Fzilx vs ftihx

Minafi's Take on FSPSX vs FZILX Here's an in depth look at the differences between Fidelity® International Index Fund ($FSPSX) and Fidelity ZERO International Index Fund …

I do the above in an IRA of mine to be different enough from IXUS held in taxable (could apply to VXUS or FTIHX as well) to not worry about tax loss harvesting if I ever need to do that. But yeah, the international options at Fidelity may not be immediately apparent in their differences, and that was a good link to explain those differences.VLXVX is a target date fund that consists of a blend of stocks and bonds. TDFs grow more conservative (more bonds) as the target date approaches. TDFs are a good option if you want an easy, one fund solution to your investment allocation but they shouldn't be used in combination with other holdings. FZROX is not a target date fund and consists ...FNILX is fully contained within FZROX. FZILX is the ex-US Zero compliment to FZROX. FNILX may be similar to, but it's still different than the S&P 500: see Tesla in 2020 where FNILX had it most/all year but S&P 500 couldn't add it until December. If you have a Fidelity account, they're great in tax advantaged.55% FZROX, 5% FZIPX, 40% FZILX for me. Keeps me at about the global market cap weight and gives me a slight (intended) extended market tilt. Similarly, same numbers but replace FZROX with FSKAX, FZIPX with FSMAX, and FZILX with FTIHX for my taxable (I'm aware ETFs are currently sightly more beneficial on taxes, but I absolutely hate dealing with them and the amount I have invested in taxable ...A three-fund portfolio is a portfolio which uses only basic asset classes — usually a domestic stock "total market" index fund, an international stock "total market" index fund and a bond "total market" index fund.It is often recommended for and by Bogleheads attracted by "the majesty of simplicity" (John Bogle's phrase), and for those who want finer control and better tax-efficiency than ...FZROX is the way to go. Broad market, 0 fees. Small caps outperform large caps in the long term, so as a 22 year old you shouldn't miss out by only buying the S&P 500. In a Roth, you can swap without any tax considerations. Add some FZILX too. Somewhere between 20-50% international is about right.FTIHX Review: Everything you need to know. January 4, 2022 by Diego. Someone asks: I have 5 index funds in my Roth but thinking of trimming it down to FTIHX. The reason I did this was because they didn’t truly fit my allocation. FZROX isn’t a “true” total market fund. It’s missing ~1000 companies. FZILX is missing international small ...

Obviously I'd prefer to use FZILX (or FTIHX as I stated) but I only have access the the 3 index funds I listed in my original post. Top. snailderby Posts: 1420 Joined: Thu Jul 26, 2018 4:30 pm. Re: Fidelity International index options. Post by snailderby » Fri Feb 15, 2019 2:36 am.For further information, check out IXUS vs IDEV comparison details. 13. Compare and contrast: IXUS vs FTIHX . IXUS is an ETF, whereas FTIHX is a mutual fund. IXUS has a higher 5-year return than FTIHX (2.67% vs 2.64%). IXUS has a higher expense ratio than FTIHX (0.07% vs 0.06%). IXUS. FTIHX. Segment.Fidelity® Total International Index Fund No Load (FTIHX) dividend summary: yield, payout, growth, announce date, ex-dividend date, payout date and Seeking Alpha Premium dividend score.A large fund by itself doesn't mean it's a good fund, but it is one thing to consider when figuring out how to choose the right fund. In the case of these two funds, FSPSX is a large fund with 24.7 Billion in assets under management. FZILX , on the other hand, is a medium fund with 1.4 Billion in assets under management. (I prefer FTIHX for international, because it includes a very small allocation to small caps.) ... People usually pick FZROX/FZILX to minimize the expense ratio if they are fine with using the proprietary products. It was interesting to see that you want FSKAX for the US exposure and FZILX for the international exposure.They performed similarly since July 1, 2021. ZFROX dropped 5.50% and VTSAZ dropped 6.01%, according to Morninstar.com. ZFILX and VTIAX also dropped about 13% with the difference less than 0.08 percentage point. You are comparing a 60/40 in Fidelity with 70/30 in Vanguard. This is not an apple-to-apple comparison.There is one important difference between these two funds. FTIHX is truly a passive total market index fund, replicating the MSCI all cap world index with all ~5,000 holdings. FSGGX uses a sampling method to simulate the same index, only holding a minimum of 80% of the index stocks by weight. It has less than half as many holdings, missing ...Cost is one of the biggest differences between the two. FTIHX has an expense ratio of 0.06%, while FZILX has no fee at all. Over the last year, FTIHX has had an average annual return of -23.35%. This is almost the same as the performance of FZILX (-23.45%). FTIHX vs. FZILX: Which Is Better?

