Top 7 Low-Cost Fidelity Mutual Funds in 2025 with Fees Starting from 0%

Fidelity Investments remains a global leader in asset management, managing over $5.3 trillion in assets as of March 2024. Founded in 1946, Fidelity provides a comprehensive range of mutual funds, ETFs, retirement plans, and investment advice, all while focusing on cost efficiency.

Key Highlights

• Fidelity manages $5.3 trillion in assets, ranking among the world's largest financial firms.
• Known for its online brokerage, Fidelity also offers competitively priced index and actively managed funds.
• This article highlights seven standout low-fee Fidelity mutual funds ideal for cost-conscious investors.

Fidelity’s Low-Cost Fund Offerings

Fidelity's extensive mutual fund lineup includes many ultra-low-cost options. Keeping expense ratios low is crucial, as fees directly reduce investment returns. Index mutual funds, which passively track market benchmarks, typically offer the lowest fees and serve as excellent portfolio foundations. Fidelity’s index funds combine solid historical returns with some of the lowest fees in the industry.

1. Fidelity 500 Index Fund (FXAIX)

With $534 billion in assets under management at Q1 2024, FXAIX tracks the S&P 500 Index with an exceptionally low net expense ratio of just 0.015%. This means investors pay only 15 cents annually per $1,000 invested. FXAIX is a no-load fund highly rated by Morningstar, making it a top choice for cost-sensitive investors.

2. Fidelity NASDAQ Composite Index Fund (FNCMX)

FNCMX tracks the NASDAQ Composite with a low 0.29% expense ratio and manages over $15 billion. While slightly higher than FXAIX, this remains one of the most affordable funds in its category.

3. Fidelity ZERO International Index Fund (FZILX)

FZILX offers international exposure with zero expense ratio and no loads, managing $4 billion. By focusing on large global companies, it minimizes risks associated with currency fluctuations and global research costs.

4. Fidelity Mid Cap Stock Fund (FMCSX)

FMCSX provides active management of mid-cap stocks at a 0.80% expense ratio. Though higher than index funds, it offers potential outperformance with professional management, suitable for investors seeking growth in medium-sized companies.

5. Fidelity Real Estate Investment Portfolio (FRESX)

FRESX invests over 80% in domestic and international real estate securities. With $2.5 billion in assets and a 0.67% expense ratio, it adds valuable diversification for investors interested in real estate exposure.

6. Fidelity Inflation-Protected Bond Index Fund (FIPDX)

FIPDX focuses on Treasury Inflation-Protected Securities (TIPS), managing $9.4 billion. With a 0.05% expense ratio and a four-star Morningstar rating, it serves as a defensive holding against economic inflation risk.

7. Fidelity ZERO Total Market Index Fund (FZROX)

FZROX covers the entire U.S. equity market, including small, mid, and large-cap stocks. It charges zero fees with no loads and manages over $20 billion, making it an excellent all-in-one fund despite a moderate Morningstar rating.

Additional Information

Fidelity offers more than 200 mutual funds across various asset classes and strategies. Their first mutual fund, the Puritan Fund, debuted in 1947 focusing on income stocks. Many Fidelity funds require no minimum investment and feature no-load structures, with several ZERO funds offering 0% expense ratios to maximize investor returns.

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