0% expense ratio — only available at Fidelity.
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Fidelity ZERO Total Market (FZROX) is a zero-fee index fund in the index funds category regulated by SEC and Investment Company Act 1940. Founded in 2018 and headquartered in Boston, MA, operating for 8 years, it is most often used for acting as the long-term core of a retirement portfolio.
Why people search for this
Track a broad market index at the lowest possible cost and let compounding do the work.
Fidelity ZERO Total Market (FZROX) fits best when you are acting as the long-term core of a retirement portfolio, and specifically when cheapest diversified core for a long-term plan. It also suits investors who default option in most 401(k) and ira portfolios.
It is not the right pick for someone who needs a fundamentally different product from a zero-fee index fund.
Fidelity ZERO Total Market (FZROX)'s headline cost is expense ratio at See attributes. Secondary line items include account / load fees (Typically none). Always cross-check fees against the operator's current pricing page — schedules change without notice.
Fidelity ZERO Total Market (FZROX) is registered with or supervised by SEC (verify on SEC EDGAR), Investment Company Act 1940. Regulatory registration is not a guarantee against loss — it means the firm operates under a defined rule-book and is subject to enforcement when it doesn't.
The closest peer to Fidelity ZERO Total Market (FZROX) in this directory is Fidelity 500 Index Fund (FXAIX), also a s&p 500 index fund. On expense ratio the two differ visibly — Fidelity ZERO Total Market (FZROX) shows 0.00%, while Fidelity 500 Index Fund (FXAIX) shows 0.015%. If you are torn, open both side by side in the compare tool to see every attribute laid out in one table.
| Attribute | Fidelity ZERO Total Market (FZROX) | Fidelity 500 Index Fund (FXAIX) |
|---|---|---|
| Expense ratio | 0.00% | 0.015% |
| Index tracked | Fidelity US Total Investable Market | S&P 500 |
| Minimum | $0 | $0 |
| Type | Mutual fund | Mutual fund |
Fidelity ZERO Total Market (FZROX) is a zero-fee index fund in the index funds category, headquartered in Boston, MA. 0% expense ratio — only available at Fidelity.
Fidelity ZERO Total Market (FZROX) is a passive index fund first offered around 2018. It tracks the benchmark named in its attributes, holds roughly the underlying constituents at index weights, and is one of the lowest-cost ways to gain that exposure in a US retail account.
The table below lists every fee Fidelity ZERO Total Market (FZROX) discloses in its current pricing schedule, drawn from the operator's own published pages. Compare line items against rivals in the index funds compare tool before settling on a primary account.
| Expense ratio | See attributes |
|---|---|
| Account / load fees | Typically none |
This is the structured feature matrix MoneyMoodBoard editors track for every index funds listing. A green check means fully supported, an orange dash means conditional on tier or geography, and a red cross means the feature is unavailable today.
These are first-party reviews submitted by verified MoneyMoodBoard readers who actually use Fidelity ZERO Total Market (FZROX). The average rating is 4.6 of five across 170 ratings, with the distribution and individual write-ups visible below for context.
4.6 / 5
Based on 170 ratings
Seed review summarising public sentiment about Fidelity ZERO Total Market (FZROX): 0% expense ratio — only available at Fidelity. Users generally agree with the rating shown, with the trade-offs listed in the cons section being the most cited drawback.
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Before opening an account with Fidelity ZERO Total Market (FZROX), it helps to understand the category itself. The five short sections below explain how index funds work, who they suit, the main risks, where they fit in a plan, and the US regulatory rules.
Index funds are the simplest credible way to invest. They hold what the index holds, charge close to nothing, and over long periods beat most actively managed alternatives.
The fund buys the same securities as a benchmark such as the S&P 500 in the same proportions. Your return mirrors the index minus the fund's small expense ratio.
Pretty much every long-horizon investor. Index funds are the recommended core holding in most personal-finance writing for a reason.
You get the entire downside of the index in a bear market. There's no manager trying to soften the fall — diversification across asset classes, not stock picking, is the answer.
A two- or three-fund portfolio of total US stock, total international stock and total bond market index funds is the backbone of mainstream personal-finance advice. Index funds also dominate workplace plans where they're available. Active satellites, if any, sit around this core — not in place of it.
Index funds are SEC-registered investment companies. Their expense ratios are disclosed in the prospectus and deducted daily from NAV. The 'index' itself is licensed from a provider (S&P, MSCI, FTSE Russell, CRSP) and methodology changes are publicly documented.
Quick definitions for terms used across index funds listings.
Short answers to the questions people most commonly type into search when researching Fidelity ZERO Total Market (FZROX). Each answer is composed from this listing's own data — regulator footprint, fees, headquarters, ratings — so it reflects the current state rather than a generic template.
These are the closest peers to Fidelity ZERO Total Market (FZROX) inside the index funds category on MoneyMoodBoard. Open any card to compare fees, features, regulation and verified user reviews side by side, or add them to the compare tray to evaluate up to four together.
Total Market Index Mutual Fund
Total US market index mutual fund with no minimums and an institutional expense ratio.
S&P 500 index fund
No-minimum S&P 500 index fund with a tiny expense ratio.
Mid-cap index fund
Russell Mid Cap index fund.
All numeric values, regulatory statuses and license details on this page reference primary sources above. Verify before depositing funds — schedules and registrations change without notice.