FSPSX or EFA — which is better?

FSPSX is the cheaper fund (0.035% vs 0.32% expense ratio). Over the last five years FSPSX returned more (+52.30% vs +50.33%, total return). Their portfolios overlap by about 35% of weight. FSPSX and EFA on the same index — a mutual fund priced once a day against an ETF traded all day: the fee, the tracking and the minimum.

How much do FSPSX and EFA overlap?

FSPSX and EFA overlap by about 35% of portfolio weight, sharing 161 holdings (per each fund's latest SEC N-PORT filing, weights rolled forward to today).

Is ChartRow affiliated with any of these funds?

No. ChartRow is independent and not affiliated with, sponsored by, or endorsed by Fidelity, BlackRock. Comparisons are derived independently from public SEC filings and market data; not investment advice.

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FSPSX vs EFA (2026)

FSPSX

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EFA

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Fidelity International Index Fund and iShares MSCI EAFE ETF side by side. FSPSX is the cheaper fund (0.035% vs 0.32% expense ratio). Over the last five years FSPSX returned more (+52.30% vs +50.33%, total return). Their portfolios overlap by about 35% of weight. Not investment advice.

Fund facts#

Data provided bySource: Twelve Data

Returns as of market close, Oct 30, 2026. The charts run through the Oct 30 close.

	FSPSX	EFA
Focus	International Stock Funds	Developed ex-US
Expense ratio	0.035%	0.32%
AUM	$88.5B	$78B
Distribution yield	—	3.23%
Holdings	664	661
1M total	-0.6%	-0.5%
YTD total	+9.5%	+9.3%
1Y total	+13.3%	+12.9%
3Y total	+71.9%	+70.3%
5Y total	+52.3%	+50.3%
10Y total	—	+140%
3Y total CAGR	+19.8%/yr	+19.4%/yr
5Y total CAGR	+8.8%/yr	+8.5%/yr
10Y total CAGR	—	+9.2%/yr
Issuer	Fidelity	BlackRock
Inception	—	2001-08-14

All returns are total returns (dividends reinvested), through the latest price during the session. CAGR = compound annual growth rate. '—' means the fund's history doesn't span the horizon. A mutual fund's AUM is its whole fund's, every share class together (its SEC filing); an ETF's is its own. Returns run to Oct 30, 2026, the last month-end, as fund companies report a mutual fund's: a fund that pays monthly books each month's income on its last business day, so a return to a later day would leave that month's income out.

Annualized returns (CAGR)#

Data provided bySource: Twelve Data

FSPSXEFA

+12.6%+12.3%+17.6%+17.4%+20.2%+19.9%+8.8%+8.5%+9.2%+7.4%+5.1%+6.7%1Ysince 10/20/252Ysince 10/21/243Ysince 10/23/235Ysince 10/25/2110Ysince 10/24/1615Ysince 10/24/1120Ysince 10/23/0625Ysince 10/22/01

0%+5%+10%+15%+20%+25%

Compound annual growth rate per holding period, total return, from weekly adjusted closes. Horizons a fund's history can't span show no bar; horizons no fund spans are omitted.

Performance, rebased#

Data provided bySource: Twelve Data

Total return, rebased to 0% · FSPSX vs EFA

−5%0%+5%+10%+15%+20%2026FebMarAprMayJunJulAugSepOctNov

FSPSX+10.1%EFA+10.0%

Nov 12, 2026

FSPSX+10.1%

EFA+10.0%

Returns by year#

Data provided bySource: Twelve Data

Year	FSPSX	EFA
2017	—	+25.1%
2018	—	-13.8%
2019	—	+22.0%
2020	+8.2%	+7.6%
2021	+11.5%	+11.4%
2022	-14.2%	-14.4%
2023	+18.3%	+18.4%
2024	+3.7%	+3.5%
2025	+32.0%	+31.5%
2026 YTD	+9.5%	+9.3%

Total returns (dividends reinvested), calendar years.

Returns by year, charted#

FSPSXEFA

+25.1%-13.8%+22.0%+8.2%+7.6%+11.5%+11.4%-14.2%-14.4%+18.3%+18.4%+3.7%+3.5%+32.0%+31.5%+9.5%+9.3%2017201820192020202120222023202420252026 YTD

−20%−10%0%+10%+20%+30%+40%

Holdings overlap#

FSPSX and EFA overlap by about 35% of portfolio weight — 161 shared holdings out of 664 in FSPSX and 661 in EFA, from each fund's latest SEC filing (Aug 31, 2026 / Jul 31, 2026).

