Best Fidelity Mutual Funds (2022) (2022)

Best Fidelity Funds Overview

In the mutual fund world, Fidelity Investments stands at or near the top in terms of assets under management, number of funds offered, and reputation. There are more than 200 Fidelity Funds to choose from, so finding a fund that suits your investment needs is easy. Finding a fund that also outperforms most or all of its competitor funds is much more difficult. Here are the top 3 best-performing Fidelity Funds over the past 10 years. The list has been filtered to show those with at least a four-star rating from Morningstar, a minimum investment of $2,500, lower-than-average expense ratios when compared to peers, no upfront transaction fees, a fund history of at least 10 years, and a fund manager who has managed the fund for at least 10 years.

Screening for 10-plus years of the same manager running the fund shows how that manager performed during the bear market in 2008-2009 as well as the past five years of bull market with occasional corrections.

Fidelity Select Biotechnology Portfolio (FBIOX)

It is not surprising that a technology fund is the top Fidelity performer over the last 10 years. Biotechnology in particular is quite volatile, but can produce far above average returns if stocks are carefully selected. The fund invests in companies that engage in biotechnological products, services, and processes. The fund may also invest in companies that benefit directly from biotechnology in some way.

FBIOX normally invests at least 80% of its assets in these types of companies, and usually invests in common stocks, but may purchase other investments. The stocks tend to be mid-sized growth-oriented companies.

The fund's 10-year annualized return is 21.21%. It outperformed its benchmark indices and more than doubled the performance of the S&P-500 Index. The expense ratio is a low 0.72%. It has earned a four-star rating from Morningstar and ranks in the top 2% of funds in its category. It should be noted that FBIOX charges a 0.75% fee if shares are sold within 30 days of purchase.

Best Fidelity Mutual Funds (2022) (1)

Fidelity NASDAQ Composite Index Fund (FNCMX)

FNCMX is a passively-managed index fund that invests in the common stocks of the Nasdaq Composite Index, which is composed of the stocks of more than 5000 domestic and international companies that are listed on the Nasdaq Stock Market. Normally the fund is fully invested, but it may hold up to 20% cash or cash equivalents. Volatility will be higher than average because Nasdaq stocks are generally small or medium sized.

With index funds, expense ratios are vitally important, because passively-managed index funds are investing in the same portfolio of stocks and holding those stocks. Total returns won't vary much because the funds are not trading in and out or buying stocks outside the index. All other factors being equal, the index funds with the lowest expense ratios will outperform those with high expense ratios.

Video: Top 5 Fidelity Mutual Funds to Buy and Hold (2022)

The fund's 10-year annualized return is 18.31%, only 17 basis points below its benchmark index despite a net expense ratio of 0.30%. The expense ratio is about 75% lower than its benchmark's average expense ratio. It should be noted that FNCMX has a 0.75% fee if shares are sold within 90 days of purchase. There is also a 0.06% 12b-1 distribution fee.

FNCMX has earned a five star rating from Morningstar and ranks in the top 10% of funds in its category.

Best Fidelity Mutual Funds (2022) (2)

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Fidelity Contrafund (FCNTX)

FCNTX is a true contrarian fund whereby the manager looks for undervalued stocks and buys those stocks deemed likely to return to their full and fair valuation in the future. The fund invests in large-cap stocks—those with market values greater than $10 billion and with growth potential through price appreciation rather than dividend income. The fund may invest in both domestic and foreign companies.

FCNTX had a 10-year annualized return of 15.48% compared with its benchmark S&P 500 Index of 10.80%. The expense ratio is 0.85%, which is about a third lower that of the average expense ratio of its peers. It has earned a five-star rating from Morningstar and ranks in the top 16% of all funds in its category. There are no 12b-1 or redemption fees.

Best Fidelity Mutual Funds (2022) (3)

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Best Fidelity Target Retirement Funds. Fidelity Asset Allocation Mutual Funds in 2022

Best Fidelity Asset Allocation Funds

Target-dated funds have become quite popular in recent years as the Baby Boomers age into retirement. It's no surprise that Fidelity Investments, one of the giants in the brokerage business, offers a full complement of mutual funds that target certain retirement dates. Below are the top four Freedom Index mutual funds based on 5-year performance.

