The Upside+: Your all-in-one guide to investing

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Hello, and welcome to a special episode of The Upside+

 

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on YouTube. Thanks so much for joining us.

 

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I'm your host Emily Anonuevo and we are live streaming on YouTube right now,

 

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which means send us your questions and comments in the chat below and we'll do

 

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our best to get to all of them today.

 

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Now, here at Fidelity Canada we want to make investing easier for you.

 

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Over two million of you invest with us so today we'll share how our

 

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ETF lineup could boost your investment strategies, what top investing

 

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opportunities there are in 2026, and what major AI trends

 

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are making waves this year.

 

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Up first, we caught up with our sales team to talk ETFs and our All-in-Ones.

 

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Okay, folks, get ready to diversify your ETF knowledge in a

 

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segment I like to call our ETF Minute Rundown.

 

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I have some sales folks with me here to test their ETF basics 101.

 

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Let's see what they can do. Five questions, 12 seconds each.

 

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Let's go, start the timer.

 

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Define what an ETF is in simple terms.

 

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For sure. An ETF is an exchange traded fund.

 

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I like to think of it as a pooled group of securities which

 

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can mean stocks, it can mean bonds, that are all grouped together sort of to

 

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create this one basket of securities.

 

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That is what you get in an ETF.

 

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Okay, fantastic.

 

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Now, how is buying an ETF different than buying an individual stock?

 

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Buying an ETF is different because you get exposure to a lot of different asset

 

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classes whereas in an individual stock that is one type of exposure

 

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so a lot more concentration risk there.

 

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Perfect. Now, before choosing an ETF what should an investor think of when it

 

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comes to their financial goals, timeline and type of risk?

 

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It's a great question. They should definitely think about how much equity they

 

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want, how much fixed income they want. Think of equity as your offence, fixed

 

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income as your defence, and you want to make sure you're diversified across

 

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regions, asset classes, and all the above there.

 

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I like it. Okay, let's turn to All-in-Ones.

 

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Who are our All-in-One ETFs designed for?

 

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That's the beauty of the All-in-One's, the suite has six different products

 

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ranging all the way from 100% fixed income all the way to 100% equity.

 

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Depending on what is your risk tolerance we can slot you in across the

 

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different asset allocation levels.

 

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It really fits for every investor, just depending on their risk type is which

 

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one is best for them.

 

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Excellent. Last question. Do All-in-One ETFs carry the same type of risk?

 

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They do not.

 

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We range from, like we said, from 100% fixed income that could be low risk to

 

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100% equity, medium risk, and they're very well diversified, like we mentioned,

 

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across different regions, categories, et cetera.

 

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You can rest assured that you are protected on the downside very well with the

 

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All-in-Ones.

 

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Amazing. Okay guys, A for effort.

 

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Great job. High fives all around.

 

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Thank you so much.

 

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Such a fun time chatting with the sales team there.

 

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They gave us the basic 411 on our ETF lineup but let's take that

 

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a step further and expand on how exactly our All-in-Ones can work with

 

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your investments. Here's our director of ETFs.

 

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I'm here with Andrei Bruno, director of ETS at Fidelity Investments Canada.

 

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Andrei has over a decade of capital markets industry experience and is here to

 

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talk about market trends, ETFs and more.

 

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Welcome, Andrei.

 

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Great to be here.

 

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Now, Andrei, before we talk about what's happening in the markets in 2026 let's

 

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quickly look back at 2025.

 

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What were the biggest highlights that stood out to you?

 

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Certainly, 2025 was an exciting year.

 

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There was a lot going on. There were tariffs, geopolitical risk, a lot keeping

 

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folks in finance busy day in and day out.

 

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What was very interesting last year and where we saw a big change in trend from

 

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year-over-year, and even over a longer time period, was the shift away

 

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from US markets, US equity markets to be specific.

 

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It was the first year in a very long time we saw investors focusing outside

 

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of the US. That was reflected in a lot of the flows in the ETF space.

 

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In fact, it was the first year in a long while we saw more money flowing into

 

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international equities than in US equities.

 

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In fact, we  continue to see that trend starting into this year as well.

 

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That was probably the number one biggest surprise for me last year, just seeing

 

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that investor focus shift a little bit away from the US and into more

 

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international equity markets.

