Three-Fund Portfolios Using Fidelity Index Funds

Updated on September 26th, 2023
52

One of the most popular posts on the blog so far has been my article describing how you can build simple index fund portfolios, including my favorite three-fund portfolio, using Vanguard index funds. Using the funds from that article, you can build a diversified portfolio of index funds at very low cost using Vanguard funds.

Unfortunately, many of my readers do not have a Vanguard account. Some may choose to have accounts at their largest competitor, Fidelity. I personally do not have a Vanguard account and have all my investments (except my 529s) at Fidelity. I like their phone customer service, and they have physical branches if I want to deposit checks or talk to a customer service representative in-person. In addition, Vanguard and Fidelity have been recently engaged in a competitive price war over index fund expense ratios. In many cases, Fidelity’s index fund is cheaper than Vanguard’s equivalent offering.

Whatever your reason for choosing Fidelity over Vanguard, I wanted to show you how to build three-fund or other simple index fund portfolios with Fidelity.

One Fund: Start with S&P 500 or Total Stock Market

The simplest portfolio consists of just one index fund. You can choose either an S&P 500 index fund, which consists of large-cap stocks, or a total stock market index fund, which consists of large-cap, mid-cap, and small-cap stocks. You can’t go significantly wrong with either index.

Fidelity’s S&P 500 index fund is FXAIX (ER 0.015%), and their total stock market index fund is FSKAX (ER 0.015%). Fidelity also has a zero expense ratio total stock market index fund (FZROX, ER 0.00%).

If you use ETFs, Fidelity offers the iShares S&P 500 ETF IVV (ER 0.04%), or its total stock market ETF equivalent, ITOT (ER 0.03%), commission-free.

Two Funds: Add U.S. Bonds

Most investors will want some exposure to U.S. bonds because a 100% stock portfolio has a lot of volatility. At Fidelity, the index fund of choice to get broad U.S. bond exposure is FXNAX (ER 0.025%). If you use ETFs, the commission-free iShares ETF is AGG (ER 0.05%).

Three Funds: Add International Stocks

The third component of the classic three-fund portfolio is international stocks. You have four great international stock index fund options at Fidelity.

The first option is Fidelity International Index Fund (FSPSX, ER 0.035%). This index fund gives broad exposure to foreign stocks in developed markets, such as Europe and Japan. It does not give exposure to emerging markets, like Russia or China. It also has minimal exposure to mid-cap and small-cap stocks.

The second option is Fidelity Global ex U.S. Index Fund (FSGGX, ER 0.055%). This index fund gives exposure to both foreign developed markets and emerging markets. Emerging markets can provide additional diversification, but they are typically more volatile than foreign developed markets. It also has minimal exposure to mid-cap and small-cap stocks.

The third option is Fidelity Total International Index Fund (FTIHX, ER 0.06%). This index fund gives the broadest exposure to the international stock markets, as it includes foreign developed markets and emerging markets as well as large-cap, mid-cap, and small-cap exposure.

The fourth and newest option is the Fidelity ZERO International Index Fund (FZILX, ER 0.00%). It gives exposure to large-cap and mid-cap foreign developed and emerging markets.

I personally prefer FZILX over the others because of its zero expense ratio, but many people like FTIHX because of its inclusion of small-cap international stocks.

If you like ETFs, the commission-free iShares ETF for international stocks is IEFA (ER 0.07%). This ETF tracks foreign developed markets and does not invest in emerging markets. IXUS (ER 0.09%) invests in both foreign-developed and emerging markets stocks.

Four Funds: Add International Bonds

Fidelity currently does not have an international bond index fund. To get exposure to international bonds at Fidelity, you should use the IAGG (ER 0.09%), an iShares ETF that is commission-free at Fidelity.

Five Funds: Add REITs

If you want to add a fifth fund, my preference is to add a real estate index fund. At Fidelity, the best option is the Fidelity Real Estate Index Fund (FSRNX, ER 0.07%). If you use ETFs, the commission-free Fidelity ETF is FREL (ER 0.08%).

