FNILX vs FXAIX: Yield, Cost and Returns Compared
As of Nov 5, 2026, FXAIX yields more: 1.05% (dividend yield) against 0.90% for FNILX. FNILX is cheaper to own at 0.00% a year vs 0.01%. Over the same 8 years (Sep 2018 to Oct 2026), FNILX returned 14.3% a year with distributions reinvested, and FXAIX 14.3%.
| Compared | FNILX | FXAIX |
|---|---|---|
| YieldDividend yield | 0.90% | 1.05% |
| Expense ratio | 0.00% | 0.01% |
| Total return, 1 yr | +11.4% | +12.1% |
| Total return, 3 yr (a year) | +23.5% | +23.4% |
| Total return, 5 yr (a year) | +11.7% | +12.0% |
| Total return, 10 yr (a year) | — | +15.4% |
| Worst drop since Sep 2018 | -24.8% | -23.9% |
| Share price since Sep 2018 | +171% | +158% |
| Pays | Annual | Quarterly |
| Issuer | Fidelity | Fidelity |
| Assets | $19.3B | $850.8B |
| Started | 2018 | 2011 |
| Type | Large Blend | Large Blend |
Higher yield
FXAIX
1.05%
Lower cost
FNILX
0.00%
Better total return
FNILX
14.3%/yr
Smaller worst drop
FXAIX
-23.9%
Key facts: FNILX vs FXAIX
Data as of · Source: SmarterDividends data
- As of Nov 5, 2026, FNILX yields 0.90% (dividend yield) and FXAIX yields 1.05% (dividend yield).
- FNILX's expense ratio is 0.00% and FXAIX's is 0.01%: $0 vs $1 a year on $10,000.
- From Sep 2018 to Oct 2026, $10,000 in FNILX grew to $29,551 (14.3% a year) and $10,000 in FXAIX to $29,488 (14.3% a year), distributions reinvested.
- Their worst month-end drops over that time: -24.8% for FNILX and -23.9% for FXAIX.
- 9 of FNILX's top ten holdings are also in FXAIX's top ten, an overlap of at least 36% of the fund.
Cite this page
SmarterDividends, "FNILX vs FXAIX: Yield, Cost and Returns Compared," updated Nov 5, 2026, https://smarterdividends.com/compare/fnilx-vs-fxaix
$10,000 in each, Sep 2018 to Oct 2026
Distributions reinvested, month-end values, with the S&P 500 for reference.
FNILX became
$29,551
14.3% a year
FXAIX became
$29,488
14.3% a year
Year by year
| Year | FNILX | FXAIX |
|---|---|---|
| 2025 | +17.8% | +17.8% |
| 2024 | +25.5% | +25.0% |
| 2023 | +27.5% | +26.3% |
| 2022 | −19.4% | −18.1% |
| 2021 | +26.7% | +28.7% |
| 2020 | +21.1% | +18.4% |
| 2019 | +31.8% | +31.5% |
Total return each calendar year, distributions reinvested.
Top holdings
9 of the top ten overlap, at least 36% of each fund.
FNILX
- NVDA NVIDIA Corp8.1%
- AAPL Apple Inc7.2%
- MSFT Microsoft Corp5.6%
- AMZN Amazon.com Inc3.6%
- GOOGL Alphabet Inc Class A3.0%
- AVGO Broadcom Inc2.4%
- GOOG Alphabet Inc Class C2.4%
- META Meta Platforms Inc Class A2.3%
- MU Micron Technology Inc1.8%
FXAIX
- NVDA NVIDIA Corp8.4%
- AAPL Apple Inc7.4%
- MSFT Microsoft Corp5.8%
- AMZN Amazon.com Inc3.7%
- GOOGL Alphabet Inc Class A3.1%
- AVGO Broadcom Inc2.5%
- GOOG Alphabet Inc Class C2.5%
- META Meta Platforms Inc Class A2.4%
- MU Micron Technology Inc1.8%
- TSLA Tesla Inc1.5%
FNILX vs FXAIX: questions
Is FNILX or FXAIX better?
It depends on the job. FXAIX pays more today (1.05% vs 0.90%), FNILX costs less, and FNILX has the better total return over Sep 2018 to Oct 2026, with FXAIX holding up better in its worst stretch. For income, look at yield and whether the payouts hold up; for growth, total return and drawdowns.
Which pays a higher dividend, FNILX or FXAIX?
FXAIX, at 1.05% against 0.90% for FNILX as of Nov 5, 2026. On $10,000 that's about $105 vs $90 a year at today's rates.
Which has the better total return?
FNILX. From Sep 2018 to Oct 2026, it returned 14.3% a year with distributions reinvested, against 14.3% for FXAIX. $10,000 became $29,551 vs $29,488.
Which is cheaper, FNILX or FXAIX?
FNILX, with a 0.00% expense ratio against 0.01%.
Do FNILX and FXAIX hold the same things?
Partly. 9 of their top ten holdings match (NVDA, AAPL, MSFT, AMZN), at least 36% of each fund. Owning both doubles up on those.
Related comparisons
Yields, costs and holdings as each fund reports them (via Yahoo Finance), updated daily; returns from month-end prices with distributions reinvested. FXAIX leads on 4 of 7 measures above. For information only, not investment advice. Last fund data: Nov 5, 2026.