emoji_events Best Mutual Fund

Top-rated mutual fund ranked by our AI-powered scoring system.

10
Products Ranked
8.7
Avg Score
5
Rated Excellent
9.6
Top Score
Summary: The best mutual fund in 2026 is Fidelity ZERO Large Cap Index Fund (FZROX) with a score of 9.6/10, followed by Fidelity Roth 401(k) (9.2) and Fidelity ZERO Total Market Index Fund (FZROX) (9.2). This ranking is based on Lunoo's AI-powered scoring system which evaluates 10 mutual fund across quality, features, user satisfaction, and value. Rankings are updated daily.

table_chart Top 5 at a Glance

Rank Name Score Price Best For
#1 Fidelity ZERO Large Cap Index Fund (FZROX) 9.6 Free FZROX is ideal for long-term investors seeking a low-cost, d... Visit
#2 Fidelity Roth 401(k) 9.2 Free Employees who anticipate being in a higher tax bracket durin... Visit
#3 Fidelity ZERO Total Market Index Fund (FZROX) 9.2 Free Cost-conscious beginner to intermediate investors seeking ma... Visit
#4 Fidelity Freedom® 2045 Blend Fund (FFLEX) 9.2 From 0.45-0.75% annual expense ratio Visit
#5 Fidelity Total Market Index Fund (FSKAX) 9.0 Free FSKAX is ideal for long-term investors seeking broad US equi... Visit

leaderboard Full Mutual Fund Rankings

Best 1 Fidelity ZERO Large Cap Index Fund (FZROX)
Fidelity ZERO Large Cap Index Fund (FZROX)
Free Plan Available

Fidelity ZERO Large Cap Index Fund offers a unique zero expense ratio for investors, eliminating annual management fees entirely. It tracks the CRSP US Large Cap Index, providing exposure to over 100...

9.6 Brilliant
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2 Fidelity Roth 401(k)
Fidelity Roth 401(k)
Free Plan Available

A Fidelity Roth 401(k) offers the significant advantage of tax-free withdrawals in retirement. Contributions are made with after-tax dollars, but qualified distributions are entirely tax-free. Many em...

9.2 Excellent
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3 Fidelity ZERO Total Market Index Fund (FZROX)
Fidelity ZERO Total Market Index Fund (FZROX)
Free Plan Available

FZROX stands out with its truly zero expense ratio, meaning investors pay nothing in annual fees. It tracks the Fidelity U.S. Total Market Index, providing broad exposure to the U.S. stock market. Thi...

9.2 Excellent
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4 Fidelity Freedom® 2045 Blend Fund (FFLEX)
Fidelity Freedom® 2045 Blend Fund (FFLEX)
From 0.45-0.75% annual expense ratio

Fidelity Freedom 2045 Blend Fund is a target-date fund designed for those planning to retire around 2045. Unlike some passive funds, FFLEX incorporates active management strategies to potentially outp...

9.2 Excellent
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5 Fidelity Total Market Index Fund (FSKAX)
Fidelity Total Market Index Fund (FSKAX)
Free Plan Available

The Fidelity Total Market Index Fund is a mutual fund that tracks the CRSP US Total Market Index, covering large, mid, and small-cap stocks. It offers comprehensive exposure to the entire US equity ma...

9.0 Excellent
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6 SPDR S&P Dividend ETF (SDY)
SPDR S&P Dividend ETF (SDY)

SDY focuses on S&P 500 companies with a history of consistently paying dividends. It aims to provide investors with a high dividend yield and potential for capital appreciation. The funds selection cr...

8.6 Very Good
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7 Fidelity Strategic Dividend Fund (FSDFX)
Fidelity Strategic Dividend Fund (FSDFX)

FSDFX seeks to generate a high level of current income and long-term capital appreciation by investing in dividend-paying stocks. Fidelitys investment team actively manages the portfolio, selecting co...

8.3 Very Good
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8 WisdomTree U.S. High Dividend ETF (WTHI)
WisdomTree U.S. High Dividend ETF (WTHI)

WTHI focuses on U.S. companies with high dividend yields. The funds selection criteria prioritize companies with a history of consistent dividend payments and a strong financial position. It aims to p...

