Top 5 Fidelity Index Funds to Hold for the Next 10 Years (2025–2035)

If you’re serious about building long-term wealth passively and steadily, Fidelity’s index funds are among the smartest options available. Known for ultra-low fees, broad diversification, and excellent tracking performance, these funds make it easy for anyone—from beginners to seasoned investors—to ride the wave of long-term market growth without paying active management premiums.

🔍 Why Fidelity Index Funds Deserve Your Attention

✅ Zero Expense Ratio Funds – Fidelity pioneered no-fee index funds
✅ Trusted Brand – With over $4.5 trillion in AUM, it’s a financial powerhouse
✅ Low Turnover – Most funds are tax-efficient
✅ Wide Selection – US, international, small-cap, bond, and sector-specific options
✅ Investor-Centric Philosophy – Transparent, simple, long-term focused

📈 Top Fidelity Index Funds to Hold for the Next 10 Years

Here are 5 Fidelity Index Funds with high potential for compounding, broad market exposure, and low cost—tailored to diverse investment goals.

1️⃣ Fidelity ZERO Total Market Index Fund (FZROX)

💼 Ideal For: Core U.S. market exposure at zero cost
Expense Ratio: 0.00%
Category: Total U.S. Stock Market
Dividend Yield: ~1.3%
Risk Level: Moderate

📌 Why Hold for 10 Years?

• Includes large-, mid-, and small-cap U.S. stocks

• Built for long-term appreciation of the entire U.S. economy

• Zero fees = better compounding over time

• Historically, total market funds outperform managed funds in most decades

Best For: Young investors, FIRE followers, or anyone building a long-term base.

2️⃣ Fidelity 500 Index Fund (FXAIX)

💼 Ideal For: S&P 500 exposure
Expense Ratio: 0.015%
Category: Large-Cap U.S. Stocks
Dividend Yield: ~1.5%
Risk Level: Low to Moderate

📌 Why Hold for 10 Years?

• Tracks the S&P 500—the 500 most valuable U.S. companies

• Proven long-term CAGR of 10%+ over decades

• Highly liquid and tax-efficient

• Well-diversified across all sectors (Tech, Healthcare, Financials)

Best For: Retirement portfolios, passive investors, and 401(k) holders.

3️⃣ Fidelity ZERO International Index Fund (FZILX)

💼 Ideal For: Non-U.S. market diversification
Expense Ratio: 0.00%
Category: International Stocks (Developed & Emerging)
Dividend Yield: ~2%
Risk Level: Moderate to High

📌 Why Hold for 10 Years?

• Global economic growth is accelerating in Asia, Europe, and Latin America

• Emerging markets may outperform the U.S. in the coming decade

• Helps reduce overconcentration in U.S. equities

• No expense ratio means better margin over time

Best For: Diversified portfolios and global investors.

4️⃣ Fidelity U.S. Bond Index Fund (FXNAX)

💼 Ideal For: Stability and income
Expense Ratio: 0.025%
Category: Intermediate-Term Bond
Yield: ~4.3% (as of 2025)
Risk Level: Low

📌 Why Hold for 10 Years?

• Diversified across U.S. Treasury, corporate, and mortgage bonds

• Acts as a cushion during equity downturns

• Likely to benefit from falling interest rates post-2025

• Adds stability to retirement and conservative portfolios

Best For: Conservative investors, retirees, and bond allocations.

5️⃣ Fidelity NASDAQ Composite Index Fund (FNCMX)

💼 Ideal For: Tech-focused growth exposure
Expense Ratio: 0.29%
Category: Tech-heavy growth
Dividend Yield: ~0.9%
Risk Level: High

📌 Why Hold for 10 Years?

• Tracks NASDAQ Composite, including growth stocks like Apple, Amazon, NVIDIA

• Perfect for long-term technology and innovation exposure

• While volatile, it historically delivers outsized returns

• Ideal for investors willing to handle short-term risk for long-term gain

Best For: Aggressive investors and tech believers.

