. 01%. 32. 07% VEA 0. 52 vs 5. View Less. 72%. VXUS is a passively managed fund by Vanguard that tracks the performance of the MSCI All Country World ex USA Investable Market Index. However, both funds are considered low-cost compared to the broader market, where average expense ratios usually range from 0. Schwab has SWISX and SCHF but both are only developed markets As for FZILX and FTIHX, it’s a similar story but even more strongly in favour of the non-zero fund. FZILX 7. The mutual fund has no yearly fees compared to its ETF counterpart. FTIHX has an expense ratio of 0. I FTIHX vs. And it tracks the "Fidelity Global ex U. Price $12. 36%). FZILX (Fidelity Zero International, 0% ER) and FTIHX (Fidelity Total International Index Fund, 0. One has holding in all the big overseas companies, and one has holdings in all the same things plus some emerging 3rd world holdings as well. XLRE also has a higher ESG score (6. slick_dealer_05 Posts: 420 Joined: Wed Jul 25, 2007 1:16 am. Open comment sort options. Put your new taxable account money in VTI and VXUS. VEA+VWO is an excellent tax-loss harvesting partner for VXUS though. The chart below compares the historical Sharpe Ratios of FDEV and FZILX, offering insights into how both investments have performed under varying market conditions. 53%) Volume N/A. In the year-to-date period, ACWX achieves a 1. 91) and a higher ESG score global percentile (96% vs 71%) than VNQ. FSKAX did not distribute a capital gain in 2020 or 2021 and did in 2018. 6% FTIHX will be moderately different than FZILX due to the much higher cash drag and its much larger portion of small cap stocks. 74, which is comparable to the FZILX Sharpe Ratio of 0. 3% to 0. 09. Top. FZROX is a good investment, sure. Incidentally, you are free to hold VTI and VXUS at Fidelity if you want to. Be the first to comment Nobody's responded to this post yet. FZILX: Key differences. FZILX vs IXUS Fund Comparison . 43% annually. A comparison between FZILX and IXUS based on their expense ratio, growth, holdings and how well they match their benchmark performance. 056) - Fidelity Global ex US Index Fund. Is spaxx liquid as fcash? For example, with fcash I’m able to use the universes cash and buy stocks in seconds but with SPAXX, do I have to wait like fzilx vs. As an official Fidelity customer care channel, our community is the best way to get help on The vast majority of my international is in Fidelity’s zero total international fund FZILX. vxus fzilx vs. There were posts a few years after fzrox came out that showed it had outperformed vtsax. My problem is trying to decide between VTI + VXUS vs. 57. A month ago the expense ratio of VMFXX was 0. First, VXUS is an exchange-traded fund (ETF) while FZILX is a mutual fund. I'm fortunate and it's within reason for me to have 2-3M within the next 5-10 years in investments, and those expense ratio differences are thousands of If a 0. 0% ER on the fidelity site. compare the perf of fskax, fxaix vs fzilx. For VXUS the breakdown is usually found at vanguard. I’ve learned that mutual funds are not good to hold in taxable accounts and it’s better to hold ETFs such as VTI or ITOT. Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of FZROX vs. View now. Not an ETF, but if you are at Fidelity their total ex-US international index funds like FTIHX or FZILX have a lower expense ratio than VXUS. From my research so far it seems like VT is the most simple of the 3 but has the highest expense ratio. FTIHX - Expense Ratio Comparison FSGGX has a 0. Any love for FZILX and FZROX? Or if you had to pick things similar to VXUS and VTI but in the fidelity world. I would probably use Vanguard Developed Market (VEA) rather than VXUS in the Last I checked, Fidelity charges $70 per transaction for non fidelity funds FZILX - Fidelity zero international index FZROX - Fidelity zero total market index FXNAX - Fidelity US Bond Index Instead you can purchase Vanguard ETFs like VTI/VXUS and their iShares equivalents ITOT/IXUS. 45%). Nobody seems quite sure if FZILX is intended as a loss leader or what else might explain the absence of 2. 1%. Has factor loading though, so theoretically will outperform a simply market cap weighted fund over long AEPGX vs VXUS. VXUS/FZILX/FTIHX = same damn thing VOO / FXAIX = same damn thing (also just the biggest companies from vti. Reply reply 2) Total INT: 0% ER with FZILX vs 0. If those 3, FSGGX is the "worst" since it has a similar number of holdings as FZILX but a nearly identical ER to FTIHX; FTIHX vs FZILX Congress down to personal preference of number of holdings vs ER. Keep an eye on US percentage in VT and adjust VTI percentage accordingly. This is almost the same as the performance of FZILX (-23. There are multiple other funds which offer a practically identical return profile to FZILX, available as a mutual fund from Vanguard Mutual Funds. 1-0. 07% while FZROX and FZILX are 0? IXUS vs. 44) in long term capital gains. Cruian true when investing internationally is now done as cheaply and easily as simply adding one more fund like FTIHX or FZILX. Don't use FZILX in a taxable account. These values are calculated using daily returns over the previous 12 months. Hi! My spouse just moved employers. FZILX vs VXUS Fund Comparison . VT vs VTI/VXUS vs FZROX/FZILX in Roth IRA . However after reviewing them all I’ve narrowed it down to these two funds being the best. yupwejffvqiaqomsihqyskffhqhoffaldajsvslsijtljwjqpv