This is what both Fidelity and Vanguard use in their target date funds. I've also had a hard time deciding between FZILX and FTIHX so any wisdom would be appreciated! Either work: Lower ER but only half the holdings? FZILX. 6 basis points higher ER but around double the holdings? FTIHX. Personal preference.FTIHX will be moderately different than FZILX due to the much higher cash drag and its much larger portion of small cap stocks. These two are significantly …9:05a Jobless claims inch up to 207,000, but no sign of rising U.S. layoffs ; 9:04a U.S. trade deficit shinks 10% to $58.3 billion and hits nearly 3-year lowAnalyze the Fund Fidelity ® Total International Index Fund having Symbol FTIHX for type mutual-funds and perform research on other mutual funds. Learn more about mutual funds at fidelity.com.

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Max 12b1 fee N/AN/A. Max front end sales load N/A5.28%. Max deferred sales load N/A1.46%. 3-yr expense projection 0N/A. 5-yr expense projection 0N/A. 10-yr expense projection 0N/A. See the company profile for Fidelity ZERO International Index (FZILX), including business summary, industry/sector information, number of employees, corporate ...You realize FZIlX is a mutual fund and not an etf, right? Your zero commission likely does not apply to mutual funds although admittedly I don’t know much …FZILX and FSGGX are similar to each other in tracking international large cap (but different index and expense ratio) so roughly in between the other two in terms of holdings. But comparing these large cap funds to FTIHX, all 3 have the same top 10 holdings right now with the "Large" pair having ~11% weight while "Total" slightly reduces to ~10%.Fidelity® Total International Index Fund (FTIHX) - Expense ratio 0.06. Vanguard Total International Stock Index Fund Admiral Shares (VTIAX) - Expense ratio 0.11. Expense ratio of Fidelity is lower than Vanguard, and since I am investing in Roth IRA the account is tax advantage so any capital gain distribution would not be an issue with Fidelity.

Does a tax loss harvesting from FTIHX to FZILX qualify as "similar but not identical"? I think it does since FTIHX follows MSCI ACWI, and FZILX follows an in house Fidelity Index of some sort. ... Anyway now FTIHX has a loss and tiss the season to look at TLH. Thanks in advance. Top. Earl Lemongrab Posts: 7270 Joined: Tue Jun 10, 2014 6:14 am ...2023-04-17 Deprecated: str_replace(): Passing null to parameter #3 ($subject) of type array|string is deprecated in /home/afg5/public_html/wp-includes/formatting.php ...The best stock comparison tool in Galaxy! Pick any two stocks and find out how much money each would've made you had you purchased them at the same time. Both FZILX and FZROX are mutual funds. FZILX has a lower 5-year return than FZROX (2.97% vs 9.23%). Below is the comparison between FZILX and FZROX.FNILX is fully contained within FZROX. FZILX is the ex-US Zero compliment to FZROX. FNILX may be similar to, but it's still different than the S&P 500: see Tesla in 2020 where FNILX had it most/all year but S&P 500 couldn't add it until December. If you have a Fidelity account, they're great in tax advantaged.Wouldnt Fidelity ZERO funds be better to make use of zero expense ratio - FZROX/FZILX. ... you would need to direct those ongoing investments into FSKAX & FTIHX in the same 70/30 ratio. Finally, on an annual basis (many people pick an important day, like their birthday, for this), you will want to take a look at your investments and rebalance ...5 8 comments Add a Comment wizard903 • 3 yr. ago I slightly prefer FTIHX to FZILX because the former provides (minimal) small-cap exposure that the latter does not. 4 shakabuee23 • 3 yr. ago Would the difference in having those small cap companies be big in the long run, like till retirement? wizard903 • 3 yr. agoAnd we have unwavering standards for how we keep that integrity intact, from our research and data to our policies on content and your personal data. We'd like to share more about how we work ...Help structuring TLH partners. by Sellery1031 » Sat Mar 06, 2021 3:17 am. We have recently restructured holdings to simplify. His 401K: 100% FSKAX (Fidelity Total Market Index) Her 403B: 100% Legal & General S&P DC (No ticker) I am a little stuck on how to partner for TLH purposes with the above holdings. We hold taxable at Fidelity.Fidelity Mid-Cap Stock fund was incepted in March 29, 1994 and is managed by Fidelity Group. The objective of the fund is to seek long-term growth of capital. This fund invests at least 80% of ...by Iplaygolf1313. Went ahead and committed to FZROX/FZILX! See y’all in 40 years. Thanks to finding this sub, I’ve gone ahead and moved my Roth which was 75/25 VOO/QQQ to FZROX/FZILX. I’m 26, so have lots of time before retirement. Hopefully this works like it has in history! Catch y’all in retirement. This thread is archived.