📊 Fund Comparison Table

Fund	Ticker	Expense Ratio	Focus	Risk	Dividend Yield	Best For
Fidelity ZERO Total Market	FZROX	0.00%	Total U.S.	🟡 Moderate	1.3%	Core Portfolio
Fidelity 500 Index	FXAIX	0.015%	S&P 500	🟢 Low-Mod	1.5%	Retirement / S&P Exposure
Fidelity ZERO International	FZILX	0.00%	Global	🔴 Moderate-High	2.0%	International Diversification
Fidelity Bond Index	FXNAX	0.025%	Bonds	🟢 Low	4.3%	Income / Stability
Fidelity NASDAQ Composite	FNCMX	0.29%	Growth / Tech	🔴 High	0.9%	Long-Term Tech Exposure

📌 How to Build a Long-Term Portfolio with These Funds

Here’s a model allocation for a 10-year horizon investor:

🎯 Balanced Growth Portfolio (Age 30–45)

✅ This setup gives you:

• 80% equity exposure across U.S., tech, and global stocks

• 10% bonds for balance

• Zero to ultra-low cost with high diversification

• Long-term growth + income potential

🧠 Why These Fidelity Funds Make Sense for the Next Decade

1. Secular Trends Favor Passive Indexing
   The shift away from active funds continues. Low-cost, passive strategies are eating market share—and delivering better long-term results.

2. Tech Will Continue Dominating
   AI, robotics, automation, and green energy will fuel NASDAQ-style returns, making FNCMX a growth vehicle.

3. Global Catch-Up
   Non-U.S. markets are cheaper relative to U.S. equities. FZILX gives exposure to that upside.

4. Fixed Income Rebound
   With interest rate normalization expected between 2026–2028, bond funds like FXNAX can benefit from capital appreciation as rates decline.

🧠 Expert Tip 💬

“It’s not about timing the market. It’s about time in the market. Fidelity’s low-fee index funds let you stay invested long-term without worrying about fees eating into your gains.”
— A Smart Long-Term Investor’s Motto

📋 Final Thoughts

🔑 Simplicity Wins in investing. These Fidelity funds offer:

• ✅ Maximum diversification

• ✅ Near-zero fees

• ✅ Strong historical performance

• ✅ Alignment with future economic trends

If you want to build real wealth in the next 10 years, stop guessing and start compounding. These funds give you low-maintenance, high-confidence exposure to the very forces shaping the world economy.

❓ Top 10 FAQs

1. Are Fidelity index funds good for long-term investing?
Yes—especially due to their low fees and broad diversification.

2. What’s the best Fidelity fund for beginners?
FZROX or FXAIX are great starting points.

3. Can I hold these funds in a Roth IRA?
Absolutely—and you should if you’re aiming for tax-free growth.

4. Are zero-fee Fidelity funds really zero cost?
Yes. FZROX and FZILX have 0.00% expense ratios and no hidden costs.

5. Is now a good time to invest in index funds?
Always. Long-term investing works best when you start early and stay consistent.

6. Are these funds actively managed?
No—they track indexes passively.

7. Can I use these funds to build a retirement portfolio?
Yes. They’re ideal for retirement, 401(k), and IRAs.

8. What’s the risk in holding NASDAQ-focused funds like FNCMX?
Higher volatility, but also higher potential returns over 10+ years.

9. Should I rebalance my portfolio?
Yes—ideally once or twice a year.

10. Do these funds pay dividends?
Yes—FXAIX, FZROX, and FXNAX pay regular dividends.

⚠️ Disclaimer

This article is for informational and educational purposes only and does not constitute financial, investment, or tax advice. The content is based on personal analysis and is 100% original, not sourced from third-party financial institutions. Investing involves risks, including the potential loss of principal. Always conduct your own due diligence or consult with a licensed financial advisor or tax professional before making investment decisions. Fidelity Investments is used here as a reference for publicly available fund offerings and is not affiliated with this content. Past performance does not guarantee future results.