The Standard and Poors 500 Index, a U.S. market benchmark, is quoted daily, with institutional and personal investments mirroring its ebbs and flows. In his 2017 Annual Letter to Shareholders, Mr. Warren Buffet shared findings of a financial experiment he conducted between 2008 and 2017. In this experiment, Mr. Buffet quantified the value in passively investing in the Standard and Poors 500 Index compared to having an energetic style. Passively Investing in the S&P 500 delivered a 2.0% better-annualized return. Launched in 2018, the Fidelity ZERO Large Cap Index Fund (FNILX) speaks to Mr. Buffets’ advice of investing in a “virtually cost-free” index fund. In reality, the FNILX Index Fund is cost-free, i.e., no expense ratio, an index fund that looks almost like the Standard and Poors 500 Index.