All of Fidelity's Target Index funds invest a certain percentage of assets into one of four Fidelity funds, each in a different asset class, and adjusts the asset allocation as the target date draws near. Data is from the Fidelity and Morningstar websites unless otherwise stated. All four funds have a $2500 minimum initial investment. Net expense ratios for all funds are 0.16%.

Fidelity Freedom Index 2050 Fund (FIPFX)

It is not surprising that one of the longer-dated funds has the best return over the past five years, thereby garnering the top spot of Fidelity's Targeted Index funds. With a long time horizon, a targeted retirement fund can and should invest more heavily in stocks, which have handily outperformed bonds over the past five years.

The four funds that comprise the 2050 fund's portfolio (and the 2045, 2040, and 2035 funds as well) are the Spartan Total Market Index Fund-Class F (FFSMX), the Fidelity Series Commodity Strategy Fund- Class F (FCSFX), the Fidelity Series Global Ex-U.S. Index Fund (FSGEX), and the Spartan U.S. Bond Index Fund-Class F (FUBFX).

As of 2022, the allocations in the fund were as follows: 61.63% in FFSMX, 1.38% in FSGEX, 26.59% in FFSMX, and 10.40% in FUBFX. Although three of these four funds are index funds, each Target Index fund is actively managed. The fund manager makes allocation decisions regularly, since the Fidelity Target Index funds don't seek to replicate any particular benchmark index.

Conservative investors who shy away from commodities should note that a commodity fund, FCSFX, is a small part of this portfolio and can be quite volatile over both the short and long term. The five-year annualized return for the 2050 Fund is 11.02% compared with its category average of 10.01%.

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Best Fidelity Mutual Funds (2022) (4)

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Fidelity Freedom Index 2045 Fund (FIOFX)

FIOFX is composed of the same four Fidelity funds that comprise the 2050 fund- FFSMX, FCSFX, FSGEX, and FUBFX. The difference in performance is no doubt due to asset allocation differences from several years ago that affected each fund differently.

With the target dates of both FIPFX and FIOFX in the distant future, 30-35 years out, identical asset allocation is not surprising, since long-term goals for that length of time are similar. The 2045 fund scored just below the Fidelity 2050 fund with an 11.02% annualized return over the past five years.

Best Fidelity Mutual Funds (2022) (5)

Fidelity Freedom Index 2040 Fund (FBIFX)

With a 25-year time frame until an investor in this fund might plan to retire, the 2040 fund is still weighted heavier in stocks than bonds. Its portfolio allocation is virtually identical to both the 2045 and 2050 funds. The five-year annualized return of the 2040 fund is 11.01%.

Best Fidelity Mutual Funds (2022) (6)


Targeted retirement-date mutual funds are relatively new but becoming increasingly popular. They promote the concept of one fund, set-it-and-forget-it retirement planning. Purchase the fund with the appropriate target retirement date and let the fund managers adjust the portfolio as the years pass. The risk of this approach is that history doesn't always repeat itself and long-term return differences between stocks and bonds may vary from the norm, which may cause an automatic rebalancing strategy based on years to retirement to underperform.

However, if simplicity is the primary concern, target retirement funds should be high on an investor's watch list. As with all mutual funds, the key is to find funds with low expenses and competent management. Also, make sure to understand the long-term strategy of the fund. Not all follow the same formulas for investment allocation. Fidelity's target index funds have all earned Morningstar Analyst Ratings of Silver, which means they are likely to outperform their peers in the future.

Video: 5 Best FIDELITY INDEX FUNDS [2022]: Beginner Friendly 🤑

Best Fidelity Funds Summary

Fidelity offers one of the largest numbers of mutual funds of any fund family, and has two solid actively-managed funds which have proven to be consistent outperformers — Select Biotechnology Portfolio and Contrafund. Any serious investor should consider Fidelity funds when making their mutual fund investment decisions.
While Fidelity offers excellent brokerage services, it clearly has stiff competition. TD Ameritrade would be a better choice for investors who need advanced trading technology, while Firstrade is a great option for fund traders. Ally Invest is ideal for investors interested in retirement trading.

