Which Fidelity International Index Fund Should You Buy?

Updated on February 2nd, 2019
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The backbone of a three-fund portfolio consists of a domestic stock fund (usually the S&P 500 or a total stock market index fund), an international stock fund, and a U.S. bond fund.

For Fidelity investors, there are many international stock funds to choose from, which can make it difficult for new investors to decide which one they should buy. In this article, I’ll break down the Fidelity international index fund options, so that you can pick the one that is right for you.

Who This Article Is For

Before we dive into the analysis, I wanted to highlight who this analysis is intended for. This article applies primarily to Fidelity investors or those who have Fidelity index funds as part of their retirement investment options.

Vanguard investors should use Vanguard international index funds, such as Vanguard FTSE All-World ex-US Index Fund (VFWAX, ER = 0.11%) or ETF (VEU, ER = 0.11%). Vanguard Total International Stock Index Fund Admiral Shares (VTIAX, ER = 0.11%) or ETF  (VXUS, ER = 0.11%) is another option.

Schwab investors should use Schwab international index funds, such as Schwab International Index Fund (SWISX), which has an expense ratio of 0.06% and tracks the MSCI EAFE index.

The reason why you shouldn’t buy Fidelity funds from a Vanguard or a Schwab account is because there is a transaction fee to purchase Fidelity funds from Vanguard (typically $8-$20 if you buy online) or Schwab ($76 transaction fee for online purchases).

For investors with other brokers that might also charge transaction fees to buy Fidelity funds, you should purchase a low-cost index ETF, such as Vanguard’s VXUS or VEU or iShares’s IEFA or IXUS, and pay the usual low commission fee that you would pay to buy any other stock.

Fidelity International Index Funds — What You Should Not Buy

Using Fidelity’s mutual fund screener, you can quickly filter for international equity funds offered by Fidelity. There are a whopping 44 of them:

There are over 40 Fidelity international equity funds, but you should avoid most of them since they are actively managed.

When I’m reviewing a new mutual fund, the first thing I look at is its expense ratio. It’s easy to do this with Fidelity, as you can simply sort by net expense ratio to find the lowest cost mutual funds. These will almost always be the index funds.

Fidelity does offer a number of actively managed mutual funds — I would avoid them because of their high fees and lower diversification compared to the index fund options.

They also have introduced “smart beta” international ETFs such as Fidelity International High Dividend ETF (FIDI) Fidelity International Value Factor ETF (FIVA). I would avoid these as well. Stick with the international index funds that I will discuss below.

Fidelity International Index Fund (FSPSX)

This index fund (FSPSX) tracks the MSCI EAFE (Europe, Asia, Far East) index, which tracks developed markets. It has the lowest expense ratio of all of the Fidelity international index  funds at 0.045%. One downside of the fund is that it does not give you exposure to emerging markets. It also does not give you access to small-cap international stocks. These differences are small and probably won’t make a big difference in the long-run, but if you can get access to these international stock markets with a minimal increase in expense ratio, why not?

Fidelty International Index Fund gives exposure to developed international markets, but does not invest in emerging markets like India.

Fidelity Global ex U.S. Index Fund (FSGGX)

FSGGX is an older version of Fidelity’s total international index fund. It has an expense ratio of 0.06%, and tracks the MSCI All Country World Ex-US Index. It gives exposure to large-cap developed and emerging markets stocks.

In my opinion, because it has the same expense ratio as the Fidelity Total International Index Fund, with slightly less diversification (no small-cap exposure), I don’t think FSGGX makes sense for most investors unless you have a particular aversion to small cap international stocks.

Fidelity Total International Index Fund (FTIHX)

FTIHX tracks the MSCI ACWI (All Country World Index) ex-USA Investable Market Index. It was only introduced in 2016, and already has $1.9 billion in assets under management. Because it gives you the broadest exposure to international stocks (developed and emerging markets, small-cap and large-cap), all at a very low expense ratio of 0.06%.

