All charts and data below are with dividends reinvested. (Inflation adjustment is OFF !)

Total Real Returns

FZROX vs. FXAIX vs. VOO vs. FNILX: Total Return Chart (with Dividends Reinvested)

Growth of $10,000

Wed 2018-09-26💬 to Wed 2026-09-30 Overall
Return 		Exponential
Trendline
FZROX × 		+186.56%
+14.04%/yr 		+14.44%/yr
R2=0.919
Fidelity Zero Total Market Index Fund Mutual Fund
FXAIX × 		+199.29%
+14.66%/yr 		+15.08%/yr
R2=0.934
Fidelity 500 Index Fund Mutual Fund
VOO × 		+197.98%
+14.60%/yr 		+15.02%/yr
R2=0.934
Vanguard S&P 500 ETF Exchange-Traded Fund
FNILX × 		+199.43%
+14.67%/yr 		+15.00%/yr
R2=0.927
Fidelity Zero Large Cap Index Fund Mutual Fund

Growth of $10,000 Summary

Wed 2018-09-26💬 to Wed 2026-09-30 Start
Value 		End
Value
FZROX × 		$10,000.00
2018-09-26 		$28,656.29
2026-09-30
FXAIX × 		$10,000.00
2018-09-26 		$29,928.80
2026-09-30
VOO × 		$10,000.00
2018-09-26 		$29,797.63
2026-09-30
FNILX × 		$10,000.00
2018-09-26 		$29,942.93
2026-09-30

This Year’s Performance

through 2026-09-30

  YTD YoY
FZROX × 		+12.65% +15.40%
FXAIX × 		+12.73% +15.72%
VOO × 		+12.73% +15.77%
FNILX × 		+12.46% +15.24%

Drawdowns

  Current
Drawdown 		Worst
Drawdown
FZROX × 		−2.35%
on 2026-09-30
from 2026-08-13 peak 		−34.96%
on 2020-03-23
from 2020-02-19 peak
FXAIX × 		−1.72%
on 2026-09-30
from 2026-08-13 peak 		−33.79%
on 2020-03-23
from 2020-02-19 peak
VOO × 		−1.72%
on 2026-09-30
from 2026-08-13 peak 		−33.99%
on 2020-03-23
from 2020-02-19 peak
FNILX × 		−1.82%
on 2026-09-30
from 2026-08-13 peak 		−33.75%
on 2020-03-23
from 2020-02-19 peak

Rolling Returns

Period ending Wed 2026-09-30 1 yr 2 yr 3 yr 5 yr 10 yr
FZROX × 		+15.40% +35.60%
+16.45%/yr 		+83.59%
+22.45%/yr 		+82.85%
+12.83%/yr 		—
FXAIX × 		+15.72% +36.47%
+16.82%/yr 		+86.07%
+23.00%/yr 		+91.22%
+13.84%/yr 		+317.17%
+15.35%/yr
VOO × 		+15.77% +36.05%
+16.64%/yr 		+85.39%
+22.85%/yr 		+90.62%
+13.77%/yr 		+315.33%
+15.30%/yr
FNILX × 		+15.24% +36.30%
+16.75%/yr 		+86.16%
+23.02%/yr 		+88.24%
+13.49%/yr 		—

Annual Returns

Year FZROX FXAIX VOO FNILX
2026 (YTD) +12.65% +12.73% +12.73% +12.46%
2025 +17.23% +18.20% +17.82% +17.81%
2024 +23.94% +25.01% +24.98% +25.47%
2023 +26.20% +26.29% +26.32% +27.45%
2022 −19.21% −18.14% −18.17% −19.37%
2021 +26.21% +28.71% +28.79% +26.67%
2020 +20.52% +18.42% +18.32% +21.14%
2019 +31.23% +31.48% +31.37% +31.79%
2018 −11.83% −4.43% −4.50% −13.32%
2017 — +21.82% +21.77% —
2016 — +11.97% +12.17% —
2015 — +1.38% +1.33% —
2014 — +13.67% +13.56% —
2013 — +32.39% +32.39% —
2012 — +16.00% +15.99% —
2011 — −5.95% +1.90% —
2010 — — +14.78% —