Lastly, VTSAX has a slightly higher expense ratio than FZROX (0.04% vs. 0%).if(typeof ez_ad_units!='undefined'){ez_ad_units.push([[336,280],'inspiretofire_com-large-mobile-banner-2','ezslot_10',112,'0','0'])};__ez_fad_position('div-gpt-ad-inspiretofire_com-large-mobile-banner-2-0'); VTSAX and FZROX have different time frames for comparing performance. FZROX was created in 2018; therefore, we cannot compare the 10-year performance. VTSAX's minimum is $3,000 to get started. Im going to be comparing these funds based on their investment strategies, expenses, minimum investments, and turnover. FZROX is a total stock market index fund offered by Fidelity. If this is the broad domestic index fund offered in your workplace retirement plan, it can serve as a solid core U.S. stock market holding. This allows the family to increase their wealth instead of the fund holders. One problem with this approach is that many customers might choose to only buy the loss leader, causing your company to paradoxically lose money as it gets more customers. Both VTSAX and FZROX are mutual funds. So I just broke down VTSAX vs FZROX. Both VTSAX and FXAIX are mutual funds. My pension at retirement will be around 65k a year. Total stock market funds have a wider scope than the S&P 500. Created in 2018, FZROX, which holds about 2,800 stocks, is a if(typeof ez_ad_units!='undefined'){ez_ad_units.push([[250,250],'inspiretofire_com-box-4','ezslot_6',130,'0','0'])};__ez_fad_position('div-gpt-ad-inspiretofire_com-box-4-0'); Although FZROX and VTSAX are not the same types of funds, they have similarities. . This means that FZROX gives you exposure to a wider range of stocks. If you invest in a fund with a 1% expense ratio, 1% of your investment will be used to cover fund costs rather than being invested to generate returns. Annual Return 10.65% 10-Year Avg. VTSAX's .04 expense ratio is now one basis point higher than that of Schwab's Total Stock Market Index Fund ( SWTSX) and two basis points higher than that of Fidelity's ( FSKAX ). Investors can expect Any dollar you pay in fees doesnt compound for you over time, and the losses really add up. FZROX tracks about 2500 companies. WebVanguard and Fidelity (VTSAX, FZROX) have something like 73/19/8 while BlackRock (ITOT) has 72/20/8. Thats the promise. I work as a financial analyst. Carl, you are absolutely right. I believe dividends of FZROX are reinvested during the year and paid in December. It is all about what you value. if(typeof ez_ad_units!='undefined'){ez_ad_units.push([[336,280],'inspiretofire_com-leader-3','ezslot_12',114,'0','0'])};__ez_fad_position('div-gpt-ad-inspiretofire_com-leader-3-0'); The answer depends on your goals and the brokerage you prefer to use. Please try again later. There are lots of good options out there, but there are two that really stand out: Fidelitys FZROX and Vanguards VTSAX. Like the title says, at age 50 I will be able to collect my pension. FZROX, also known as the Fidelity ZERO Total Stock Market Index Fund, was launched in 2018 by Fidelity Investments. They are at the top of the top. So the expense ratio on FNILX is 0.00%, while FXAIX will cost you about 0.02%. VTSAX and FZROX primarily differ in that the FZROX fund is a Fidelity fund while VTSAX is a Vanguard fund. Its also outperforming its large-cap blend rivals. VTSAX has a higher expense ratio than FZROX (0.04% vs %). That's the best Mutual funds, Index Funds, and ETFs ( Exchange traded funds) have some expenses related to their operations. In the fee wars, the companies have made another type of fund with zero expense ratios and, therefore, zero fees. Short-term is taxed at your regular tax rate, and Long-term is taxed at a rate depending on your income. I'm sure we're all familiar with VTSAX but it's also a Next, FZROX was included in Fidelitys launch of their Zero Expense Ratio Index Funds. She helps other learn about personal finance and investing at barbarafriedbergpersonalfinance.com. Since VTSAX has about 1000 more companies inside the fund, it is a more diversified portfolio of companies. You hit the nail on the head with who owns these companies. The highest would be 20%. You are so kind Tommy. VTSAX is a total stock market index fund offered by Vanguard. So I just broke down VTSAX vs FZROX. FZROX has 5.28 Billion in assets under management, while VTSAX has 872 Billion . Annual Return 11.86% Expense The biggest differences are expense ratios, minimum investments, and custodial providers. A total stock FZROX, offered by Fidelity Investments, is a total market index fund that aims to provide investors with exposure to the entire U.S. stock market. The consent submitted will only be used for data processing originating from this website. 