Summary

Portfolio Mutual Fund ETF
One-Fund: S&P 500 FXAIX IVV
One-Fund: Total Stock Market FSKAX
FZROX
ITOT
Two-Fund: Add U.S. Bonds FXNAX AGG
Three-Fund: Add International Stocks FSPSX
FSGGX
FTIHX
FZILX
IEFA
IXUS
Four-Fund: Add International Bonds N/A IAGG
Five-Fund: Add REITs FSRNX FREL

Remember that you should use ETFs instead of index funds in a Fidelity taxable account because of the more favorable tax treatment of ETFs. In tax-deferred accounts, you can use either index funds or ETFs, and my preference is to use index funds.

What do you think? Do you prefer Fidelity over Vanguard? Do you own any of the Fidelity index funds or ETFs listed in this article?

52 COMMENTS

  1. I have Fidelity for my 401K and invest in the premium classes of the funds. Same with my Vanguard IRA funds. I am a big S & P proponent and believe you get some international exposure through that. I, however, still have a 5% investment in specific international funds and another 5% in Reits for my 401K. My IRA is just straight S & P indexed funds.

    • Nice. I agree that U.S. companies have business exposure overseas, but I still like actual international companies as well in my portfolio. But its certainly not wrong to have little to no exposure to international stocks; Warren Buffett and John Bogle do not recommend any international stocks.

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  2. what do you recommend for dividend reinvestments for taxable accounts using ETFs? Mutual Funds keep track of the taxable things when you sell them. Someone said it is hard to keep track of ETFs with small amounts purchased (ie dividend reinvestment) so when you sell it becomes a bit of a headache. Should folks just take the dividend cash and then buy their own lots every so often or not worry about it? Dividend reinvestment is so convenient.

    • Thanks for the great question, Ann. I can’t speak for other brokerage houses, but Fidelity keeps track of all of your small lots from dividend reinvestments. You can set dividend reinvestments on or off for ETFs. Since Fidelity keeps track of all of your odd lots when you sell your ETFs, you can easily import your tax returns from Fidelity into most tax software (I have personal experience with TurboTax and H&R Block). If you like the convenience of dividend reinvestments with mutual funds, then you should turn dividend reinvestments on for your ETFs as well. I hope this helps!

      -WSP

  3. I have a ~$9k car loan at a low interest rate that I’m currently paying off (1.65%). I had enough in savings to not need the loan but I figured it would be better to invest the principal in an index fund with a (historically) higher return. Should I switch that out to an ETF since it’s being held in a taxable account to save on the taxes? Is the activity assessment fee ($0.01-$0.03 per $1,000 principal, otherwise known as the SEC fee) from selling ETFs going to affect that in any way since I may need to sell once or twice a year? Thanks!

    • Hi Jeff,

      It makes financial sense to keep the car loan and invest it in the market, which has a higher expected (but not guaranteed) return than 1.65%. Switching it out to an ETF is a no-brainer if you are currently in the 10% or 15% tax brackets, since you pay no long-term capital gains. If you’re in a higher tax bracket, you’d have to run the numbers to see whether its worth switching over. E-mail me via the contact page and I can try to run the numbers for you.

      The activity assessment fees is 0.001%-0.003%, and really shouldn’t affect your investment decisions.

  4. Great post – most folks think of only Vanguard with the 3-fund portfolio, but have a Fidelity 401K at work and sometimes get stuck. I have used both Fidelity and Vanguard and they’re both pretty good!

  5. Thanks so much for streamlining this! Don’t want to wait any longer and want to seize the advantage of time/compounding for myself and GF (both ~25 years old). As I’ve been addicted to Mr. Money Mustache recently, Vanguard seems the gold standard. But our employer 403b has choice between Fidelity and TIAA. Having her hit the 403b with Fidelity and I myself am going to open Roth IRA and start contributing there as I wait for employer matching contribution eligibility (don’t get the match for at least another year). I figure I will do the Roth with Fidelity if I know the employer 403b will be as well (for ease of use?).