Fidelity Total International Index Fund (FTIHX) offers the broadest exposure to international stocks (developed and emerging markets, small-cap and large-cap), all at a very low expense ratio of 0.06% Click To Tweet

Fidelity Emerging Markets Index Fund (FPADX)

For investors who may have the Fidelity International Index Fund (FSPSX) in their 403(b), or just want to slice and dice and get more or less exposure to emerging markets, Fidelity offers a low cost emerging markets index fund (FPADX). It has an expense ratio of just 0.08%.

To get direct exposure to emerging markets like China at Fidelity, use the Fidelity Emerging Markets Index Fund.

Fidelity ZERO International Index Fund (FZILX)

In 2018, the buzz in the index fund world came from the introduction of zero expense ratio index funds at Fidelity. For international stock exposure, Fidelity introduced the Fidelity ZERO International Index Fund (FZILX). It has an expense ratio of (you guessed it!), 0.00%. It tracks the Fidelity Global Ex US Index, an index designed to track the performance of international large- and mid-cap stocks. Therefore, it does not give you exposure to international small-cap stocks like FTIHX.

iShares Core MSCI EAFE ETF (IEFA)

iShares Core MSCI EAFE ETF (IEFA) is essentially the ETF version of the Fidelity International Index Fund (FSPSX), but it is managed by iShares. They are commission-free to trade within Fidelity accounts. Like FSPSX, it tracks the MSCI EAFE index. It has an expense ratio of 0.08% and currently has $55.2 billion under management.

iShares Core MSCI Total International Stock (IXUS)

iShares Core MSCI Total International Stock (IXUS) tracks the same index as the Fidelity Total International Index Fund (FTIHX), but in an ETF form. Like IEFA, it is commission-free to trade within Fidelity accounts. It has an expense ratio of 0.10% and currently has $13.3 billion in assets.

Conclusion

Here’s a summary table of your Fidelity international index fund options:

Fund Ticker Expense Ratio Developed Markets Emerging Markets Large-Cap Small-Cap
Fidelity International Index Fund FSPSX 0.045% X X
Fidelity Global ex-US Index Fund FSGGX 0.06% X X X
Fidelity Total International Index Fund FTIHX 0.06% X X X X
Fidelity Zero International Index Fund FZILX 0.00% X X X
Fidelity Emerging Markets Index Fund FPADX 0.08% X X

As you can see, Fidelity has many international index fund options. I would pick either the Fidelity Zero International Index Fund (FZILX) or Fidelity Total International Index Fund (FTIHX). FZILX has the lowest expense ratio (zero!) and gives exposure to developed international and emerging markets stocks, while FTIHX gives exposure to small-cap and large-cap developed international and emerging markets stocks at a low expense ratio of 0.06%.

My preference at Fidelity is to use mutual funds in retirement accounts and ETFs in taxable accounts, because mutual funds are less tax-efficient than ETFs at Fidelity. My preferred ETFs for Fidelity investors are the iShares ETFs IXUS or IEFA, which have low fees and are commission-free at Fidelity.

What do you think? If you are a Fidelity investor, which international index fund do you use?

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48 COMMENTS

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  2. Nice article! I did the same research earlier this year to build a list of tax-loss harvesting “groups” and it definitely took some digging to get all the Fidelity/iShares funds straight.

    One typo: “(for example, IEFA and VXUS are commission-free at Fidelity)”
    Should be: “(for example, IEFA and IXUS are commission-free at Fidelity)”

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    Are you looking for the best bitcoin recovery firm to help you get back the bitcoins you had stolen? I have to bring this up to ensure you don’t lose money to unscrupulous brokers on the cheap. After a few weeks, I decided to withdraw my initial investment of about $125,000 USD from a binary option platform, however the withdrawal was rejected. I tried calling and emailing the platform, but I never received a response. Something felt off. A few days later, the site sent me a message asking me to up my investment before I could take my bitcoins out. They didn’t contact me again after I rejected their message. and I didn’t hear from them again after that. I knew then that I had been tricked. I owe a debt of appreciation to EXPERT WIZARD RECOVERY, a skilled hacking company that assists with cryptocurrency recovery. With their assistance, I was able to find my misplaced bitcoin. Actually, I really do appreciate you. Sending an email to Expert Wizard Recovery Email at Expertwizard(@)mail.com is one method to get in touch with them.