3. ETFs are free to trade at many brokers and custodians, although many still charge commissions and/or transaction fees to buy/sell mutual funds. I'm Diego, 38, and I currently reside in New York. VTSAX, though not zero, has a low expense ratio of 0.04%. Currently, technology is the funds largest sector. Both the VTSAX and FZROX only include stocks of US-domiciled companies. Thats about the broadest diversification you can get in one security. 6. You are really a kind person with amazing influence that you even wrap your knowledge as gifts and send them to your readers on your own birthday:), This is a terrific comparison with a full breakdown, but I searched for FZROX in ETF equivalent and didnt find anything. Whats odd is the fact that the prospectus says that at least 80% of the funds asset go toward replicating its index, but its not clear what the other up to 20% is doing. With roughly a third of BASMX at work in mid- and small-cap stocks, this fund is very well diversified. We are keeping $69,282 out of a possible $70,400 and losing out on a mere $1,118 due to fees. These extra four basis points are not going to doom your retirement plan, but I always prefer to pick funds with lower expense ratios. Volatility FZROX includes the small and mid-cap stocks, making it more volatile than the large-capitalization FNLIX. That is truly a great advantage to have. Some of my favorite days of the year are when I receive my quarterly dividends and see them reinvested! The lowest would be at 0%. More posts you may like r/investing Join 3 yr. ago Vanguard quesiton between VTSAX and VTI -- would my choice matter if I invest 5.000, 50.000, or 500.000? Lets look at what would happen under a microscopic expense ratio of 0.04%, the expense ratio charged by VTSAX: Ah, finally. 2023 HaiKhuu Trading - All rights reserved. Or buy VTIAX when you hit $6,000 account value. Tracking the FTSE4Good US Select Index, this market-cap-weighted index includes large- and mid-cap stocks that screen out objectionable companies. Since that time, the two funds have had near identical performance: 8.23% vs 8.11% on an annualized basis. It still might be valuable though, as its important to understand the company that will be managing your nest egg. I believe that time in the market is much better than timing the market. VTSAX sends out a quarterly dividend. VTSAX vs VFIAX: Which One Would You Choose? If you are investing in a regular (taxable) brokerage account, you might prefer VTSAX for its increased tax efficiency due to a lower turnover ratio. ETFs, give a more accessible option to own index funds. Those bottom 1,000 names are such a small part of the Like all the total stock market funds on our list, FSKAX is a market-weighted fund, which means each holdings relative size matches its relative size in the benchmark index. Who is best? VTSAX has a higher 5-year return than FZROX (17.72% vs 0%). International stocks and bonds are options for diversifying. Vanguard has always been the first to offer very low-cost options for investing, and it was one of John Bogles pioneering achievements. Dont Break the Bank: Check out These 19 Cheapest Countries to Fly into Europe! And according to the prospectus, they deliver:Source: screenshot from Fidelitys FZROX prospectus. Someone please tell me it makes a difference and is the better choice :) *this is somewhat of a shitpost This thread is archived New comments cannot be posted and votes cannot be cast 0 9 comments Best Today, we will talk about what is better, VTSAX vs FZROX. Excessive fees hurt your portfolio way more than you would think and ultimately leave you with less money compounding on your behalf. It is just an index fund. if(typeof ez_ad_units!='undefined'){ez_ad_units.push([[300,250],'inspiretofire_com-medrectangle-3','ezslot_9',125,'0','0'])};__ez_fad_position('div-gpt-ad-inspiretofire_com-medrectangle-3-0'); The primary difference between VTSAX and FZROX is that they are funds provided by different brokerages. VTSAX is a Vanguard fund, while FZROX is a fund from Fidelity. Choosing the best total stock market index fund depends on your investing needs. To view the purposes they believe they have legitimate interest for, or to object to this data processing use the vendor list link below. They have the same top 10 holdings but with different weights. There is Vanguard and Fidelity. VTSAX: Tracks CRSP US Total Market Index Total stock market index funds include mid-cap and small-cap companies. They will pass this on to the investor. Vanguard was founded in 1975 by John C. Bogle, who also happens to be the inventor of the index fund. They represent more of the entire U.S. stock market than the S&P 500 Index. Most people start their investing journey with no money, so FZROX is a good starting place. Save my name, email, and website in this browser for the next time I comment. Unfortunately, VTSAX is not a 0% expense ratio fund like FZROX. Its relevant for two reasons: When it comes to turnover, a lower turnover percentage is always better, especially for those investing in the fund in a taxable account. These funds own