Both FSGGX and FTIHX are mutual funds. FSGGX has a higher 5-year return than FTIHX (3.36% vs 2.96%). FSGGX has a lower expense ratio than FTIHX (0.05% vs 0.06%). Below is the comparison between FSGGX and FTIHX . Together with FinMasters.

I think VTIAX is more tax efficient than FTIHX, but that FTIHX's ER is much lower. Otherwise I think they seem to cover the same breadth. Since I've got room in a tax advantaged account, I'm thinking of putting FTIHX there instead of continuing to allocate VTIAX. What do people think? Oct 7, 2023 · The correlation between FZILX and FTIHX is 0.99, which is considered to be high.That indicates a strong positive relationship between their price movements. Having highly-correlated positions in a portfolio may signal a lack of diversification, potentially leading to increased risk during market downturns. VT follows the FTSE Global All Cap Index and is run by Vanguard. VT is .01% cheaper ER. VT holds more stocks (9105 vs 1,664) so SPGM is more concentrated, which lowers diversification benefits a little, but in theory provides better returns when large cap stocks do better (which is true in the recent past).Fund Size Comparison. Both FTIHX and VXUS have a similar number of assets under management. FTIHX has 3.94 Billion in assets under management, while VXUS has 390 Billion . Minafi categorizes both of these funds as large funds. Fund size is a good indication of how many other investors trust this fund.I think VTIAX is more tax efficient than FTIHX, but that FTIHX's ER is much lower. Otherwise I think they seem to cover the same breadth. Since I've got room in a tax advantaged account, I'm thinking of putting FTIHX there instead of continuing to allocate VTIAX. What do people think? VTI performs close enough to the same as FZROX and costs more to do it. Granted, not much more, but more. FZILX should perform about as well as VXUS. 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. WingsFan4Life • 1 yr. ago. Stay the course.FZROX = US total market index. FXAIX = S&P 500 index. They are different, where FZROX has more exposure to smaller company stocks, but they aren't drastically different. Think of FZROX as "FXAIX with way more included stocks in it". 11010001100101101 • 1 min. ago.I want to replicate VTWAX with Fidelity mutual funds. 60% FZROX and 40% FZILX, or 60% FSKAX and 40% FTIHX? Will I have to periodically update the allocations to match VTWAX? ... I personally prefer fskax and ftihx but don't think it really matters all that much. As long as we are talking in a tax deferred account because there will be issues ...I am checking into alternatives such as Fidelity Total International Index Fund (FTIHX) and Fidelity ZERO International Index Fund (FZILX). ... (FZILX). I know the performance of the Vanguard and Fidelity funds are "roughly" equal. Vanguard Total International Stock Index Fund ETF (VXUS) is a better performer, larger in size, and more diverse ...Pick any two stocks and find out how much money each would've made you had you purchased them at the same time. Both FIENX and FTIHX are mutual funds. FIENX has a higher 5-year return than FTIHX (2.87% vs 2.64%). FIENX has a higher expense ratio than FTIHX (0.59% vs 0.06%). Below is the comparison between FIENX and FTIHX.

