5 fund 401k
Asset Allocation
| Position | Category/Sector | Target Weight |
|---|---|---|
FSMDX Fidelity Mid Cap Index Fund | Mid Cap Blend Equities | 5% |
FSPSX Fidelity International Index Fund | Large Cap Blend Equities, Foreign Large Cap Equities | 30% |
FSSNX Fidelity Small Cap Index Fund | Small Cap Blend Equities | 5% |
FXAIX Fidelity 500 Index Fund | Large Cap Blend Equities | 40% |
FXNAX Fidelity U.S. Bond Index Fund | Total Bond Market | 20% |
Performance
Performance Chart
The chart shows the growth of an initial investment of $10,000 in 5 fund 401k, comparing it to the performance of the S&P 500 index or another benchmark. All prices have been adjusted for splits and dividends. The portfolio is rebalanced every 3 months.
The earliest data available for this chart is Sep 14, 2011, corresponding to the inception date of FSSNX
Returns By Period
As of Apr 18, 2025, the 5 fund 401k returned -2.80% Year-To-Date and 7.19% of annualized return in the last 10 years.
| YTD | 1M | 6M | 1Y | 5Y* | 10Y* | |
|---|---|---|---|---|---|---|
^GSPC S&P 500 | -10.18% | -5.91% | -9.57% | 5.19% | 12.98% | 9.68% |
| 5 fund 401k | -6.21% | -5.25% | -6.97% | 6.62% | 11.80% | 8.20% |
| Portfolio components: | ||||||
FXAIX Fidelity 500 Index Fund | -9.86% | -5.85% | -9.00% | 6.58% | 14.59% | 11.42% |
FSSNX Fidelity Small Cap Index Fund | -15.32% | -8.15% | -16.89% | -2.01% | 9.79% | 4.24% |
FSMDX Fidelity Mid Cap Index Fund | -8.71% | -5.55% | -10.79% | 2.40% | 11.40% | 6.89% |
FSPSX Fidelity International Index Fund | 7.28% | -4.21% | 0.99% | 10.05% | 10.96% | 5.23% |
FXNAX Fidelity U.S. Bond Index Fund | 1.37% | -0.68% | -0.08% | 5.97% | -1.25% | 1.15% |
Monthly Returns
The table below presents the monthly returns of 5 fund 401k, with color gradation from worst to best to easily spot seasonal factors. Returns are adjusted for dividends.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2025 | 3.11% | -0.57% | -4.22% | -4.48% | -6.21% | ||||||||
| 2024 | 0.70% | 4.33% | 3.14% | -3.96% | 4.63% | 1.80% | 2.23% | 2.32% | 1.78% | -1.92% | 4.77% | -3.01% | 17.61% |
| 2023 | 6.80% | -2.51% | 2.70% | 1.44% | -0.87% | 5.76% | 3.05% | -2.24% | -4.44% | -2.66% | 8.71% | 5.17% | 21.82% |
| 2022 | -5.00% | -2.53% | 2.21% | -7.90% | 0.59% | -7.98% | 7.85% | -4.13% | -8.85% | 6.99% | 6.86% | -4.56% | -17.02% |
| 2021 | -0.64% | 2.59% | 3.09% | 4.20% | 1.29% | 1.27% | 1.48% | 2.40% | -3.92% | 5.29% | -1.74% | 3.68% | 20.29% |
| 2020 | -0.61% | -7.02% | -12.27% | 10.00% | 4.52% | 2.18% | 4.22% | 5.48% | -2.92% | -2.38% | 11.21% | 3.94% | 14.68% |
| 2019 | 7.11% | 2.82% | 1.38% | 3.21% | -5.15% | 6.05% | 0.47% | -1.46% | 1.85% | 2.21% | 2.66% | 2.45% | 25.65% |
| 2018 | 4.48% | -3.79% | -1.38% | 0.56% | 1.25% | 0.01% | 2.86% | 1.65% | 0.28% | -6.80% | 1.42% | -7.51% | -7.47% |
| 2017 | 1.94% | 2.64% | 0.82% | 1.31% | 1.63% | 0.52% | 1.95% | 0.13% | 2.10% | 1.75% | 2.10% | 0.81% | 19.19% |
| 2016 | -4.60% | -0.66% | 5.97% | 0.96% | 1.03% | -0.28% | 3.56% | 0.25% | 0.43% | -2.04% | 1.94% | 1.59% | 8.06% |
| 2015 | -1.18% | 4.83% | -0.96% | 1.27% | 0.75% | -1.87% | 1.54% | -5.55% | -2.82% | 6.51% | 0.04% | -2.16% | -0.19% |
| 2014 | -2.92% | 4.47% | 0.12% | 0.65% | 1.86% | 1.76% | -1.90% | 2.58% | -2.38% | 1.60% | 1.64% | -0.57% | 6.84% |
Expense Ratio
5 fund 401k has an expense ratio of 0.02%, which is considered low. Below, you can find the expense ratios of the portfolio's funds side by side and easily compare their relative costs.