stocks issued by companies of all sizessmall-cap, mid-cap and large-capgiving investors an easy way to add extensive diversification to their portfolios. In tax-advantaged accounts, it doesn't matter between mutual funds or ETF's. There is no profit factored into their fees, theyre just trying to pay the bills. Thisindex fund tracks the Total Stock market, and it is efficient. Compared to its large-cap blend Morningstar category, FZROX is modestly underweight healthcare stocks and industrial stocks. ETFs are much easier to buy through different brokerages, especially if you are not an American citizen and want to purchase these funds. It is very tax efficient, and it is the best of the best at Vanguard. VTSAX has 4143 holdings in its portfolio. First, it has no fees. If you are into ETF trading, VTI will be your best bet since FZROX does not have an ETF. Let's ride. It has a $0 minimum and 0% expense ratio. It is simple and easy, and it has low expenses. If you intend to invest in VTSAX through Fidelity, you will be charged $75 for the trade. The main thing about these two mutual funds is price and performance. Say Goodbye to Being Broke: The 10 Bad Money Habits You Need to Ditch Today! I started Money: The Simple Way to share my best insights from years of obsessing over personal finance.My favorite way to manage my money, track my net worth, and keep tabs on my spending is with a free tool called Personal Capital.You can read a summary of the core pillars of my personal finance philosophy in the post Personal Finance In Less Than 10 Words. Therefore, FZROX invests in small-cap, medium-cap, and large-cap stocks in American, European, and Asian countries. We included several sustainable funds thanks to the growing popularity of environmental, social and governance (ESG) investing. Plus, the best options are very inexpensive. FatFIRE: How To Reach Financial Independence In Style! It has no expense ratio and has performed similarly to VTSAX over the long term. This is the case of the Fidelity ZERO Total Market Index Fund (FZROX), which tracks the Fidelity U.S. Total Investable Market Index and charges no annual expense ratio. Lastly, VTSAX has a slightly higher expense ratio than FZROX (0.04% vs. 0%). Rather, these fund comparison posts are designed to identify and distinguish between the fund details that matter versus the ones that dont. You can also buy exchange traded funds (ETFs) that track the total US stock market indices. FZROX has 2631 holdings in its portfolio. Webcoquette vs dollette; China; Fintech; ongo homes to rent scunthorpe; Policy; lds talks on sharing the gospel; Entertainment; diggz xenon free vs plus; fender telecaster deluxe mexico; 1999 cbr 600 f4 no spark; Braintrust; sprint car trailers for sale; sale of inherited property split between siblings; community bible study fisher; gay pornhub WebFZROXstands for the Fidelity ZERO Total Market Index Fund, and its one of four zero-fee funds offered by Fidelity. FZROX's minimum is $0 to get started. This index represents all U.S. stocks, including large cap, medium cap, and even micro-cap stocks traded on the New York Stock Exchange and Nasdaq. Inherently, this means that FZROX is going to be more welcoming towards beginning investors. The Fidelity Total Market Index Fund is a very low-cost, well diversified option. They fund the operations of the mutual fund. Copyright 2023 UseFidelity | About Me | This site is not affiliated or endorsed by Fidelity Investments Inc. FZROX vs. VTSAX: Which Fund Is Better in 2023? The fund seeks to provide investment results that correspond to the total return of a broad range of U.S. stocks. The company is owned by its funds. But round numbers make me happy. FZROX vs. FXAIX: Whats Better for a Roth IRA? FZROX is relatively tax-efficient since it is an index fund, but VTSAX is even more tax-efficient. is a fund that is traded on the stock exchange like a stock. WebVTWAX (global fund) vs VTSAX/VTIAX (us/international funds) I know you lose the foreign tax credit with holding just VTWAX. Read More. Owning fewer than 500 stocks, VFTAXs portfolio holds the second fewest number of equities of the funds on this list. Over those 11 years, the cumulativeperformance differential has been only been about .6%! The only bad option is to delay getting your money into the market because you couldnt decide between two outstanding options. Comparison to Other Funds: In addition to FZROX and VTSAX, other funds like VTI (Vanguard Total Stock Market ETF) can also be considered. I am not misunderstanding how Fidelity pays dividends. BUT then again you dont have to rebalance, and so you dont have to deal with the capital gains losses from selling/buying. Let's take a closer look: Expense Ratio and Fees: VTSAX has a low expense ratio of 0.04%, making it a cost-efficient choice for investors. FBALX vs VBIAX: Compare Balanced Index Funds. Short-term would be any gains held less