Fidelity Highlights

Fidelity charges $0 to buy any of its more than 200 proprietary mutual funds. Fidelity also doesn't charge a commission to buy a non-Fidelity No Transaction Fee (NTF) fund. They do charge a commission of $49.95 to sell these funds if they are held less than 2 months. Considering that Fidelity offers more than 3,500 NTF funds, an investor can effectively invest in mutual funds through Fidelity for no cost.

Most online brokers offer certain NTF funds, so investors need to check each broker's website to determine if the mutual fund they wish to purchase will cost them a commission.

Fidelity Account Maintenance and Annual Fees

The trend with online brokers is toward no fees for account maintenance and inactivity, and Fidelity is competitive with most brokers at $0 for both account maintenance and inactivity. There are no annual fees at Fidelity.

Only Wellstrade and Vanguard assess these fees. Vanguard waives its $20 annual account maintenance fee if a minimum balance in its funds and/or ETFs of $50,000 is maintained, or if electronic delivery of statements and other information is elected.

Fidelity IRA Setup and Annual Fees

As with other fees, the trend in IRA fees is toward zero. Fidelity charges no setup or annual fees for regular IRAs, either Traditional or Roth. Vanguard will charge its $20 annual fee for IRA accounts only if the account balance is below $50,000 in Vanguard funds or ETFs, or if the investor has not chosen to receive statements and other information electronically.

Investment Research

Fidelity offers in-depth research for stocks, ETF’s, options, and mutual funds. Customers have access to free stock and ETF reports from Zacks, Morningstar, S&P Capital IQ, Thomson Reuters, and others.

Fidelity has a virtual learning center where investors will find videos, articles and webinars on a wide range of financial topics.


For the most part, the answer to a question "Are Fidelity Fees High?" is the following: Fidelity offers competitive commissions and fees when compared to the Big Six online brokers. The free trading they offer in their proprietary mutual funds and NTF funds offsets their nominal weakness in mutual fund commissions. Investors should determine what types of investments they intend to trade as well as what fund or ETF families they intend to trade in order to make a wise choice of broker. But Fidelity, being one of the giants and offering many advantages in addition to competitive pricing, is worthy of consideration by all investors.

For investors looking for the best commissions and fees Ally Invest are clearly much more attractively priced than Fidelity for mutual fund investors and options traders and matches it in stocks and ETFs pricing.


Which mutual fund is best for 2022?

Top 10 mutual funds to invest in 2022
  • Axis Bluechip Fund.
  • Mirae Asset Large Cap Fund.
  • Parag Parikh Long Term Equity Fund.
  • UTI Flexi Cap Fund.
  • Axis Midcap Fund.
  • Kotak Emerging Equity Fund.
  • Axis Small Cap Fund.
  • SBI Small Cap Fund.
5 days ago

Which Fidelity fund has highest return?

Fidelity Growth Company is Fidelity's best large-company growth fund. Over the past decade, manager Steven Wymer has delivered a 22.7% annualized total return to shareholders, which trounces the 16.2% gain in the S&P 500.

Which funds will do best in 2021?

Top 10 most-popular investment funds: June 2021
RankFundRanking change since previous month
1Fundsmith EquityNo change
2Vanguard LifeStrategy 80% EquityNo change
3Baillie Gifford AmericanUp 1
4Vanguard LifeStrategy 60% EquityDown 1
6 more rows

Which type of mutual fund gives highest return?

Best Performing Equity Mutual Funds
Fund Name3-year Return (%)*5-year Return (%)*
Tata Digital India Fund Direct-Growth30.68%29.67%
ICICI Prudential Technology Direct Plan-Growth34.35%28.64%
Aditya Birla Sun Life Digital India Fund Direct-Growth31.94%27.72%
SBI Technology Opportunities Fund Direct-Growth28.40%26.16%
6 more rows

Which mutual fund is best for 10 years?