    My only question with doing a three-fund through Fidelity (or Vanguard for that matter) involves IRA contribution limits and initial minimums. If I want to start with a 3-fund Total Stock Index/Total Bond Index/International Index, I’d need $7500 total, right? That exceeds $5500 contribution limit… though I’m pretty sure if I opened one between now and April I could allocate the first $5500 to “2017,” the next $2000 to “2018”, and then have flexibility to contribute up to $3500 for the remainder of the year. But what I’m confused about is, buying into the three funds at their initial rates gives me a portfolio balance of 33%/33%/33%, doesn’t it? If I wanted to adjust my asset allocation to the appropriate balance of 80 or 90% stocks and 20 or 10% bonds, is the process to: Pay initial minimum to buy into all desired funds (three in this case), then immediately rebalance (sell) to my desired asset allocation?

    • You are correct that there is a $2,500 minimum for the Investor class versions of the mutual funds. However, you can purchase a commission-free ETF version of these asset classes (U.S. stocks, international stocks, U.S. bonds) with Fidelity. These ETFs will often have lower expense ratios than the investor class version of the Fidelity mutual fund. The tickers are IVV (S&P 500), ITOT (total stock market), IEFA (international stocks), and AGG (U.S. Bonds).

      If you so desire (not necessary), you can switch to the Premium class mutual fund versions once you can invest >$10,000 in an asset class.

      -WSP

  6. Great to see portfolio tips for those investing with Fidelity as alot of the passive index fund talk is Vanguard centric. I’d be curious on your take on the Fidelity 4 in 1 Fund (FFNOX) as it is similar to your asset allocation recs above, it roughly includes:
    48% Fidelity SP 500 Index Fund
    12% Fidelity Extended Market Fund
    25% Fidelity International Index Fund
    15% Fidelity US Bond Index Fund

    all bundled at 0.13% expense ratio

  7. […] [Editor’s note: This was first published by the Wall Street Physician, a fellow physician blogger. He used to work on Wall Street but then saw the light and moved into medicine. He has some great information on his site and I often reference it when making financial decisions. I actually used this post to determine my asset allocation and set up my three-fund portfolio. I hope you find it as useful as I do. The original article is found here.] […]

  8. Thanks for the article. I believe Fidelity recently changed their Ticker Symbols on these funds. Would you update this article with the new symbols?

    I want to make sure I have the right funds..

    Thank you!

  9. Ok Lets say I decided with the 5 fund Portfolio? Whats the method to allocate the percentage between the funds. If 80/20 or 90/10 is my risk tolerance and If my age is 40 and single? (I like the idea of having REITs).

    Second does it really make sense to include Fidelity REITs in my Portfolio while actually investing in
    a renal property?

    • if you have a total stock market fund it will have some REITs included. I know that my FZROX from fidelity has 3% in REITS included. but if one wanted to tilt with more exposure to REITS there are reit funds at fidelity,Vanguard Schwab, etc.

  10. Very nice article, I read somewhere that Fidelity’s Zero funds pay out distributions only once per year but Fidelity internally reinvests the once a year dividends until distribution, so it isn’t actually a factor when it comes to tax efficiency. Is this correct?

  11. I have fidelity FZROX and it already has about 3% REITS exposure included. Also I have Vanguard Star which has some REIT exposure as well,(but since Star fund is a fund of funds I am not sure how much. < than 5% would be my guess. If i got a REIT fund separately it would likely be too punitive for me tax wise since i have to invest in a taxable brokerage account. I do not work so cannot have ira or 401 k or other such tax advantaged accounts.

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  14. Interesting article! Having just opened two Fidelity accounts, I am in the process of populating portfolios… I appreciate you taking the time to share valuable tips with the collective! All the best on all future endeavors!

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