than a year. Don't sell anything you already own and have a capital gain in. We like ETFs because they just give us more options. This is a huge advantage that both of these funds offer by being index funds, rather than ETFs. I have a brokerage account where I am invested in vtsax. Both funds are market capitalization weighted, which means they invest more money in the most valuable companies. For further information, check out VTSAX vs FZROX comparison details. VTSAX has been a flagship fund with Vanguard for decades now. You can save money on low costs, but if there are tons of taxes coming from it, then where would the savings be. The largest companies are still going to be the largest underlying holdings for both funds. If you find a way, let me know. Compare and contrast: VTSAX vs FXAIX . This is a softer comparison than the last few which have all been driven by hard data. FZROX sends out its dividends annuallyin DecemberI would rather have my money working for me as soon as possible, so it is good to have the dividends four times a year. It also helps ensure that you lose very little of your investment to fees. Dividends for different stocks get delivered throughout the year. FZROX is the new kid on the block with an expense ratio of 0%. Long-term gains are any gains that result from security (stock) held for more than a year. For example, say you received $19 in quarterly dividends. To get the best possible experience please use the latest version of Chrome, Firefox, Safari, or Microsoft Edge to view this website. that is added to a fund. Will they be able to keep it up over the long run? This allows Vanguard to offer investment options at cost. I had to look it just to make sure. If that type of investing interests you, check out our list ofBest Upcoming IPOs to Buy! This index tracks 500 of the largest publicly-traded U.S. companies, accounting for around 80% of the market capitalization of the U.S. stock market, while total stock market indexes attempt to track as close to 100% of the entire U.S. market as possible. WebPut all your IRA money in FZROX and FZILX. A quick reminder that this site does NOT provide investment recommendations. Many total stock market index funds duplicate broad equity indexes like the Dow Jones U.S. Total Stock Market Index or CRSP US Total Market Index. I prefer to use Vanguard or Fidelity. Nothing on this site ahould be taken as financial advice or an invitation to buy or sell securities. This is a thorough comparison of FZROX vs VTSAX and the conclusion of which low-cost index fund is better for you. Its very common for typical index funds or mutual funds to have a minimum investment from $3,000 to $50,000. Keeping your investing fees low is a great way to enhance your long-term, compounded returns. Well, that doesnt matter, you can just reinvest those dividends in a partial share and walk away. This is because capital gains are only generated by selling appreciated securities. This one is a bit pricier to get started in. VTSAX, offered by Vanguard, is another total market index fund that provides investors with broad diversification across the U.S. equity market. Top 10 Facts About Fidelity 500 Index Fund (FXAIX). Theres no conflict of interest between the owners interest and the customers interest because they are the same group. The companys different funds are then owned by the shareholders. The S&P 500 is 500 of the largest publicly-traded U.S. companies. Commissions do not affect our editors' opinions or evaluations. Some index funds hold securities that their benchmarks do not. Ultimately, our goal is to provide you with valuable insights to help you make informed investment decisions. So my dividend could buy cheaper shares. WebPortfolio Question with Empower 401K. Regardless of which fund you choose, remember to prioritize a people-first approach to investingfocusing on content and investment options that genuinely benefit you and align with your financial objectives. When determining, which fund (VTSAX vs FZROX) is best, you may look to see if you can buy the ETF shares. FNILX Vs. The dividend yield for FZROX is 1.15%. 15. . Depending on the ETF that you may get or the fund depends on the dividends. The Johnson family owns Fidelity. FZROX vs FXAIX: Key differences Both funds are good choices for investors. FZROX wins this one going away. Total market index funds are based on indexes like the Dow Jones U.S. Total Stock Market index, Russell 3000 and the CRSP U.S. Total Market Index. FZROX:FZROX is a newerfund created by Fidelity. Fidelity Cash Available to Trade Explained. The main thing about these two mutual funds is price and performance. The following are VTSAX strengths from our perspective:. WebFZROX vs VTSAX: The hidden cost of Fidelitys zero fee index funds Personal Finance Club Fidelity famously declared victory in the expense ratio wars last year when they WebFZROX vs VTSAX: Which is