FHLKX vs. FSPSX
Compare and contrast key facts about Fidelity Health Savings Fund Class K (FHLKX) and Fidelity International Index Fund (FSPSX).
FHLKX is managed by Fidelity. It was launched on Mar 2, 2020. FSPSX is a passively managed fund by Fidelity that tracks the performance of the MSCI ACWI ex USA IMI Index. It was launched on Nov 5, 1997.
Performance
FHLKX vs. FSPSX - Performance Comparison
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FHLKX vs. FSPSX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | |
|---|---|---|---|---|---|---|---|
FHLKX Fidelity Health Savings Fund Class K | -0.73% | 12.17% | 7.06% | 9.82% | -14.79% | 5.50% | 10.70% |
FSPSX Fidelity International Index Fund | -1.94% | 31.98% | 3.70% | 18.31% | -14.23% | 11.45% | 21.16% |
Returns By Period
In the year-to-date period, FHLKX achieves a -0.73% return, which is significantly higher than FSPSX's -1.94% return.
FHLKX
- 1D
- 0.09%
- 1M
- -4.25%
- YTD
- -0.73%
- 6M
- 1.25%
- 1Y
- 10.18%
- 3Y*
- 7.91%
- 5Y*
- 3.52%
- 10Y*
- —
FSPSX
- 1D
- 0.42%
- 1M
- -10.86%
- YTD
- -1.94%
- 6M
- 2.58%
- 1Y
- 19.89%
- 3Y*
- 13.50%
- 5Y*
- 7.96%
- 10Y*
- 8.65%
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FHLKX vs. FSPSX - Expense Ratio Comparison
FHLKX has a 0.37% expense ratio, which is higher than FSPSX's 0.04% expense ratio.
Return for Risk
FHLKX vs. FSPSX — Risk / Return Rank
FHLKX
FSPSX
FHLKX vs. FSPSX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Fidelity Health Savings Fund Class K (FHLKX) and Fidelity International Index Fund (FSPSX). 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.
| FHLKX | FSPSX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.52 | 1.11 | +0.40 |
Sortino ratioReturn per unit of downside risk | 2.12 | 1.56 | +0.56 |
Omega ratioGain probability vs. loss probability | 1.32 | 1.23 | +0.09 |
Calmar ratioReturn relative to maximum drawdown | 1.96 | 1.54 | +0.42 |
Martin ratioReturn relative to average drawdown | 8.66 | 5.93 | +2.73 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
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Sharpe Ratios by Period
| FHLKX | FSPSX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.52 | 1.11 | +0.40 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.53 | 0.51 | +0.03 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | — | 0.53 | — |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.62 | 0.46 | +0.16 |
Correlation
The correlation between FHLKX and FSPSX is 0.77, which is considered to be high. That indicates a strong positive relationship between their price movements. Having highly-correlated positions in a portfolio may signal a lack of diversification, potentially leading to increased risk during market downturns.
Dividends
FHLKX vs. FSPSX - Dividend Comparison
FHLKX's dividend yield for the trailing twelve months is around 3.09%, less than FSPSX's 3.22% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
FHLKX Fidelity Health Savings Fund Class K | 3.09% | 3.05% | 3.01% | 2.88% | 3.85% | 2.84% | 1.73% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
FSPSX Fidelity International Index Fund | 3.22% | 3.15% | 3.27% | 2.79% | 2.66% | 3.07% | 1.84% | 3.18% | 2.79% | 2.50% | 3.08% | 2.79% |
Drawdowns
FHLKX vs. FSPSX - Drawdown Comparison
The maximum FHLKX drawdown since its inception was -19.09%, smaller than the maximum FSPSX drawdown of -33.69%. Use the drawdown chart below to compare losses from any high point for FHLKX and FSPSX.
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Drawdown Indicators
| FHLKX | FSPSX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -19.09% | -33.69% | +14.60% |
Max Drawdown (1Y)Largest decline over 1 year | -4.97% | -11.39% | +6.42% |
Max Drawdown (5Y)Largest decline over 5 years | -19.09% | -29.41% | +10.32% |
Max Drawdown (10Y)Largest decline over 10 years | — | -33.69% | — |
Current DrawdownCurrent decline from peak | -4.34% | -10.86% | +6.52% |
Average DrawdownAverage peak-to-trough decline | -4.94% | -6.59% | +1.65% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.13% | 2.96% | -1.83% |
Volatility
FHLKX vs. FSPSX - Volatility Comparison
The current volatility for Fidelity Health Savings Fund Class K (FHLKX) is 2.76%, while Fidelity International Index Fund (FSPSX) has a volatility of 7.04%. This indicates that FHLKX experiences smaller price fluctuations and is considered to be less risky than FSPSX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| FHLKX | FSPSX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 2.76% | 7.04% | -4.28% |
Volatility (6M)Calculated over the trailing 6-month period | 4.38% | 10.63% | -6.25% |
Volatility (1Y)Calculated over the trailing 1-year period | 6.76% | 16.79% | -10.03% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 6.65% | 15.77% | -9.12% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 7.26% | 16.47% | -9.21% |