1] Nippon India Small Cap Fund: This growth fund has given better return than its category average in last 10 years.

What is the safest Fidelity investment?

A bond can be one of the safer investments, and bonds become even safer as part of a fund. Because a fund might own hundreds of bond types, across many different issuers, it diversifies its holdings and lessens the impact on the portfolio of any one bond defaulting.

Is Fidelity good for mutual funds?

Mutual funds: Fidelity has a strong reputation for its mutual funds: The broker scores well across every funds category with a large selection of no-transaction-fee funds, including its Fidelity Zero index funds, which have no expense ratio and no minimum investment requirement.

Is Fidelity 500 index fund a good buy?

Fidelity 500 Index Fund (FXAIX)

FXAIX posts returns that have historically outperformed its benchmark index, and it offers a 1.30% dividend yield that's pretty competitive.

Which mutual fund is worst performers?

Funds Performance (6 months)
Fund Name%
2 more rows

Where can I invest 2021?

Here are the five ways you can invest your P100,000 savings:
  • Invest in blue chip stocks. ...
  • Invest in income stocks and bonds. ...
  • Invest in high growth stocks. ...
  • Invest in real estate. ...
  • Invest in startup businesses.

What is the most popular investment?

Recap of the 11 best investments in 2022
  • High-yield savings accounts.
  • Short-term certificates of deposit.
  • Short-term government bond funds.
  • Series I bonds.
  • Short-term corporate bond funds.
  • S&P 500 index funds.
  • Dividend stock funds.
  • Value stock funds.

What is better Fidelity or Vanguard?

While both apps are well-rated on the App Store, Fidelity has far more reviews. Vanguard has 4.7 stars from about 170,000 reviews, while Fidelity has a 4.8-star rating from some 1.9 million reviews. 23 Overall, we found that Fidelity's app offers more functionality and will be valuable to a greater range of investors.

Is Fidelity Blue Chip Growth A Good investment?

Overall, Fidelity Blue Chip Growth ( FBGRX ) has a high Zacks Mutual Fund rank, and in conjunction with its comparatively strong performance, average downside risk, and lower fees, Fidelity Blue Chip Growth ( FBGRX ) looks like a good potential choice for investors right now.

What should I invest in right now?

Overview: Top long-term investments in June 2022
  • Growth stocks. In the world of stock investing, growth stocks are the Ferraris. ...
  • Stock funds. ...
  • Bond funds. ...
  • Dividend stocks. ...
  • Value stocks. ...
  • Target-date funds. ...
  • Real estate. ...
  • Small-cap stocks.
6 days ago

What are the best 5 star mutual funds?

Top Rated Funds
Fund nameFund name1 Year 1 Year 3 Years 5 Years 10 Years 1 Year 3 Years 5 Years 10 Years
Axis Bluechip DirAxis Bluechip Dir0.35
Baroda BNP Paribas Large Cap DirBaroda BNP Paribas Large Cap Dir6.45
Canara Robeco Bluechip Eqt Dir | Invest OnlineCanara Robeco Bluechip Eqt Dir | Invest Online4.61
38 more rows

Which is the best mutual fund to invest for long term?

Top Performing Long-Term Mutual Funds to Invest in 2022
Fund NameCategory3 Year Returns
Axis Bluechip FundLarge-Cap Equity23.50%
Mirae Asset Large Cap FundLarge-Cap Equity22.30%
Parag Parikh Flexi Cap fundDiversified31.40%
Invesco India Growth Opportunities FundDiversified19.9%
6 more rows

Which mutual fund gives highest return in 5 years?

1) Axis Bluechip Fund Direct-Growth

Axis Bluechip Fund Direct Plan-Growth is an Equity Mutual Fund Scheme launched by Axis Mutual Fund and is the Highest Return Mutual Fund in Last 5 Years.

Which mutual fund is best for next 20 years?

12 Best SIPs For 10-20 Year Investment In FY 21 - 22
Fund Name5-Year Returns (In%)AUM (In ₹ Cr)
Axis Focus 25 Fund20.4319,456
IDFC Banking & PSU Debt Fund7.6218,069
ICICI Prudential Corporate Bond Fund7.9319,104
HDFC Money Market Fund6.4314,185
8 more rows

How many years should I invest in mutual funds?

