Fidelity S&P 500 Index Fund P-ACC-EUR vs Vanguard S&P 500 (Acc)
Fidelity S&P 500 Index Fund P-ACC-EUR and Vanguard S&P 500 (Acc) both track S&P 500. Before fees, they should perform almost identically — so the annual fee (TER) is the single biggest factor separating what you'll actually end up with.
Comparison
| Fidelity S&P 500 Index Fund P-ACC-EUR | Vanguard S&P 500 (Acc) | |
|---|---|---|
| TER | 0.06% | 0.07% |
| Hist. return* | ~10% | ~10% |
| ISIN | IE00BYX5MX67 | IE00BFMXXD54 |
| Replication | Physical | Physical |
| Distribution | Accumulating | Accumulating |
| Domicile | Irlanda | Irlanda |
The real cost: TER compounded
Contributing €300/month over the same years to both funds, here's the final wealth:
| Horizon | Fidelity S&P 500 Index Fund P-ACC-EUR | Vanguard S&P 500 (Acc) | Difference |
|---|---|---|---|
| 10 years | €61,750 | €61,714 | €36 |
| 20 years | €227,918 | €227,621 | €297 |
| 30 years | €675,074 | €673,632 | €1,442 |
Fidelity S&P 500 Index Fund P-ACC-EUR ends up with more wealth at all three horizons, purely thanks to its lower fee.
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Create free accountFrequently asked questions
What's the real difference between Fidelity S&P 500 Index Fund P-ACC-EUR and Vanguard S&P 500 (Acc)?+
Both track S&P 500, so the expected gross return is the same. The difference is the fee: 0.06% for Fidelity S&P 500 Index Fund P-ACC-EUR vs 0.07% for Vanguard S&P 500 (Acc).
Which one is cheaper over the long run?+
With €300/month over 20 years, Fidelity S&P 500 Index Fund P-ACC-EUR would end up with roughly €297 more, purely from the lower fee compounding over time.
Can I have both at the same time?+
Yes, nothing stops you — but since they track the same index, holding both mostly adds complexity (two lines to rebalance) without real diversification.
Does a lower TER always mean it's the better choice?+
Usually yes for two funds tracking the identical index, but also check replication method, distribution policy (accumulating vs distributing) and where you can actually buy it before deciding.
Other comparisons
* Indicative long-term annualized historical return of the benchmark index, not the fund. Always check the up-to-date TER, risk and data in the official factsheet linked. Past returns do not guarantee future returns.