  30. To whom it may concern, If you are on the fence regarding lost funds recovery, I can assure you that J E T H A C K S R E C O V E R Y C E N T R E is the way to go. I recently got into some financial issues that messed up my finance in a way I wasn’t used to, But the team at J e t h a c k s7 @ G M A IL DOT COM was able to assist me in getting everything fixed. From the tracing process and monitoring my lost funds, the extraction and working round the clock by the highly skilled team All to ensure the successful execution of the process which has helped me gain back my financial freedom today. I consider myself very fortunate and truly honored to have been able to work with such a reputable recovery company. If you are having any issues really don’t think twice about getting help. Don’t hesitate to work with this company!, they’re just about the right people to work with and I can never repay them enough for what they’ve given back to me!.. The professionalism and the plethora of skill sets they possess definitely goes unmatched. They’re my knights in shining armor. I’m building up my financial security again and this time, am putting my money where it rightly belongs. The team can also be found on Telegram with the username @ JETHACKSS , I’ve already recommended them to friends and will continue to for a long time to come.

  31. At last, a reliable and effective service I can rely on! I can only imagine how many people are struggling with crypto-related issues and are likely also unsure of their ability to find practical solutions. This is where Space Spy Recovery rightfully enters the picture as the best provider of the service, and their ability to help recover 550,000 EUROS that I lost due to online cryptocurrency theft clearly confirms their claim! Space Spy Recovery came to my rescue! Get in touch for free
    Email: soacespy@hackermail.com
    WhatsApp: +1 (458) 313 9075
    Telegram: @spacespy65
    Skype: live:.cid.2b75b0cf1ce9bf69

  32. Two weeks ago, I found myself entangled in a complicated situation that started with a seemingly enticing Facebook post about investing with an FX Trader. The user claimed to have invested $8,000 and received back tenfold within just three days. Intrigued by the promise of significant returns, I decided to give it a shot, thinking it was an offer too good to refuse. However, as the days unfolded, what initially appeared as a lucrative opportunity turned into a financial nightmare. Over a month, I ended up paying over $15,000 to this FX Trader. Each attempt to withdraw my funds was met with additional requests for payment, citing various reasons. I found myself trapped in a cycle where they demanded more money under the guise of unlocking my profits and insisted on referrals before allowing any withdrawals. Feeling exhausted and frustrated, I decided to voice my concerns in a group, hoping for some guidance. Fortunately, a user in the group introduced me to a crypto recovery expert known as Spyware Cyber. Skeptical but desperate for a solution, I decided to reach out to them.Apone contacting Spyware Cyber  they requested my transaction history and details. Within a remarkably short span of seven hours, they asked for my wallet address and astonishingly sent me a substantial sum of $20,000. The relief I felt at that moment was indescribable, and I couldn’t thank them enough for their swift and effective intervention. The scam unfolded as a series of deceptive tactics employed by the FX Trader on Facebook. The promise of high returns lured me in, and the subsequent demands for additional payments created a financial entanglement. It wasn’t until a fellow user in a group recommended  Spyware Cyber that I had hope of retrieving my lost funds. For anyone finding themselves in a similar situation of financial deception and loss due to online scams, Spyware Cyber proves to be a reliable ally. Their expertise in recovering funds from fraudulent schemes, coupled with their swift response, can be a shoulder to lean for those seeking restitution. My personal experience stands as a testament to the effectiveness of ethical hackers in navigating the complexities of digital scams and providing a pathway to financial recovery. I’d recommend  Spyware Cyber if you might as well fall into the arms of these scammers. Reach  Spyware Cyber on Email: spywarecyber (@) cybergal (.) com 
    Telegram: (spywarecyber) Check out their Web site via: https://cybegal.net

  33. I have finally recovered all the lost crypto which i made to some fake crypto trading company with the help of SWIFT RECOVERY, a very reliable and trusted financial recovery agency. After months of waiting for this company to accept my withdrawal request which they denied, They locked my account and stopped responding to my mails. This agency helped me to recover all my money from them. They are so trusted and honest. All thanks to SWIFT RECOVERY and you can contact Them via em ail on swiftrecoveryservice006@gmail.com WhatsApp +1 (786) 684-0501

  34. I’m glad to attest to the skill of , a licensed hacking team that assisted me in regaining my lost monies from malicious individuals who cheated me out of them and rendered me weak. After the whole thing, I was unable to pay my expenses, but a buddy of mine was kind enough to provide me the contact information of this reputable Schwartz Software. If you have fallen victim to a Schwartz Software online fraud, will assist you in recovering your stolen money. Call this reputable and verified hacker, Hacking Program Schwartz Software at: admin@weicherthallmarks.com ,or hackingprogramschwartzsoftware@gmail.com They come highly recommended and are effective in recovering lost money.