Mutual funds have sales charges, and that can take a big bite out of your return in the short run. To mitigate the impact of these charges, an investment horizon of at least five years is ideal.

What is the average mutual fund return over the last 20 years?

Investors earned an average of 4.67% on mutual funds over the last 20 years. This is 3.52% less than the average S&P 500 index return.

Does Fidelity have a safe fund?

Fidelity offers government, prime, and municipal (or tax-exempt) money market funds, and is an industry leader, managing over $800 billion in total money market assets. This fund generally invests at least 99.5% of the fund's total assets in cash, US government securities and repurchase agreements.

What are the safest mutual funds?

Bond Mutual Funds

The three types of bond funds considered safest are government bond funds, municipal bond funds, and short-term corporate bond funds.

How many mutual funds should I have?

It's best to hold at least three or four mutual funds with different styles and objectives if you're like most investors. They should reduce volatility by combining fund types that don't share the same features. Stock funds may decline a great deal in value in a bear market.

Can you get rich with mutual funds?

It's definitely possible to become rich by investing in mutual funds. Because of compound interest, your investment will likely grow in value over time. Use our investment calculator to see how much your investment could be worth as time goes on.

Does money double every 7 years?

According to Standard and Poor's, the average annualized return of the S&P index, which later became the S&P 500, from 1926 to 2020 was 10%.  At 10%, you could double your initial investment every seven years (72 divided by 10).

What is the average mutual fund return?

How Mutual Funds Compare to Other Investments. Looking at the seven major categories of mutual funds above, the average annualized return for 2021 was 11.54%.

What Fidelity fund is similar to S&P 500?

If you're looking for an alternative index fund to the S&P 500, consider the Fidelity Nasdaq Composite Index Fund (FNCMX, $189.26).

Which is better VOO or FXAIX?

FXAIX is a mutual fund, whereas VOO is an ETF. FXAIX has a higher 5-year return than VOO (13.48% vs 13.46%). FXAIX has a lower expense ratio than VOO (0.02% vs 0.03%).

Does Fidelity S&P 500 pay dividends?

The current dividend payout for stock Fidelity 500 Index Fund (FXAIX) as of June 5, 2022 is 1.85 USD. The forward dividend yield for FXAIX as of June 5, 2022 is 1.27%. Average dividend growth rate for stock Fidelity 500 Index Fund (FXAIX) for past three years is 2.17%.

What mutual funds have averaged 12 percent?

However, there really is a mutual fund that has averaged 12% since 1934.
The asset mix is as follows:
  • Growth and Income-30% Fundamental Investors Fund (ANCFX)
  • Growth-30% AMCAP Fund (AMCPX)
  • International-25% EuroPacific Growth Fund (AEPGX)
  • Aggressive Growth-15% Smallcap World Fund (SMCWX)

Is money loss in mutual fund?

With mutual funds, you may lose some or all of the money you invest because the securities held by a fund can go down in value. Dividends or interest payments may also change as market conditions change.

Which fund has highest NAV?

Equity Hybrid Debt Solution Oriented Others Filter
Scheme NamePlanNAV
ICICI Prudential Regular Gold Savings Fund (FOF) - Direct Plan - GrowthDirect Plan17.0859
DSP Global Allocation Fund - Direct Plan - GrowthDirect Plan16.8153
Aditya Birla Sun Life Silver ETF Fund of Fund - Direct Plan - GrowthDirect Plan10.2205
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Is now a good time to invest in the stock market 2022?

If you're ready to invest and don't need the money for at least five years, then yes, jump in. Even when the market has lows — and 2022 is off to a rocky start — if you're invested for the long term, you'll have time to recover losses.

Are I bonds a good investment 2022?

Since you can't cash out I bonds for a year, they're not a good option for your emergency fund. Having long-term investments is just as important. That 9.62% interest rate may be especially appealing in lieu of the stock market's lousy performance thus far in 2022.