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The portfolio maintains a sizable cost advantage over competitors, priced within the cheapest fee quintile among peers. by Morningstar Manager Research. Rated on Aug 31, 2023 Published on Aug 31 ...A common combination for a typical 3 fund portfolio in a Fidelity Tax-Advantaged account is FSKAX/FTIHX/FXNAX OR FZROX/FZILX/FXNAX. For taxable, there's ITOT/IXUS/AGG using iShares ETFs. If you still want to approximate a Total Market fund by combining funds, check out the wiki: ...FZILX vs. FZROX - Performance Comparison. In the year-to-date period, FZILX achieves a 7.14% return, which is significantly lower than FZROX's 13.11% return. Over the past 10 years, FZILX has underperformed FZROX with an annualized return of 3.01%, while FZROX has yielded a comparatively higher 9.64% annualized return.Correlation & Price change. A.I.dvisor indicates that over the last year, VYMI has been closely correlated with SLF. These tickers have moved in lockstep 82% of the time. This A.I.-generated data suggests there is a high statistical probability that if VYMI jumps, then SLF could also see price increases. FTIHX or VXUS or VYMI - Which is better ...It looks like FTIHX throws off less dividends and has a higher QDI percentage than VTIAX, so it may be more tax-efficient to hold FTIHX in taxable than VTIAX. Also, FTIHX has a lower ER, 0.06%, while VTIAX has an ER of 0.11%. Then again, FTIHX has only been around since 2016 and only has $2.8B in assets compared to VTIAX which has been around ...Just like FZIPX and FZILX, FNILX and FZROX are Fidelity's zero-fee index funds, meaning the absence of an expense ratio. This makes them attractive investment options for long-term investors. Aside from low-cost benefits, these mutual funds share standard features in other areas, including performance, dividend distribution, and holdings.Your savings rate will have much more impact to your future financial health than worrying about FTIHX vs FZROX ER's and holdings. As of June 30, 2020: FTIHX: 4535 holdings FZROX: 2128 holdings. So yes, 1/2 the holdings, because all those extra 2k stocks cost money to manage the holdings, that's one of the downsides of the zero funds, they are ...FNILX is one of a handful of fee-free mutual funds that Fidelity launched in 2018. The fund has no fees, commissions, or minimums, which makes it a compelling choice for long-term investing. FNILX ...I'm thinking about using Fidelity Total International Index Fund (FTIHX). Top. Topic Author. equanimity33 Posts: 30 Joined: Thu Feb 08, 2018 4:32 pm. Re: Running out of TLH partners for Total Int'l, need to harvest more losses. Any ideas for more TLH partners? ... FZILX<>FTIHX. Top. 17 posts • Page 1 of 1. ….

The capabilities and experience of Fidelity Low-Priced Stock's still-new lead managers make them well-suited to run its inimitable portfolio once Joel Tillinghast wraps up his long and ...This is what both Fidelity and Vanguard use in their target date funds. I’ve also had a hard time deciding between FZILX and FTIHX so any wisdom would be appreciated! Either work: Lower ER but only half the holdings? FZILX. 6 basis points higher ER but around double the holdings? FTIHX. Personal preference.Summary. The portfolio maintains a sizable cost advantage over competitors, priced within the cheapest fee quintile among peers. by Morningstar Manager Research. Rated on Aug 31, 2023 Published on ...FTIHX has a larger portfolio of 5,000+ equities, while FSPSX only holds 800+ stocks. FSPSX has a lower expense ratio of 0.035%, compared to FTIHX's 0.07%. Both funds have averaged under 6% over the past 10 years, with FSPSX being the preferred choice due to its lower fees and larger net assets. Investing in at least one international index ...Analyze the Fund Fidelity ZERO ® International Index Fund having Symbol FZILX for type mutual-funds and perform research on other mutual funds. Learn more about mutual funds at fidelity.com.International - FSPSX or FTIHX I'd look at FTIHX, FZILX, or FSGGX. Preferably one of the first 2. but FSPSX on average has better returns In 2010 you'd have been looking back at emerging market outperformance over the previous decade, so FSPSX would have been behind there. FSPSX only covers developed markets.You should also consider either FTIHX or FZILX. ... Total USA stock market (diversity) vs S&P 500 (Value and stability). FXAIX/FSKAX have more dividends which will lead to more growth after 10+ years if the dividends are reinvested. FNILX/FZROX have a zero expense ratio and better growth