  35. when considering engaging with a bitcoin recovery service like wizard asset recovery, it’s crucial to proceed cautiously and conduct thorough research. look out for red flags such as upfront fees or unrealistic promises, as legitimate services typically only charge upon successful recovery and refrain from making exaggerated claims. prioritize secure communication channels like encrypted platforms to interact with wizard asset recovery and reduce the risk of unauthorized access. before committing to wizard asset recovery or any similar service, explore alternative options for bitcoin recovery, such as leveraging recovery phrases or seeking assistance from wallet providers or cryptocurrency experts. if uncertain about wizard asset recovery’s legitimacy or the best course of action, seek advice from trustworthy sources like financial advisors or cryptocurrency experts to navigate the process effectively and avoid potential pitfalls. you can reach wizard asset recovery at the following contact details: email: admin@weicherthallmarks.com ,or hackingprogramschwartzsoftware@gmail.com

  36. Someone who claimed to be from a reliable bitcoin exchange got in touch with me and requested my login information. Because I was stupid enough to believe them, they were able to take my bitcoin. I was inconsolable. I didn’t know what to do because I had lost a lot of money. I felt disappointed in myself and was embarrassed to explain what had happened to anyone. Then, though, I thought of your name: Hacking Program Schwartz Software . I was aware that you were my best option for getting my bitcoin back after reading about your work assisting folks in recovering misplaced Schwartz Software. When I contacted you, you took my case right away. You never lost hope and were meticulous and professional. You put in a lot of effort to find the persons who had taken my bitcoin, and in the end, you were able to return it to me. Communicate to Hacking Program Schwartz Software :
    +1 205-390-1959
    admin@weicherthallmarks.com or hackingprogramschwartzsoftware@gmail.com

    WhatsApp: +1205-390-1959
    Hacking Program Schwartz Software
    Washington

  37. They are heartless scammers, they ruined my life, by making me develop interest to invest my hard earned money. I deposited 10.7850 euros in June 2020, which was later turned to 98,908.00 euros including my pay out bonus, there was an impressive improvement in few days, 2 months later I had a car accident and needed money to pay my insurance access, Suddenly I was sent from Pillar to post, i tried reaching out to them to collect the money i invested to pay off my debts, they cut the live chats and got harassed from 1 to the other, until they told me I will forever be poor, then i realized that i was being scammed. I just wanted my money back! I was advised by a friend to seek help from recovery management to assist me recover my invested funds, God so kind I was able to reach out to a recovery guru BY leonardmccallwizard@gmail.com or message us via telegram @financewizard001 .. , i was able to recover my funds with the help
    of Mr LEONALDMCCALLWIZARD he’s an expert on crypto/forex and bitcoin
    recovery, I feel obligated to recommend him and his team, their recovery strategies, and for working relentlessly to help recover my funds. Feel free to reach out to him via his email address:
    leonardmccallwizard@gmail.com
    or message us via Telegram @financewizard001 and will guide you on how to recover your invested capital, i advise everyone to be careful with these heartless stealing people…

  38. It still seems very dishonorable to me to have fallen for some internet scammers who blocked me and took $13,500 BTC from me. I followed up by supplying the needed information right away, and they were able to track the transaction and return my money. I tried all of the ideas that seemed plausible, but nothing worked until I noticed a response from Space Spy Recovery that I had missed because their email appeared in my spam folder. For assistance, you may reach them via the following channels: WhatsApp: +1 (458) 313 9075; Telegram: @spacespy65; Skype: live: cid.2b75b0cf1ce9bf69; Email: soacespy@hackermail.com . website: https://soacespy.wixsite.com/my-site-2