8.2 Very Good
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9 VanEck Semiconductor ETF (SMH)
VanEck Semiconductor ETF (SMH)

SMH focuses on semiconductor companies, a cyclical industry sensitive to economic conditions. Short-term traders can capitalize on fluctuations in demand and supply. The funds expense ratio is 0.45%....

7.7 Good
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10 First Trust High Dividend SureYield Fund (FYD)
First Trust High Dividend SureYield Fund (FYD)

FYD employs a covered call strategy to generate income from a portfolio of high-dividend-paying stocks. The fund sells call options on its holdings, which provides additional income. This strategy can...

7.6 Good
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help Frequently Asked Questions

What is the best Mutual Fund in 2026?
According to our AI-powered rankings, Fidelity ZERO Large Cap Index Fund (FZROX) is currently rated as the best Mutual Fund with a score of 9.6/10. Other top-rated options include Fidelity ZERO Large Cap Index Fund (FZROX), Fidelity Roth 401(k), Fidelity ZERO Total Market Index Fund (FZROX).
How are these Mutual Fund ranked?
Our rankings use an AI-powered scoring system that analyzes features, user reviews, expert opinions, market presence, and value for money. Each Mutual Fund receives an objective score from 0 to 10.
How often are the rankings updated?
Our rankings are updated continuously as new data becomes available. Scores are recalculated regularly to ensure you always see the most current and accurate ratings.
What are the top 5 Mutual Fund in 2026?
The top 5 Mutual Fund in 2026 are: Fidelity ZERO Large Cap Index Fund (FZROX), Fidelity Roth 401(k), Fidelity ZERO Total Market Index Fund (FZROX), Fidelity Freedom® 2045 Blend Fund (FFLEX), Fidelity Total Market Index Fund (FSKAX). These are ranked by our AI-powered scoring system based on features, quality, and user satisfaction.
How many Mutual Fund are ranked on Lunoo?
Lunoo currently ranks 10 Mutual Fund, of which 5 have earned an Excellent rating (9.0+). New options are added and scored regularly.
Which Mutual Fund has the highest score?
Fidelity ZERO Large Cap Index Fund (FZROX) currently holds the highest score at 9.6/10 in our Mutual Fund rankings.
Is Fidelity ZERO Large Cap Index Fund (FZROX) worth it?
Fidelity ZERO Large Cap Index Fund (FZROX) scores 9.6/10, making it one of the highest-rated Mutual Fund available. Its strong rating reflects excellent performance across our evaluation criteria.
What should I look for when choosing a Mutual Fund?
Key factors include your specific use case, budget, features offered, ease of use, and long-term value. Our scoring system evaluates these factors objectively. Compare the top options above to find the best fit.
Are there any free Mutual Fund options?
Some Mutual Fund offer free plans or trials. Check each option's website for current pricing. Our rankings focus on overall quality regardless of price point.
What is the difference between top-rated Mutual Fund?
While Fidelity ZERO Large Cap Index Fund (FZROX) and Fidelity Roth 401(k) are both highly rated, they differ in features, pricing, and target audience. Use our comparison tool to see detailed side-by-side differences.
Can I compare Mutual Fund on Lunoo?
Yes! Lunoo offers a detailed comparison tool. Click the compare icon on any two items to see a side-by-side analysis of scores, features, pros, and cons.
How accurate are Lunoo's Mutual Fund rankings?
Our AI-powered scoring system is calibrated against established ground truth sources and continuously improved. We analyze features, expert reviews, user feedback, and market data to provide the most objective rankings possible.

science How We Rank

Every mutual fund is scored across 12 weighted criteria from hundreds of verified sources:

  • Features & Capabilities - Comprehensive analysis of what each option offers
  • User Reviews - Aggregated feedback from real users across platforms
  • Expert Opinions - Professional reviews and industry recognition
  • Value for Money - Cost-effectiveness relative to features
  • Reliability & Support - Track record and customer service quality

Rankings are updated continuously as new information becomes available.

Disclosure: Some links on this page may be affiliate links. If you make a purchase through these links, we may earn a small commission at no extra cost to you. This does not influence our rankings — all scores are determined by our independent AI-powered evaluation system.

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