FSOSX vs VIAAX Fund Comparison

A comparison between FSOSX and VIAAX based on their expense ratio, growth, holdings and how well they match their benchmark performance.

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Minafi's Take on FSOSX vs VIAAX

Here's an in depth look at the differences between Fidelity® Series Overseas Fund ($FSOSX) and Vanguard International Dividend Appreciation Index Fund Admiral Shares ($VIAAX).

To start off, here's a look at the basics of each fund. Keep an eye on the FI Score. That's a custom score from 0 to 100 that we generate based on how good this fund is for the casual investor. Most investors only need a handful of total funds in their portfolio. The higher the score, the more likely this is one of those few. Score alone isn't enough! Keep reading on to see how different (or perhaps similar) these two funds are.

93% FI Score
  • fsosx
  • Mutual Fund
  • International Stocks
  • Large Growth

Fidelity® Series Overseas Fund

Expenses: 0.01% (Better than 1% of similar funds)

This is a great choice for a Large Growth International Stocks fund. See why »

80% FI Score
  • viaax
  • Mutual Fund
  • International Stocks
  • Large Growth

Vanguard International Dividend Appreciation Index Fund Admiral Shares

Expenses: 0.20% (Better than 1% of similar funds)

This is an OK choice for a Large Growth International Stocks fund. See why »

Both $FSOSX and $VIAAX are categorized as Mutual Funds. Mutual funds are often offered by 401(k) platforms and are essentially the same as ETFs. Mutual funds are generally offered by an investment platform – Fidelity has Fidelity mutual funds, Vanguard has Vanguard mutual funds. Mutual funds are ideal for retirement investing since you can invest any amount. That allows you to invest every last cent and benefit from the market.

The biggest disadvantage of mutual funds is that you're usually limited to the funds on your investment platform. If you're investing on Fidelity, you'll want to pick Fidelity mutual funds (or any ETF). Same with Vanguard. Some platforms offer mutual funds from other platforms, but they may charge a purchse or redemption fee. I'd recommend using the same platform as your funds – or stick to ETFs.

To learn more about the difference between these two, you can read about the difference between ETFs and Mutual Funds.

When evaluating a fund, the first things I look at are:

  • What it invests in
  • How much it charges in fees
  • How large the fund is

Let's look into these criteria one by one and see if either of these funds stands out.

Fund Holdings Comparison

Both of these funds are International Stocks Large Growth funds – which means they're likely both investing in about the same investments behind the scenes.

Minafi's FI Score algorithm takes into account the category and market. The more niche a fund is, the lower the score. This doesn't mean it's a worse fund, but it does mean you should stop and make sure this a fund you need to diversify your portfolio.

FSOSX VIAAX
Market Score 9.1 /10 7.0 /10
Category Score 8.0 /10 8.0 /10
Total 17.1 15.0

A score of 10 means this is a solid market and category that almost every investor will want to have investments in. The lower the score, the more specific the investment. These scores are based on when most investors would add these funds to their portfolio. A score of 10 means that this fund (or one like it) belongs in a three-fund portfolio. The lower the score, the farther down in your portfolio a fund would go.

Winner: $FSOSX

Fee Comparison

Fees are one of the biggest killers of portfolio growth. The difference between a 2% fee and a 0.04% fee over 30 years can result in your portfolio having half the total value!

If you're just getting started investing and learning how fees impact your portfolio, I'd encourage you to read through my free investment course (specifically '2.2 - All About Fees') where I go over all the different types of fees you can be charged and how to lower them.

For these two funds, FSOSX has an expense ratio of 0.01% while VIAAX has an expense ratio of 0.20%. In this case, both of these funds have a similar fee.

Winner: $FSOSX (barely)

Fund Size Comparison

One place these two funds differ is in their total assets under management. This is a good indication of how many other investors trust this fund. A large fund by itself doesn't mean it's a good fund, but it is one thing to consider when figuring out how to choose the right fund.

In the case of these two funds, FSOSX is a large fund with 11.9 Billion in assets under management. VIAAX, on the other hand, is a medium fund with 2.22 Billion in assets under management.

Winner: $FSOSX, Fidelity® Series Overseas Fund

Which Should You Choose? FSOSX or VIAAX?

Since both of these funds are International Stocks Large Growth funds, you'll most likely only need to invest in one of these funds – not both. Running both of these funds through Minafi's FI Score algorithm, gives FSOSX a score of 93 and VIAAX a score of 80.

In this case, one fund has a 90+ score – which the clear winner between these two.

Winner: $FSOSX, Fidelity® Series Overseas Fund

$FSOSX

Fidelity® Series Overseas Fund

93

Read More
Ratings
Rating Type Rating
Expense Ratio Score 10 /10
Expense Rating 10 /10
Market Score 9 /10
Category Score 8 /10
Overview
Overview Details
Fund Type Mutual Fund
Inception Date Jun-21-2019
Exchange NMFQS
Expense Ratio 0.010%
Net Assets 11.9 Billion
Yield 0.00%
Holdings
Description Info
Market International Stocks
Category Large Growth
Sectors
  • Basic Materials 4.49%
  • Communication Services 4.48%
  • Consumer Cyclical 7.29%
  • Consumer Defensive 11.55%
  • Energy 2.31%
  • Financial Services 18.98%
  • Healthcare 19.02%
  • Industrials 15.69%
  • Real Estate 1.01%
  • Technology 15.18%
  • Utilities 0.00%
Regions
  • Africa/Middle East 1.08%
  • Asia Developed 3.39%
  • Asia Emerging 2.87%
  • Europe Developed 52.31%
  • Japan 14.01%
  • Latin America 0.67%
  • North America 10.85%
  • United Kingdom 14.83%

$VIAAX

Vanguard International Dividend Appreciation Index Fund Admiral Shares

80

Read More
Ratings
Rating Type Rating
Expense Ratio Score 10 /10
Expense Rating 8 /10
Market Score 7 /10
Category Score 8 /10
Overview
Overview Details
Fund Type Mutual Fund
Inception Date Feb-26-2016
Exchange NMFQS
Expense Ratio 0.200%
Net Assets 2.22 Billion
Yield 2.15%
Holdings
Description Info
Market International Stocks
Category Large Growth
Sectors
  • Basic Materials 4.53%
  • Communication Services 10.80%
  • Consumer Cyclical 10.72%
  • Consumer Defensive 16.26%
  • Energy 2.80%
  • Financial Services 11.89%
  • Healthcare 15.19%
  • Industrials 10.03%
  • Real Estate 1.56%
  • Technology 14.11%
  • Utilities 2.10%
Regions
  • Africa/Middle East 1.84%
  • Asia Developed 8.69%
  • Asia Emerging 18.17%
  • Australasia 2.51%
  • Europe Developed 41.43%
  • Europe Emerging 0.22%
  • Japan 10.83%
  • Latin America 0.97%
  • North America 8.08%
  • United Kingdom 7.26%

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