  39. I have become aware of a number of reports of individuals losing money to investment frauds. These scams have also made me a victim. My Bitcoin losses exceeded 150,000 euros last year. Seeking to work with people, I sought around, but unfortunately, I was also tricked. Prior to my discovery of DIGITAL HACK RECOVERY, this continued for a few months. A tragedy as heartbreaking as losing Bitcoins can happen in our increasingly digital society, where the boundaries between the actual and virtual worlds are becoming increasingly hazy. Envision years of financial commitments, aspirations, and goals that suddenly disappear. Prior to hopelessness setting in, however, businesses such as  DIGITAL HACK RECOVERY   surface, offering to act as your virtual Houdini, recovering items that were believed gone for good. The innovative digital money, bitcoin, has experienced an incredible journey. Although its value has skyrocketed and attracted millions, its decentralized structure also presents unique challenges. In contrast to conventional bank accounts, lost Bitcoins cannot be recovered by a central authority. In the aforementioned situation,  DIGITAL HACK RECOVERY might be useful. I can say again that they are equipped with the know-how and means to search the dark web for your lost Bitcoins. Customers who have been reunited with their digital money are portrayed on their website as success stories. Data recovery firms like  DIGITAL HACK RECOVERY  may provide hope,  the hope, considering how distressing losing Bitcoin may be. Nevertheless, proceed with extra care. Never risk more money than you can afford to lose, make sure you are aware of the wizards, and complete your homework. Do not forget that cure is never better than prevention. Secure your Bitcoins first by putting robust security measures in place.  DIGITAL HACK RECOVERY  is a digital magic wand that specializes in retrieving lost or unreachable bitcoins. By applying their expertise and cutting-edge tools, they want to make the seemingly unachievable feasible. Your bitcoins are in good hands since the  DIGITAL HACK RECOVERY  team is made up of seasoned experts who bring a wealth of expertise and knowledge to the subject of digital currency recovery. The loss of something significant in the digital sphere feels like a contemporary tragedy because the boundaries between the actual and virtual worlds are becoming increasingly hazy. Imagine misplacing the key to your life savings—not a tangible item, but rather a convoluted code that represents your bitcoins.This is the terrible reality that many people must deal with,but organizations like DIGITAL HACK RECOVERY  provide a ray of hope by helping people reclaim things that were previously believed to be gone forever. As quickly as possible, give this professional team an opportunity to retrieve back what you  lost.  Email: digitalhackrecovery (@) techie ( . ) com, or  kindly reach them via telegram : (digitalhackrecovery),  For quick and fast communication⁚ Whatsapp⁚ + 1 (201) 887 1705

  40. BE SMART AND BECOME RICH IN LESS THAN 3DAYS….It all depends on how fast 
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  41. NEVER GIVE UP, HAVE FAITH IN WIZARD WILLIAMS TO RESTORE ALL OF YOUR LOST CRYPTOCURRENCY.

    Have you lost all hope of ever getting your money back from scammers? I am delighted to inform you that you can absolutely get your money recovered. On the other hand, WIZARD WILLIAMS RECOVERY and his team’s knowledge is required for this. Before I came across the incredible recovery hacker WIZARD WILLIAMS RECOVERY, who helped me retrieve my stolen bitcoins, I had given up on ever making money from cryptocurrency trading after losing about $187.000 to a fake broker. For assistance with cryptocurrency recovery, get in touch with WIZARD WILLIAMS RECOVERY.

    EMAIL. wizardwilliams@mail.com

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  42. HOW I QUICKLY RECOVERED BACK MY STOLEN FUNDS WITH THE ASSISTANCE OF WALLDRIVE CYBER SECURITY SERVICE.