Risk-Adjusted Performance
Risk-Adjusted Performance Rank
The current rank of 5 fund 401k is 64, indicating average performance compared to other portfolios on our website. Here’s a breakdown of how it compares using common performance measures.
Risk-Adjusted Performance Indicators
This table presents a comparison of risk-adjusted performance metrics for positions. Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.
| Sharpe ratio | Sortino ratio | Omega ratio | Calmar ratio | Martin ratio | |
|---|---|---|---|---|---|
FXAIX Fidelity 500 Index Fund | 0.41 | 0.69 | 1.10 | 0.41 | 1.85 |
FSSNX Fidelity Small Cap Index Fund | -0.08 | 0.05 | 1.01 | -0.07 | -0.24 |
FSMDX Fidelity Mid Cap Index Fund | 0.13 | 0.32 | 1.04 | 0.12 | 0.44 |
FSPSX Fidelity International Index Fund | 0.63 | 0.96 | 1.13 | 0.77 | 2.22 |
FXNAX Fidelity U.S. Bond Index Fund | 1.15 | 1.73 | 1.20 | 0.42 | 2.85 |
Dividends
Dividend yield
5 fund 401k provided a 2.13% dividend yield over the last twelve months.
| TTM | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Portfolio | 2.13% | 2.27% | 2.14% | 2.10% | 1.89% | 1.73% | 2.41% | 2.37% | 2.06% | 2.33% | 2.66% | 3.06% |
| Portfolio components: | ||||||||||||
FXAIX Fidelity 500 Index Fund | 1.41% | 1.25% | 1.45% | 1.69% | 1.22% | 1.60% | 1.95% | 2.07% | 1.81% | 2.01% | 2.56% | 2.63% |
FSSNX Fidelity Small Cap Index Fund | 1.21% | 1.03% | 1.43% | 1.26% | 1.26% | 0.94% | 1.32% | 1.33% | 1.15% | 1.24% | 2.80% | 4.80% |
FSMDX Fidelity Mid Cap Index Fund | 1.28% | 1.17% | 1.39% | 1.59% | 1.10% | 1.37% | 1.42% | 1.85% | 1.32% | 1.35% | 2.29% | 3.82% |
FSPSX Fidelity International Index Fund | 2.70% | 3.27% | 2.79% | 2.66% | 3.07% | 1.84% | 3.18% | 2.79% | 2.36% | 2.99% | 2.79% | 3.53% |
FXNAX Fidelity U.S. Bond Index Fund | 3.14% | 3.40% | 2.92% | 2.41% | 1.81% | 2.10% | 2.69% | 2.74% | 2.52% | 2.52% | 2.69% | 2.59% |
Drawdowns
Drawdowns Chart
The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.
Worst Drawdowns
The table below displays the maximum drawdowns of the 5 fund 401k. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.
The maximum drawdown for the 5 fund 401k was 30.77%, occurring on Mar 23, 2020. Recovery took 107 trading sessions.
The current 5 fund 401k drawdown is 7.42%.
Depth | Start | To Bottom | Bottom | To Recover | End | Total |
|---|---|---|---|---|---|---|
| -30.77% | Feb 20, 2020 | 23 | Mar 23, 2020 | 107 | Aug 24, 2020 | 130 |
| -24.45% | Jan 5, 2022 | 196 | Oct 12, 2022 | 301 | Dec 19, 2023 | 497 |
| -17.12% | Sep 21, 2018 | 65 | Dec 24, 2018 | 85 | Apr 29, 2019 | 150 |
| -16.2% | Feb 19, 2025 | 35 | Apr 8, 2025 | — | — | — |
| -14.87% | May 22, 2015 | 183 | Feb 11, 2016 | 126 | Aug 11, 2016 | 309 |
Volatility
Volatility Chart
The current 5 fund 401k volatility is 11.91%, representing the average percentage change in the investments's value, either up or down over the past month. The chart below shows the rolling one-month volatility.
Diversification
Asset Correlations Table
| FXNAX | FSPSX | FSSNX | FXAIX | FSMDX | |
|---|---|---|---|---|---|
| FXNAX | 1.00 | -0.08 | -0.14 | -0.14 | -0.13 |
| FSPSX | -0.08 | 1.00 | 0.70 | 0.76 | 0.76 |
| FSSNX | -0.14 | 0.70 | 1.00 | 0.83 | 0.93 |
| FXAIX | -0.14 | 0.76 | 0.83 | 1.00 | 0.92 |
| FSMDX | -0.13 | 0.76 | 0.93 | 0.92 | 1.00 |