Fidelity vs Xtrackers
Both providers track indices, so neither "performs" better than the other — what separates them is cost, range and which markets they actually cover. Fidelity has 10 products in this catalog and Xtrackers has 22, overlapping in 7 categories. Xtrackers offers the cheapest fund in 4 of those 7 categories.
Fidelity
- Products
- 10
- Lowest TER
- 0.06%
- Average TER
- 0.61%
- Categories
- 8
Xtrackers
- Products
- 22
- Lowest TER
- 0.07%
- Average TER
- 0.21%
- Categories
- 11
Which one is cheaper, and where
Xtrackers offers the cheapest fund in 4 of the 7 categories both cover.
The cheapest fund from each, category by category
Each provider’s lowest-fee product within every shared category, head to head. The index each one tracks is shown too, because two funds in the same category do not always track the same thing.
| Category | Fidelity | Xtrackers | Difference |
|---|---|---|---|
| Sustainable | Fidelity Funds - Sustainable Water & Waste FundMSCI ACWI NR USD1.90% | Xtrackers MSCI Emerging Markets ESGMSCI Emerging Markets ESG0.18% | €172/year per €10,000 |
| Technology | Fidelity Global TechnologyGlobal technology sector (active)1.00% | Xtrackers Artificial Intelligence and Big DataNasdaq Global Artificial Intelligence and Big Data0.35% | €65/year per €10,000 |
| Global | Fidelity MSCI World Index Fund P-ACC-EURMSCI World0.12% | Xtrackers FTSE All-WorldFTSE All-World0.15% | €3/year per €10,000 |
| Japan | Fidelity MSCI Japan Index Fund P-ACC-EURMSCI Japan0.10% | Xtrackers MSCI JapanMSCI Japan0.12% | €2/year per €10,000 |
| USA | Fidelity S&P 500 Index Fund P-ACC-EURS&P 5000.06% | Xtrackers S&P 500S&P 5000.07% | €1/year per €10,000 |
| Emerging | Fidelity MSCI Emerging Markets Index Fund P-ACC-EURMSCI Emerging Markets0.19% | Xtrackers MSCI Emerging MarketsMSCI Emerging Markets0.18% | €1/year per €10,000 |
| Europe | Fidelity MSCI Europe Index Fund P-ACC-EURMSCI Europe0.10% | Xtrackers DAXDAX 400.09% | €1/year per €10,000 |
What each one covers
Only at Fidelity
Only at Xtrackers
Structural differences
Fidelity
- Accumulating
- 80%
- Physical replication
- 100%
- Are ETFs
- 20%
- Domicile
- Ireland, Luxembourg
Xtrackers
- Accumulating
- 86%
- Physical replication
- 91%
- Are ETFs
- 86%
- Domicile
- Ireland, Luxembourg, Germany, Jersey
Other provider comparisons
Frequently asked questions
Is Fidelity or Xtrackers cheaper?+
Xtrackers offers the cheapest fund in 4 of the 7 categories both cover, against 3 for Fidelity. But "cheaper overall" is the wrong question: what matters is which is cheaper in the category you are actually buying.
Where is the difference between Fidelity and Xtrackers biggest?+
In sustainable (ESG) criteria: Fidelity Funds - Sustainable Water & Waste Fund charges 1.90% against 0.18% for Xtrackers MSCI Emerging Markets ESG. On €10,000 invested that is a €172.00 difference every year, in favour of Xtrackers.
Which one has the wider range?+
Xtrackers, with 22 products against 10. Coverage is not identical either: Fidelity covers high-dividend companies where Xtrackers does not; Xtrackers covers fixed income, gold, a specific thematic sector, listed real estate where Fidelity does not.
Are there structural differences beyond fees?+
Yes. Fidelity's products in this catalog are 80% accumulating and 100% physically replicated, domiciled in Ireland, Luxembourg. Xtrackers's are 86% accumulating and 91% physical, domiciled in Ireland, Luxembourg, Germany, Jersey. For a Spanish investor the accumulating/distributing split matters for tax, and domicile matters for dividend withholding.
Does this comparison look at past performance?+
No, deliberately. Two funds tracking the same index deliver almost identical returns before fees, so comparing their past returns tells you about the index, not about the provider. The fee is the part the provider actually controls, and the only one you know for certain the day you invest.
Cost and coverage comparison computed over this site’s catalog, which is a sample and not each provider’s full product range. Returns are not compared: two funds tracking the same index perform almost identically before fees, so past performance tells you about the index, not the provider. Educational content, not a recommendation.