without including dividends. ... FZILX and FUAMX are good ...FTIHX wins on number of holdings, about twice as many as the other 2, but has the highest ER at 0.06% (which is still incredibly low) FZILX has no ER, but has the fewest holdings FSGGX has less than 100 more holdings than FZILX (last I checked) and is only half a basis point cheaper than FTIHX. Fzilx vs ftihx, Then, assuming you have automatic recurring investments set up, you would need to direct those ongoing investments into FSKAX & FTIHX in the same 70/30 ratio. Finally, on an annual basis (many people pick an important day, like their birthday, for this), you will want to take a look at your investments and rebalance back to a 70/30 ratio. , Jan 18, 2018 · Our Fidelity 403b accounts offer the best option for increasing our exposure to around 20% total. However, we don't have access to FTIHX (Total international index fund). The 3 best index funds available to us are: FSGGX - Fidelity Global ex Us index (.06 exp. ratio) FSPSX - Fidelity International index (.045 exp. ratio) , Fidelity famously declared victory in the expense ratio wars last year when they released four zero fee index funds: FZROX: Fidelity® ZERO Total Market Inde., So FZROX has far fewer holdings than FSKAX, and the same for FZILX and FTIHX. They are not equivalents; FSKAX is a much more comprehensive product that truly represents the US market. Second, the zero-fee funds cannot be transferred out of a Fidelity account, in contrast to other Fidelity mutual funds., We track 3 Vanguard ETFs which are extremely similar to Fidelity's FZILX: VXUS (Total International Stock ETF), VEU (FTSE All-World ex-US ETF), and VSGX (ESG International Stock ETF). Similarity. Symbol. Fund Family. Fund Name., You are here: Home. Uncategorized, FZILX is a no-cost international stock mutual fund that provides investors with exposure to foreign stocks. It's managed by Fidelity Investments and is an alternative to VXUS in that it tracks a similar index. FZILX vs VXUS: Key differences. First, VXUS is an exchange-traded fund (ETF) while FZILX is a mutual fund. ..., FZILX vs FTIHX is a little different. FTIHX has an ER of 0.06, which is a little higher. On the other hand, FTIHX includes international small caps- developed small caps are ~9% of its composition- which FZILX doesn't at all. FTIHX also has a slightly higher percentage of emerging market equities, and carries a little more cash., Fidelity Small Cap Index Fund (FSSNX) Fidelity’s FSSNX is a small-cap mutual fund that invests 80% of its assets in stocks from the Russell 2000 Index. Expense ratio: 0.025%. Morningstar category: Small Blend. Minimum to Invest: $0.00. Dividend distribution: June and December. Similar Small-cap funds: FCPGX and VISGX., Stock Wars. The best stock comparison tool in Galaxy! Pick any two stocks and find out how much money each would've made you had you purchased them at the same time. Both FSPSX and FTIHX are mutual funds. FSPSX has a higher 5-year return than FTIHX (3.5% vs 2.64%). FSPSX has a lower expense ratio than FTIHX (0.04% vs 0.06%)., I have 630 shares of FNILX and 330 shares of FZILX in my taxable account. I have about $600 in losses for FNILX and $500 for FZILX. Should I sell all these shares? ... Note you may want to use separate funds in taxable vs. tax-advantaged accounts, to help avoid potential wash sales & ease tax loss harvesting., Other than Vanguard index funds (thanks to a patent they hold), which have commission fees at Fidelity, ETFs are more tax efficient in a taxable account because of how they deal with capital gains within the fund. I use VXUS and IXUS interchangeably at Fidelity (and would do the same at other brokerages) j-a-young • 2 yr. ago., level 1. Reinhardt3411. · 8m. 60% of my portfolio is FSKAX, 40% in FTIHX. Will be adding in some level of Bonds from FXNAX in 10-15 years probably, I don't think I need to worry about bonds at 28. The gains match the market + ~2% for dividends. 