    It is very important to be vigilant and carry out enough research before investing in crypto. I was among the victims of a huge crypto investment scam that saw me lose all my money. I was depressed and thought of giving up until a family friend of mine introduced me to Walldrive Cyber Security Service. This is a professional and reliable crypto recovery company with many years of experience in the recovery business. Walldrive Cyber Security Service was able to assist with the recovery of my lost crypto after I provided them with enough information about the fake investment company. I will warn future crypto investors to be extra cautious and avoid falling for any crypto scam.  If you need the service of Walldrive Cyber Security Service for the recovery of your crypto, data, or stolen assets, you can reach them via the following information: E-mail: walldriveservice@techie.com or WhattsApp: +44 7961 202493

  43. I felt as though the sadness in my intestines had moved in. Trembling, my fingers made their hundredth lap across the bank statement. $1780,000. Vanished. vanished from my online investment account, taking with it a crushing sensation of helplessness and a trail of digital dust. Panic gnawed at me. My life savings, and my future, were seemingly swallowed into the abyss of the internet. Every avenue I explored felt like a dead end. My frantic calls to the platform yielded robotic platitudes and zero action. The police, overwhelmed by the sheer volume of cybercrime, offered little solace. I was drowning in a sea of despair, clutching at straws that seemed to melt in my grasp. Then, a flicker of hope. A friend, privy to my digital nightmare, mentioned Coder Cyber Services. Skeptical, yet desperate, I delved into their website, eyes scanning for a shred of credibility. Testimonials, success stories, a team of experts – it was a beacon in the darkness. I contacted them, my voice choked with a mix of fear and desperation. The first meeting was enlightening. In contrast to the callous disregard I had experienced in other places, Coder Cyber Services responded to me with compassion and comprehension. They outlined a clear course of action, listened intently, and posed thoughtful questions. They offered a lifeline and the opportunity to fight back against the nameless robber who had taken my hard-earned money, but they did not guarantee miracles. The recovery process was an emotional rollercoaster. Days bled into nights as Coder Cyber Services navigated the complex labyrinth of the online financial world. There were setbacks, roadblocks, and moments when I doubted the outcome. But through it all, the team remained steadfast, their unwavering dedication a constant source of strength. Finally, the news I’d been waiting for arrived. A breakthrough. Traces. A lead. The team, fueled by renewed vigor, pursued it relentlessly. And then, the impossible became reality. My stolen funds clawed back from the clutches of the cybercriminal, returned to my account. The elation was indescribable. Tears of relief streamed down my face as I confirmed the balance. It wasn’t just about the money, though that was significant. It was about reclaiming control, defying the odds, about proving that even in the darkest corners of the internet, good can prevail. Coder Cyber Services wasn’t just a service; they were my digital knights in shining armor. They fought for me when I couldn’t fight for myself, guiding me through the labyrinth of cybercrime and bringing me back to the shores of financial safety. Never lose hope if you find yourself in the depths of online loss. In the virtual realm, there exist champions prepared to defend your pilfered hopes. Let Coder Cyber Services be your light in the dark by reaching out and sharing your experience with them.

    CODER CYBER SERVICES CAN BE REACHED THROUGH THE LISTED INFO BELOW.
    Email: codercyberservices@tech-center.com
    Website: https://codercyberservices.info/

    Thanks Linus.

  44. Hi everyone. I want to share with you all how Elite Web Recovery played a crucial role in recovering my stolen Bitcoin after falling victim to a phishing scam that resulted in losing a significant amount of my bitcoin. I discovered that $75,000 worth of bitcoin had disappeared from my digital wallet, I was devastated and panicked. Then I was in such a rush to get my $75,000 back and try to find assistance at that point. Not until I was introduced to this expert and trusted recovery company Elite Web Recovery. I reached out to Elite Web Recovery for assistance, hoping for a solution to stop the loss of my hard earned money. Through their meticulous investigation and expertise, they were able to decipher the complex network of the hack that caused my Bitcoin to disappear. And they were also able to trace the stolen Bitcoin through a virtual maze, following digital footprints left by the thieves. Elite Web Recovery services implemented recovery tactics with precision and determination. So my surprise is that the team at Elite Web Recovery worked tirelessly to track down the perpetrators and recover my stolen funds. I couldn’t thank them enough for their dedication and successful recovery efforts. And also each step taken brought me closer to reclaiming what was rightfully mine, turning despair into determination. I highly recommend Elite Web Recovery for anyone facing similar challenges in recovering lost cryptocurrency. They can be contacted at elitewebrecovery@cash4u.com

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