FXAIX vs RSP: Yield, Cost and Returns Compared
As of Nov 5, 2026, RSP yields more: 1.45% (dividend yield) against 1.05% for FXAIX. FXAIX is cheaper to own at 0.01% a year vs 0.20%. Over the same 15 years (May 2011 to Oct 2026), FXAIX returned 13.9% a year with distributions reinvested, and RSP 12.0%.
| Compared | FXAIX | RSP |
|---|---|---|
| YieldDividend yield | 1.05% | 1.45% |
| Expense ratio | 0.01% | 0.20% |
| Total return, 1 yr | +12.1% | +18.0% |
| Total return, 3 yr (a year) | +23.4% | +19.0% |
| Total return, 5 yr (a year) | +12.0% | +8.5% |
| Total return, 10 yr (a year) | +15.4% | +12.2% |
| Worst drop since May 2011 | -23.9% | -26.7% |
| Share price since May 2011 | +452% | +322% |
| Pays | Quarterly | Quarterly |
| Issuer | Fidelity | Invesco |
| Assets | $850.8B | $100.7B |
| Started | 2011 | 2003 |
| Type | Large Blend | Large Blend |
Higher yield
RSP
1.45%
Lower cost
FXAIX
0.01%
Better total return
FXAIX
13.9%/yr
Smaller worst drop
FXAIX
-23.9%
Key facts: FXAIX vs RSP
Data as of · Source: SmarterDividends data
- As of Nov 5, 2026, FXAIX yields 1.05% (dividend yield) and RSP yields 1.45% (dividend yield).
- FXAIX's expense ratio is 0.01% and RSP's is 0.20%: $1 vs $20 a year on $10,000.
- From May 2011 to Oct 2026, $10,000 in FXAIX grew to $74,128 (13.9% a year) and $10,000 in RSP to $57,030 (12.0% a year), distributions reinvested.
- Their worst month-end drops over that time: -23.9% for FXAIX and -26.7% for RSP.
- 0 of FXAIX's top ten holdings are also in RSP's top ten.
Cite this page
SmarterDividends, "FXAIX vs RSP: Yield, Cost and Returns Compared," updated Nov 5, 2026, https://smarterdividends.com/compare/fxaix-vs-rsp
$10,000 in each, May 2011 to Oct 2026
Distributions reinvested, month-end values, with the S&P 500 for reference.
FXAIX became
$74,128
13.9% a year
RSP became
$57,030
12.0% a year
Year by year
| Year | FXAIX | RSP |
|---|---|---|
| 2025 | +17.8% | +11.2% |
| 2024 | +25.0% | +12.8% |
| 2023 | +26.3% | +13.7% |
| 2022 | −18.1% | −11.6% |
| 2021 | +28.7% | +29.4% |
| 2020 | +18.4% | +12.7% |
| 2019 | +31.5% | +28.9% |
| 2018 | −4.4% | −7.8% |
| 2017 | +21.8% | +18.5% |
| 2016 | +12.0% | +14.5% |
| 2015 | +1.4% | −1.7% |
| 2014 | +13.7% | +15.1% |
| 2013 | +32.4% | +36.7% |
| 2012 | +16.0% | +18.6% |
Total return each calendar year, distributions reinvested.
Top holdings
No overlap in the top ten.
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%
RSP
- MRNA Moderna Inc0.3%
- PTC PTC Inc0.3%
- ACN Accenture PLC Class A0.3%
- IT Gartner Inc0.3%
- HAS Hasbro Inc0.3%
- P Everpure Inc Class A0.3%
- MTD Mettler-Toledo International Inc0.3%
- CRL Charles River Laboratories International Inc0.3%
- CCL Carnival Corporation Ltd0.2%
- RVTY Revvity Inc0.2%
FXAIX vs RSP: questions
Is FXAIX or RSP better?
It depends on the job. RSP pays more today (1.45% vs 1.05%), FXAIX costs less, and FXAIX has the better total return over May 2011 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, FXAIX or RSP?
RSP, at 1.45% against 1.05% for FXAIX as of Nov 5, 2026. On $10,000 that's about $145 vs $105 a year at today's rates.
Which has the better total return?
FXAIX. From May 2011 to Oct 2026, it returned 13.9% a year with distributions reinvested, against 12.0% for RSP. $10,000 became $74,128 vs $57,030.
Which is cheaper, FXAIX or RSP?
FXAIX, with a 0.01% expense ratio against 0.20%.
Do FXAIX and RSP hold the same things?
Not at the top: none of their top ten holdings match.
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 6 of 8 measures above. For information only, not investment advice. Last fund data: Nov 5, 2026.