3. level 2. Expensive-Still-2222., FZROX, FXNAX, and FZILX are the best mutual funds for Roth IRAs. By Matthew Johnston. Updated August 02, 2022. Reviewed by Margaret James. Fact checked by. Vikki Velasquez. There are a variety of ..., The best stock comparison tool in Galaxy! Pick any two stocks and find out how much money each would've made you had you purchased them at the same time. Both FSPSX and FZILX are mutual funds. FSPSX has a higher 5-year return than FZILX (3.5% vs 2.97%). Below is the comparison between FSPSX and FZILX., Performance charts for Fidelity ZERO International Index Fund (FZILX) including intraday, historical and comparison charts, technical analysis and trend lines., Discover historical prices for FZILX stock on Yahoo Finance. View daily, weekly or monthly format back to when Fidelity ZERO International Index stock was issued., Re: last cap gains distribution being a while ago & relatively insignificant, note that FTIHX had ~14.4% in unrealized gains as of its last annual report (source in this comment), and may need to realize / distribute some of these in the event of outflows.. I don't know the whether / how relevant it is to the difference in trailing twelve month dividend yields in this case (~2.6% vs. ~3.1% ..., FZILX vs. FTIHX - Sharpe Ratio Comparison. The current FZILX Sharpe Ratio is 0.96, which roughly equals the FTIHX Sharpe Ratio of 0.92. The chart below compares the 12-month rolling Sharpe Ratio of FZILX and FTIHX. Max 10Y 5Y 1Y YTD 6M. Rolling 12-month Sharpe Ratio 0.00 0.50 1.00 May June July August September October. 0.96., There is one important difference between these two funds. FTIHX is truly a passive total market index fund, replicating the MSCI all cap world index with all ~5,000 holdings. FSGGX uses a sampling method to simulate the same index, only holding a minimum of 80% of the index stocks by weight. It has less than half as many holdings, missing ..., FZILX (Fidelity Zero International, 0% ER) and FTIHX (Fidelity Total International Index Fund, 0.06%). They are basically identical, the difference being that FTIHX follows the MSCI ACWI index, whereas FZILX uses Fidelity's proprietary index. Nobody seems quite sure if FZILX is intended as a loss leader or what else might explain the absence of ... , Analyze the Fund Fidelity ® Total International Index Fund having Symbol FTIHX for type mutual-funds and perform research on other mutual funds. Learn more about mutual funds at fidelity.com., 06-Jun-2019 ... ... FZILX, — —. Fidelity® Total International Index FTIHX, — —. More on this ... or Share My Personal Information · Accessibility. Give Feedback., I currently have FSKAX (Total US index fund) AND FTIHX (Total International index fund) in my Roth IRA with Fidelity. If i rollover my old 401k into…, This is for persons in the US only. Analyze the Fund Fidelity ® Total Market Index Fund having Symbol FSKAX for type mutual-funds and perform research on other mutual funds. Learn more about mutual funds at fidelity.com., FZILX vs FTIHX. Both FTIHX and FZILX are mutual funds. FTIHX has a lower 5-year return than FZILX (3.4% vs 3.73%). Below is the comparison between FTIHX and FZILX. , Bogleheads vs Dr. Bernstein. I've been trying to find a middle ground between a simple 2-3 fund portfolio consistent with Boglehead recommendations versus those of Dr. William Bernstein who likes to break up allocations according to size and valuation to bias his portfolios towards value stocks. I'm 26 years old, this allocation is for my ..., Vanguard has patented a unique tax structure to reduce mutual funds cap gain distributions. Therefore, even for a taxable account at Vanguard , a mutual fund like VTSAX enjoys similar tax advantages like an ETF like VTI (simplistically speaking). u/villamagic11 Thank you for explaining it in more detail., My wife uses a simple 3 fund portfolio with Fidelity. FZROX, FZILX, FXNAX. There are some fidelity dividend funds for dividend investors like FEQTX and FEQIX but I believe they're all around that 0.6% ER. The classic boglehead approach will yield somewhere in the 2 to 4% range of div yield., The portfolio maintains a sizable cost advantage over competitors, priced within the cheapest fee quintile among peers. by Morningstar Manager Research. Rated on Aug 31, 2023 Published on Aug 31 ..., Is a Roth IRA Split of 80/20 between FSKAX and FTIHX ideal? For context I’m 18 if that means anything. Looking to max out my Roth for the year soon and want to make sure I’m getting the most out of it. Also should I max out the …, (I prefer FTIHX for international, because it includes a very small allocation to small caps.) ... People usually pick FZROX/FZILX to minimize the expense ratio if they are fine with using the proprietary products. It was interesting to see that you want FSKAX for the US exposure and FZILX for the international exposure., The best stock comparison tool in Galaxy! Pick any two stocks and find out how much money each would've made you had you purchased them at the same time. Both FPADX and FSPSX are mutual funds. FPADX has a lower 5-year return than FSPSX (1.34% vs 4.5%). FPADX has a higher expense ratio than FSPSX (0.07% vs 0.04%).