FCTDX Mutual Fund — Strategic Advisers Fidelity U.S. Total Stock Fund

Strategic Advisers Fidelity U.S. Total Stock Fund (FCTDX)

Updated October 16, 2026.

FCTDX is a Mutual Fund. its distribution rate is 5.52%, its trailing-12-month yield is 5.52%, its expense ratio is 0.42%. Dividend Vision Distribution Safety Score™ is 70/100 (Generally safe). Total return is 227.5% over the past 8.6 years, 8.9 points behind SPY at 236.4%.

This mutual fund invests at least 80% of its assets in U.S. stocks, either directly or through other funds, and is designed to track the broad U.S. equity market. The fund offers a modest current distribution rate with semi-annual payouts and carries an expense ratio of 0.42%. It appeals to equity-focused investors seeking broad domestic stock market exposure with a straightforward, low-cost structure.

FCTDX performance versus SPY

Price and return data through 2026-10-16.

Total return is 227.5% over the past 8.6 years, 8.9 points behind SPY at 236.4%. Over the past year its total return — price change plus distributions reinvested — is 19.9%. Its deepest 1-year drawdown was 9.0%.

FCTDX key facts

Distribution Safety Score™

70 · Generally safe

Safety-Adjusted Yield

3.86%

Issuer

Fidelity Investments

Asset type

Mutual Fund

Asset class

Equity

Inception date

03/20/2018

Expense ratio

0.42%

Distribution rate

5.52%

Distribution frequency

Semi-Annual

Trailing yield

5.52%

Last close

$21.83 (as of 2026-10-16)

NAV

$23.22 as of 2026-09-30; source eodhd (stale)

Premium / discount

N/A (price 2026-10-16, NAV 2026-09-30) (NAV stale)

AUM

$265,751,880,000

Average volume

0.0

Dividend

$0.831

Ex-dividend date

07/10/2026

Payment date

07/13/2026

Beta

1.01

How Dividend Vision calculates yield and returns

Distribution rate (5.52%) uses calculation basis unavailable. Issuer rates can use a different denominator and date, including ex-date NAV. Trailing-12-month yield (5.52%) is the sum of split-adjusted cash distributions with ex-dates in the last 12 months, divided by the published price. It lags a recent raise or cut. Total return uses split-adjusted close with distributions reinvested on the ex-dividend date (a modeling convention, not the cash-settlement date) from the first stored bar on or after inception through the latest bar, compared with the same window on the benchmark. That is the security's total return, not your personal gain/loss.

Yield and safety methodology · Distribution rate methodology · Distribution Safety Score methodology

Sources and review

Primary sources: Fidelity Investments; prices and distributions from Dividend Vision, derived from vendor EOD data.

Reviewed by Bert Sweet, CEO and Co-owner of Dividend Vision. Methodology: Distribution Safety Score.

FCTDX risks and drawbacks

Payments are semi-annual, so cash flow is lumpy versus a monthly fund. Total return has trailed SPY over the available window. The deepest 1-year drawdown on record here is 9.0%.

Who may consider FCTDX — and who may not

FCTDX may suit someone looking for moderate current income with a quality tilt. It is a weaker fit for investors who need monthly cash flow (FCTDX pays semi-annual); investors hunting double-digit covered-call yields; investors whose main goal is matching SPY total return. This is educational context, not a recommendation to buy or sell.

More on FCTDX

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Tagged: Mutual Fund.

Frequently asked questions

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