What is the safest investment with the highest return?

9 Safe Investments With the Highest Returns
  • Certificates of Deposit.
  • Money Market Accounts.
  • Treasury Bonds.
  • Treasury Inflation-Protected Securities.
  • Municipal Bonds.
  • Corporate Bonds.
  • S&P 500 Index Fund/ETF.
  • Dividend Stocks.

Where should I invest 5000 right now?

Here are some of the best places to invest $5,000.
  1. Invest in Fractional Shares with Robinhood. ...
  2. Beat Your Savings Account Rate with BlockFi. ...
  3. Build a Micro Real Estate Portfolio with Fundrise. ...
  4. Start a Roth IRA. ...
  5. Let Robots Invest for You With Betterment. ...
  6. Diversify by Investing in ETFs.

Where should I invest 10k right now?

  • First, decide what your goal is. ...
  • Stash it in a high-yield savings account. ...
  • Start or add to your emergency fund. ...
  • Try out self-directed brokerage accounts. ...
  • If you're a beginner, stick with mutual funds and exchange-traded funds (ETFs) ...
  • Use a robo-advisors for hands-off investing. ...
  • Stick it in U.S. Treasuries.

Which investment gives best return?

For those looking to get higher returns on their savings, here's a list of the best investment options for you to make your wealth grow.
  • Saving Account.
  • Liquid Funds.
  • Short-Term & Ultra Short-Term Funds.
  • Equity Linked Saving Schemes (ELSS)
  • Fixed Maturity Plans.
  • Treasury Bills.
  • Gold.

Should I switch from Fidelity to Vanguard?

Re: Should I move from Fidelity to Vanguard? Yes. Especially for the IRA account. For bond index funds, Vanguard is much better than Fidelity, both in selection & expense ratio.

Is Fidelity better than Robinhood?

Although Robinhood is typically thought of as a beginner-friendly investing app, Fidelity actually earned the title of Best Broker for Beginning Investors and the Best App for Investing in NerdWallet's 2022 Best-Of Awards.

Does Fidelity have hidden fees?

The good news is that the bait — Fidelity Zero Total Market Index Fund and Fidelity Zero International Index Fund — is as advertised: There are no hidden fees, and costs are not simply waived temporarily.

Which Fidelity funds pay the highest dividends?

3 Best Fidelity Funds for Dividends
  • Fidelity Equity Dividend Income Fund.
  • Fidelity Growth and Income Portfolio.
  • Fidelity Equity Income Fund.

What Fidelity funds invest in Tesla?

Top 10 Mutual Fund Holdings by Shares Held
NameReporting DateOutstanding Shares Owned
New Perspective Fund Inc (i)12/31/211.03%
SPDR S&P 500 ETF Trust (i)02/28/220.84%
Fidelity 500 Index Fund (i)02/28/220.80%
7 more rows

Which Fidelity fund invests in SpaceX?

Purchase Google Stock

Fidelity also participated in a 2020 investment round for SpaceX.

Which share will grow in future?

Great growth stocks
Company3-Year Sales Growth CAGRIndustry
Amazon (NASDAQ:AMZN)24%E-commerce and cloud computing
Meta Platforms (NASDAQ:FB)24%Digital advertising (NYSE:CRM)22%Cloud software
Alphabet (NASDAQ:GOOG), (NASDAQ:GOOGL)22%Digital advertising
6 more rows

What is the best investment for beginners?

Best investments for beginners
  1. High-yield savings accounts. This can be one of the simplest ways to boost the return on your money above what you're earning in a typical checking account. ...
  2. Certificates of deposit (CDs) ...
  3. 401(k) or another workplace retirement plan. ...
  4. Mutual funds. ...
  5. ETFs. ...
  6. Individual stocks.

What can I invest 1000 dollars in?

  • How to invest $1,000 to make money fast.
  • Play the stock market.
  • Invest in a money-making course.
  • Trade commodities.
  • Trade cryptocurrencies.
  • Use peer-to-peer lending.
  • Trade options.
  • Flip real estate contracts.


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