Understanding the construction of Fidelity All-in-One ETFs

How Fidelity All-in-One ETFs handle the prep work for you

Building your financial portfolio can feel like trying to whip up a five-course meal from scratch, with zero prep and a recipe written in another language: too many ingredients, too many steps and all the cleanup. Fidelity’s All-in-One ETFs are like a meal kit for investing. Everything’s preselected, portioned and ready to go. No mess, less stress.

Why balance matters

Every good dish needs balance. It’s how the ingredients work together that matters. The same goes for your portfolio. Overloading on one investment could throw things off and crank up your risk. But the right mix of ingredients (or assets, like stocks, bonds or crypto, in this case) can create balance and more stability. You’ve heard “don’t put all your eggs in one basket.” This is that strategy, but with a side of asset allocation. Fidelity All-in-One ETFs are built to keep that balance in check. It's basically like having your meal kit created by a professional chef.

The key ingredients in your portfolio

Let’s break it down.

Stocks are your bold, exciting flavours. They’re the sriracha of your portfolio. They spice things up and work well when balanced, but if you add too much, you’ll need to make sure you can stomach the heat. The same goes for your portfolio. Stocks can make it more exciting, giving you a chance for growth, but if you’re all in on stocks, you have to have to have a tolerance for risk.

Bonds are your steady base. This is your pasta or rice; they’re not flashy, but they keep the dish grounded. Bonds can help smooth out the bumps when markets get spicy.

Together, they create a well-rounded plate. Your portfolio can do that, too. Finding a balance that works for your taste (i.e. your risk tolerance) is key. But balance doesn’t always mean holding stocks and bonds. Some portfolios are built entirely with stocks or entirely with bonds. In those cases, balance comes from diversification within that mix.

Adding global flavours to the mix

Sticking to only local investments is like cooking every meal with just salt and pepper. Fidelity All-in-One ETFs bring in a variety of investments from:

• Canadian markets
• U.S. markets
• International markets

This kind of global mix helps spread risk and keep your portfolio from relying too heavily on any single market, the same way a well-rounded dish doesn't depend on just one flavour.

Recipe versus chef: How Fidelity combines both

Investment strategies can be grouped into a few broad approaches, including rules-based and active.

Rules-based is like following a recipe. There’s a clear plan for what goes in and how it comes together.

Active investing is like a professional chef. They see all the items in the fridge and understand how to make magic with them.

Fidelity blends both. By blending rules-based and active, it’s like having a chef use a recipe, but tweaking it to make it even better. You get the structure and the skill.

Why this approach simplifies investing

With Fidelity All-in-One ETFs, you get a diversified portfolio, without having to play financial chef yourself. No endless research. No measuring out asset classes. No mess.

A complete investing experience

Think of it like this: Fidelity All-in-One ETFs are like an investing meal kit. Inside, you’ve got all the right ingredients, perfectly portioned. You bring your goals, Fidelity brings the expertise. Together you cook up a complete investing experience.