Only in FSPSX

ROCHE HOLDING AG (1.4%), NESTLE SA (1.1%), SIEMENS AG (1.1%), ALLIANZ SE (0.9%), BSAC (0.9%) and 498 more.

Only in EFA

Roche Holding AG (1.5%), Nestle S.A. (1.2%), Siemens Aktiengesellschaft (1.1%), COMMONWEALTH BANK OF AUSTRALIA (1.0%), Allianz SE (0.9%) and 495 more.

Top 10 holdings, side by side#

FSPSXEFA

2.6%2.7%0.0%1.5%1.4%0.0%1.4%1.4%1.3%1.3%1.3%1.3%1.3%1.3%0.0%1.2%1.1%0.0%1.1%1.1%ASMLRoche Holding AGROCHE HOLDING AGHSBCNVSAZNSHELNestle S.A.NESTLE SASAP

0%0.5%1.0%1.5%2.0%2.5%3.0%

Merged top 10 across the funds — each column is the holding's % of that fund.

Sector weights#

Sector	FSPSX	EFA
Financials	5.9%	5.7%
Healthcare	4.6%	5.4%
Technology	4.2%	4.3%
Energy	3.6%	4.2%
Consumer Discretionary	1.6%	2.3%
Consumer Staples	2.0%	2.1%
Industrials	1.3%	1.7%
Materials	0.6%	0.6%
Communication Services	0.1%	0.0%
Utilities	0.0%	0.0%
Not on ChartRow	76.2%	73.7%

Sector weights, charted#

FSPSXEFA

5.9%5.7%4.6%5.4%4.2%4.3%3.6%4.2%1.6%2.3%2.0%2.1%1.3%1.7%0.6%0.6%0.1%0.0%0.0%0.0%76.2%73.7%FinancialsHealthcareTechnologyEnergyConsumer Discretion…Consumer StaplesIndustrialsMaterialsCommunication Servi…UtilitiesNot on ChartRow

0%20%40%60%80%

Growth from any starting date#

Data provided bySource: Twelve Data

Hover to move the starting point — every fund rebases to 1× at that date, so the comparison holds from any entry point back to 2019 (the earliest date all 2 funds existed). Log scale, weekly total returns.

0.25×0.5×1×2×4×rebased: Jul 2019

FSPSX2.0×EFA2.0×

Rebase at

Hover anywhere to rebase every line to 1× at that date and compare growth from that point — or pick a year above, which is the same thing with an address. Log scale.

Fund flows#

Period	FSPSX	EFA
Aug 2026	+$385.4M	—
Jul 2026	+$611.3M	−$441.6M
Jun 2026	+$457.9M	+$562.6M
May 2026	—	+$0
Apr 2026	—	+$0
Mar 2026	—	+$0

Net creations minus redemptions, derived from consecutive SEC N-PORT filings. The form only exists since mid-2019.

Fund flows, charted#

FSPSXEFA

+$320.3M−$11.8B+$422.1M−$1.8B−$1.2B+$1.8B+$2.8B+$1.5B+$473.7M20192020202120222023202420252026 YTD

−$15B−$10B−$5B$0$5B

Methodology#

Returns are total returns (dividends reinvested) from daily adjusted closes. Holdings, overlap, sector weights and flows derive from each fund's public SEC filings (Form N-PORT), anchored on the latest filing and rolled forward daily by price moves. Overlap is the sum of the smaller weight across shared holdings. See each fund's full holdings: FSPSX holdings · EFA holdings. Past performance does not predict future returns; not investment advice.

FAQ#

FSPSX or EFA — which is better?: FSPSX is the cheaper fund (0.035% vs 0.32% expense ratio). Over the last five years FSPSX returned more (+52.30% vs +50.33%, total return). Their portfolios overlap by about 35% of weight. FSPSX and EFA on the same index — a mutual fund priced once a day against an ETF traded all day: the fee, the tracking and the minimum.
How much do FSPSX and EFA overlap?: FSPSX and EFA overlap by about 35% of portfolio weight, sharing 161 holdings (per each fund's latest SEC N-PORT filing, weights rolled forward to today).
Is ChartRow affiliated with any of these funds?: No. ChartRow is independent and not affiliated with, sponsored by, or endorsed by Fidelity, BlackRock. Comparisons are derived independently from public SEC filings and market data; not investment advice.