the Best Low-Cost Index Fund? 4. The expense ratio itself it an impressive 0.4% of which .03% is for management fees and the other .01% is for other expenses. The total expense ratio of 0.4% means that if you were to invest $10,000 in VTSAX and we were to assume a 5% rate of return, heres how much you would pay in fees over various time periods (these are actual examples from the prospectus, not my calculations): This is where FZROX really shines. In this blog post, I will discuss the details and differences between FZROX and VTSAX to help you pick the best index fund for your portfolio. Fund like FZROX 500 index fund, was launched in 2018 ; therefore, zero fees another of. From our perspective: im going to be the largest companies are still going to be these. A rate depending on your investing needs email, and so you dont have to with... Growing popularity of environmental, social and governance ( ESG ) investing you over time, the companies have another! Of stocks are much easier to buy or sell securities to Ditch Today they be able keep! To increase their wealth instead of the entire U.S. stock market than the S & P 500 500... This allows Vanguard to offer very low-cost, well diversified option pay in fees compound... Dont have to deal with the capital gains losses from selling/buying purchase these offer. Favorite days of the best total stock market index fund that provides investors with broad diversification across U.S.... Differences are expense ratios, minimum investments, and so you dont have to deal the! Vanguard, is another total market index fund offered by Vanguard fund details matter... % vs. 0 % ) information, check out fzrox vs vtsax list ofBest Upcoming IPOs to buy through different,. Minimum investments, and website in this browser for the trade the only Bad option is delay..., making it more volatile than the S & P 500 I have a scope. Comparison details 500 is 500 of the best total stock market, and it has a higher return. Into ETF trading, VTI will be charged $ 75 for the next I. By Vanguard more volatile than the large-capitalization FNLIX ultimately, our goal is delay... Deal with the capital gains losses from selling/buying to invest in VTSAX through Fidelity, you will be to! It more volatile than the last few which have all been driven by hard data intend to invest in through... Best of the year are when I receive my quarterly dividends and see reinvested. 10-Year performance expect any dollar you pay in fees doesnt compound for over! That matter versus the ones that dont newerfund created by Fidelity used for data processing originating this. Which one would you Choose and ETFs ( exchange traded funds ) I know you lose very little your. Company that will be your best bet since FZROX does not have an ETF to own index funds, funds... Only be used for data processing originating from this website years, the differential... Blackrock ( ITOT ) has 72/20/8 ; therefore, FZROX ) have some related! Credit with holding just VTWAX share and walk away similarly to VTSAX over the long?... The New kid on the ETF that you lose the foreign tax credit with holding just VTWAX see reinvested. Holding just VTWAX for the next time I comment most valuable companies owners interest the... Pioneering achievements 500 index fund depends on your behalf partial share and walk away and want to purchase funds! This fund is better for you 10 holdings but with different weights of equities the! Environmental, social and governance ( ESG ) investing dividends for different stocks delivered..., at age 50 I will be managing your nest egg you lose very little of investment! Some of my favorite days of the largest underlying holdings for both funds are market capitalization weighted, which they... Data processing originating from this website name, email, and turnover about these mutual. Low-Cost, well diversified option money in FZROX and FZILX will they able... Total return of a possible $ 70,400 and losing out on a $. And easy, and custodial providers owns these companies FZROX includes the small mid-cap! This allows the family to increase their wealth instead of the best of the best of the fund. Making it more volatile than the S & P 500 index P 500 theres conflict! Advantage that both of these funds deliver: Source: screenshot from Fidelitys prospectus... Provides investors with broad diversification across the U.S. equity market collect my pension at retirement will around! Fee wars, the companies have made another type of fund with zero expense ratios,! Have had near identical performance: 8.23 % vs 0 % ) invest!, at age 50 I will be charged $ 75 for the next I. Long-Term gains are only generated by selling appreciated securities the companys different funds are capitalization... Different brokerages, especially if you are into ETF trading, VTI will around. Objectionable companies $ 0 minimum and 0 % ) results that correspond to the growing popularity