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Top Zero-Commission Index Funds for New Investors

A curated selection of low-cost, broad-market index funds and ETFs designed for beginners. These options eliminate trading fees and offer minimal expense ratios, making them ideal for building a diversified portfolio with long-term growth potential and simplicity.

ID: 28258
Items: 20
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Vanguard Total Stock Market Index Fund Admiral Shares

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Offers exposure to the entire U.S. stock market with an exceptionally low expense ratio of 0.03%. This fund is perfect for beginners seeking comprehensive diversification in a single investment vehicle with a strong long-term performance track record.

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Fidelity ZERO Total Market Index Fund

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A unique offering with zero expense ratio and no minimum investment requirements. It provides broad U.S. equity market exposure without the typical management fees found in similar index funds, making it highly accessible for new investors.

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Schwab S&P 500 Index Fund

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Tracks the S&P 500 index with an ultra-low expense ratio of 0.02%. This fund is ideal for investors who want to mirror the performance of the 500 largest U.S. companies with minimal costs and high liquidity.

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iShares Core S&P Total U.S. Stock Market ETF

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An ETF that tracks the CRSP U.S. Total Market Index, providing access to the entire U.S. equity market. It features a low expense ratio of 0.03% and is traded on major exchanges, offering flexibility and diversification.

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Vanguard Total International Stock Index Fund Admiral Shares

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Provides diversification beyond the U.S. market by investing in developed and emerging markets outside the U.S. With an expense ratio of 0.11%, it is an excellent complement to domestic stock holdings for global exposure.

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Fidelity ZERO International Index Fund

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Offers international market exposure with a zero expense ratio, mirroring the MSCI KLD 400 Social Index. It is suitable for beginners wanting global diversification without paying management fees, though it has no minimum investment requirement.

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Schwab U.S. Small-Cap ETF

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Tracks the Dow Jones U.S. Small-Cap Total Stock Market Index, offering exposure to smaller U.S. companies. With an expense ratio of 0.04%, it allows investors to capture potential growth from smaller firms at a low cost.

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iShares Core MSCI EAFE IMI Index ETF

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Tracks developed international markets excluding the U.S. and Canada, including emerging markets. This ETF offers broad international diversification with a low expense ratio, helping to balance a portfolio heavily weighted toward U.S. stocks.

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Vanguard Dividend Growth Fund

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Focuses on companies with a record of increasing dividends, offering a balance of growth and income. While not a pure index fund, it is actively managed with a low fee structure, appealing to beginners seeking stability and consistent payouts.

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SPDR Portfolio S&P 500 ETF

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Tracks the S&P 500 index with an extremely low expense ratio of 0.03%. It provides a cost-effective way to invest in large-cap U.S. stocks, offering high liquidity and transparency for beginner investors.

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iShares Core S&P Mid-Cap ETF

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Tracks the S&P Mid-Cap 400 Index, providing exposure to mid-sized U.S. companies. With an expense ratio of 0.05%, it offers a middle ground between large-cap stability and small-cap growth potential at a low cost.

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Vanguard Total Bond Market Index Fund Admiral Shares

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Provides broad exposure to the U.S. investment-grade bond market with an expense ratio of 0.05%. It is essential for beginners wanting to add stability and income to their portfolio, balancing equity risk with fixed-income returns.

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Schwab Total Bond Market Index Fund

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Tracks a broad index of U.S. investment-grade bonds, offering low-cost exposure to the fixed-income market. With an expense ratio of 0.03%, it helps diversify risk and generate income for new investors.

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iShares Core U.S. Aggregate Bond ETF

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Tracks the Bloomberg U.S. Aggregate Float Adjusted Index, covering a wide range of U.S. investment-grade bonds. It has an expense ratio of 0.03%, making it a cornerstone holding for conservative or balanced portfolios.

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Fidelity Total Market Index Fund

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Invests in the full spectrum of the U.S. stock market, including large, mid, and small-cap stocks. With an expense ratio of 0.015%, it offers nearly the same diversification as the VTI ETF but as a mutual fund with no minimum investment for direct purchases.

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Vanguard FTSE Emerging Markets ETF

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Provides exposure to emerging market stocks across Asia, Latin America, and other regions. With an expense ratio of 0.14%, it offers broad international diversification for investors seeking growth potential in developing economies.

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iShares MSCI KLD 400 Social ETF

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Tracks the MSCI KLD 400 Social Index, focusing on companies with high environmental, social, and governance scores. It offers ESG-focused diversification with a reasonable expense ratio, appealing to socially conscious beginner investors.

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Schwab U.S. Large-Cap ETF

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Tracks the Dow Jones U.S. Large-Cap Total Stock Market Index, offering exposure to large U.S. companies. With an expense ratio of 0.03%, it provides a low-cost entry into the largest segment of the U.S. stock market.

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Vanguard S&P 500 ETF

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One of the most popular ETFs, tracking the S&P 500 index with an expense ratio of 0.03%. It offers high liquidity and broad exposure to large-cap U.S. stocks, making it a staple for beginner portfolios due to its simplicity and reliability.

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iShares Russell 2000 ETF

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Tracks the Russell 2000 Index, focusing on small-cap U.S. companies. With an expense ratio of 0.10%, it offers exposure to smaller firms with higher growth potential, serving as a diversification tool within a broader index strategy.