The results after 30 years might shock you.
John finally did it.
After years of saving, investing, and staying disciplined, he hit a milestone most people only dream about: $1,000,000 in cash.
But instead of feeling secure… he felt uneasy.
Because John understands one brutal truth about money:
👉 $1 million today won’t feel like $1 million in 30 years.
Inflation never sleeps — so the real question is:
Will time grow his wealth faster than inflation can destroy it?
To find out, John runs a simple but powerful experiment using five of Fidelity’s most popular index funds.
The Rules of the Experiment
One-time investment: $1,000,000
No additional contributions
All dividends are reinvested
Zero emotion, zero trading
Time does all the work
Then he lets 30 years of compounding decide the winner.
#5 – Fidelity 500 Index Fund (FXAIX): The Steady Giant
John starts with the most famous index fund of all: the S&P 500.
FXAIX owns America’s 500 largest companies — tech, healthcare, finance, energy, retail — basically the businesses people interact with every single day.
No stock picking.
No predictions.
Just the U.S. economy doing its thing.
Why it works:
The index constantly refreshes itself. Winners grow bigger, losers fade away. Success is rewarded automatically.
Key stats:
Dividend yield: ~1.12%
Dividend growth: ~3.32%
Historical annual return: ~12.6%
John’s $1M becomes:
Year 10: ~$3.5M
Year 20: ~$11.7M
Year 30: ~$38.9M
Not flashy — but incredibly reliable.
#4 – Fidelity ZERO Total Market Index Fund (FZROX): Bigger Net, Zero Fees
Next, John widens the lens.
Instead of just the top 500 companies, FZROX owns the entire U.S. market — large caps, mid caps, and small companies trying to become the next big thing.
And here’s the kicker:
👉 Zero expense ratio.
No fees. Not even 0.01%.
Key stats:
Dividend yield: ~0.99%
Dividend growth: ~7.55%
Historical annual return: ~13.42%
John’s $1M becomes:
Year 10: ~$3.77M
Year 20: ~$13.77M
Year 30: ~$49.5M
Just by expanding beyond the S&P 500, John earns $10+ million more over 30 years.
#3 – Fidelity U.S. Sustainability Index Fund (FITLX): Growth with Momentum
Now things get interesting.
FITLX filters for U.S. companies with strong environmental, social, and governance (ESG) practices — but this isn’t about ideology.
In reality, the filter naturally tilts toward:
Technology
Cloud computing
Innovative consumer brands
Forward-thinking companies
These businesses tend to scale faster and reinvest aggressively.
Key stats:
Dividend yield: ~1.1%
Dividend growth: ~13.74%
Annual price growth: ~13.41%
John’s $1M becomes:
Year 10: ~$3.88M
Year 20: ~$15.1M
Year 30: ~$59.8M
At this point, the portfolio generates ~$52,000 per month in dividends.
#2 – Fidelity ZERO Large Cap Index Fund (FNILX): Pure Market Dominance
This fund goes all-in on America’s largest and most powerful companies.
No small caps.
No filters.
No fees.
Just dominant businesses with global reach, massive cash flow, and the ability to survive downturns and crush competitors.
Key stats:
Dividend yield: ~0.93%
Dividend growth: ~11.72%
Annual growth: ~14.31%
Expense ratio: 0%
John’s $1M becomes:
Year 10: ~$4.9M
Year 20: ~$16.5M
Year 30: ~$65.5M
That’s nearly $27 million more than the S&P 500 fund.
#1 – Fidelity NASDAQ Composite Index Fund (FNCMX): The Compounding Monster 🚀
This is where everything changes.
FNCMX tracks the NASDAQ Composite, home to:
Apple
Microsoft
Nvidia
Amazon
Meta
AI, semiconductors, biotech, software, innovation
These companies don’t pay much in dividends — because they’re busy reinventing the world.
The ride is volatile.
But long-term? Explosive.
Key stats:
Dividend yield: ~0.5%
Dividend growth: negative (tech reinvests profits)
Annual growth: ~16.12%
John’s $1M becomes:
Year 10: ~$4.54M
Year 20: ~$20.27M
Year 30: ~$90.3 MILLION
Yes.
Ninety. Million. Dollars.
Almost all of it comes from pure price appreciation.
The Big Lesson
You don’t need a million dollars to start.
You need time, discipline, and the right ETFs.
Compounding doesn’t reward effort.
It rewards patience.
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Start small. Think long-term. Let time work for you.
💬 What would you invest in if you had $1 million today?
🔁 Share this with someone who needs to see the power of compounding.
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