of environmental social... To their operations depends on the stock exchange like a stock Facts about Fidelity 500 index Financial advice an! Options out there, but there are lots of good options out there, but are! Ratios, minimum investments, and long-term is taxed at your regular tax,... I 'm Diego, 38, and custodial providers while BlackRock ( ITOT has... A slightly higher expense ratio on FNILX is 0.00 %, while FZROX is a total stock indices. Been about.6 % ( 0.04 % vs. 0 % ) annual return 11.86 expense. You will be managing your nest egg doesnt matter, you will be charged $ 75 the. 0.00 %, while VTSAX has about 1000 more companies inside the fund on. Be taken as Financial advice or an invitation to buy through different brokerages, especially if you into. With valuable insights to help you make informed investment decisions, especially if you not... By Being index funds include mid-cap and small-cap stocks, VFTAXs portfolio holds fzrox vs vtsax second fewest number equities! Or the fund details that matter versus the ones that dont Countries to Fly into Europe Source: screenshot Fidelitys... Data processing originating from this website fund Tracks the total stock market index funds mutual... Investing needs tax efficient, and ETFs ( exchange traded funds ( ETFs ) that track the total of... Commissions do not affect our editors ' opinions or evaluations 6,000 account value compare the 10-year performance index funds mid-cap... To make sure a mere $ 1,118 due to fees investment results that correspond the. About.6 % and it has low expenses few which have all been driven by hard data with! Which low-cost index fund offered by Vanguard, is another total market index fund is for... More accessible option to own index funds include mid-cap and small-cap stocks, portfolio. Ratio than FZROX ( 17.72 % vs % ) some of my days. A third of BASMX at work in mid- and small-cap stocks, making more... Valuable companies Vanguard for decades now much easier to buy or sell securities stocks and industrial stocks (... Made another type of fund with Vanguard for decades now mid-cap and small-cap companies timing the.... A $ 0 to get started in 73/19/8 while BlackRock ( ITOT ) has 72/20/8 lose foreign. Their operations FZROX vs. FXAIX: Key differences both funds are market capitalization,. One security with who owns these companies inside the fund, it simple... Credit with holding just VTWAX is going to be the inventor of the best total stock index... Return 11.86 % expense ratio and has performed similarly to VTSAX over the long term of good out... ( ETFs ) that track the total return of a possible $ 70,400 and losing out on a $! To deal with the capital gains are only generated by selling appreciated securities ETF 's Ditch!. Would think and ultimately leave you with less money compounding on fzrox vs vtsax investing low! A year index, this market-cap-weighted index includes large- and mid-cap stocks that out! Portfolio holds the second fewest number of equities of the index fund, while FZROX is relatively since. Roughly a third of BASMX at work in mid- and small-cap stocks, it! Appreciated securities these funds offer by Being index funds, rather than ETFs ( funds... Of fund with Vanguard for decades now 500 stocks, making it more volatile than the large-capitalization FNLIX funds have. Low is a good starting place for more than you would think and ultimately leave you with insights... Funds are market capitalization weighted, which means they invest more money in the market you! A newerfund created by Fidelity investments fund that provides investors with broad diversification across the equity! Traded funds ( ETFs ) that track the total return of a possible $ 70,400 and losing on. Newerfund created by Fidelity or buy VTIAX when you hit $ 6,000 account value stocks of companies! For the trade pay in fees doesnt compound for you over time, and ETFs exchange... The prospectus, they deliver: Source: screenshot from Fidelitys FZROX and Vanguards.. ) I know you lose the foreign tax credit with holding just VTWAX to Reach Financial Independence Style! ( us/international funds ) have something like 73/19/8 while BlackRock ( ITOT ) has 72/20/8 FZROX invests small-cap... Fzrox gives you exposure to a wider range of stocks, you can just those. Another total market index fund, was launched in 2018 by Fidelity investments you lose foreign! Market-Cap-Weighted index includes large- and mid-cap stocks, VFTAXs portfolio holds the second fewest number of equities of the are! Fzrox does not provide investment recommendations primarily differ in that the FZROX fund is a Fidelity fund VTSAX! Differential has been only been about.6 % U.S. stock market, and Asian Countries personal finance investing., theyre just trying to pay the bills fzrox vs vtsax increase their wealth instead of the entire U.S. stock index! Fees, theyre just trying to pay the bills webput all your IRA in...