 

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Geopolitical risk, a shift, like you said,

 

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from US into international, are those the types of market movers and

 

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themes that are going to continue in 2026?

 

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Certainly from a return perspective international markets have been

 

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outperforming US markets. We saw that last year as well.

 

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We continue to see that into this year, into 2026, and

 

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the flows have also been similar.

 

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We continue to see folks ...

 

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talking about ETFs particularly, we continue to see the lion's share of equity

 

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flows flow into international equity markets.

 

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US markets are second and our Canadian markets are third there from a flows

 

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perspective. That is a trend that we're continuing to see.

 

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I think there's a couple of factors in play there.

 

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Obviously, a lot of people have been overweight US, particularly those

 

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growthy tech names. I think folks are starting to think about

 

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how can I diversify my portfolio?

 

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There's some risks on the US side, tariffs are coming up once again.

 

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There's recent decision by the Supreme Court, a lot of tariffs have struck down

 

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so there's a little bit more uncertainty around what's going to happen with

 

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these tariffs and global trade generally speaking.

 

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Again, I think investors are looking for other areas and other opportunities in

 

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the market and international markets is where they're taking a look right now.

 

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Absolutely. International markets, investors thinking about diversification.

 

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Now, ETFs can play a huge role in shaking up an investor's

 

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portfolio, helping it balance it out.

 

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In general, Andrei, how can ETFs fold into investor's portfolio?

 

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I think there's been so much innovation in the ETF market over the last decade.

 

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Originally it was a very concentrated market, concentrated in

 

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index type products, those passive products that track indices like the

 

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S&P 500, for example. There's been so much innovation and growth that we've

 

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seen, you know, ETFs like active ETFs come to market,

 

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smart beta ETFs come to market.

 

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Within those three categories as well it is spanning kind of every asset

 

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class across the sun, whether that's crypto, equities,

 

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fixed income, commodities, there's kind of an ETF that can

 

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perform kind of any function in a portfolio.

 

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Whether you're looking for a one-ticket solution, a set it and forget it,

 

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I want a particular asset allocation, I don't want to think about it, there's

 

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solutions for that.

 

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If you're thinking I do want to diversify my portfolio, perhaps I want to look

 

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at international markets, there's a plethora of ETFs that can

 

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serve that. There's ETFs that can serve that core portfolio

 

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function. There's ETFs that can help you express a certain view.

 

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There's ETFs that can help you risk manage in your portfolio.

 

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For example, you may say, well, my portfolio is looking a little bit growthy,

 

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maybe I want to add some value for some diversification, there's ETFs

 

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that can do that for you. All that to say is whatever you want to do

 

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within your portfolio there's ETFs out there that can help you achieve that.

 

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Andrei, our All-in-Ones have been really appealing, really successful to

 

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our investors. Talk a little bit about that.

 

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We have actually over 50 ETF products in our lineup so how can

 

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investors incorporate the All-in-Ones or other ETF products to sort

 

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of enhance and [indecipherable] their portfolios?

 

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The ETFs are a one-ticket solution or asset allocation solution.

 

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That's just a fancy way of saying it's a portfolio that holds stocks, bonds,

 

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and a little bit of crypto actually as well.

 

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Depending on your investment horizon, your risk profile,

 

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what you want to achieve in your portfolio, we've got a suite of solution that

 

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spreads that entire gamut of all the way fixed income for those folks looking

 

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to be a little bit more conservative all the way to an all-equity solution and

 

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kind of everything in between that that adds both equities, a little

 

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bit of cryptocurrency, and fixed income there as well.

 

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For folks who are looking for a single-ticket solution, more of

 

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a set it and forget it, we'll do all the rebalancing for you within the

 

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portfolio. Those serve as a great core positioning in your portfolio.

 

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Then you may want to add satellite positions.

 

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You may want to say I want a little more exposure to international, I want a

 

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little more exposure to US growth names and you can kind of bolt

 

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on yourself there.

 

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Again, it serves as a great kind of core positioning in the portfolio.

 

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We do a lot of the hard work under the hood for you.

 

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It's got a lot of building blocks under the hood for you whether, as I

 

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mentioned, either fixed income or equity, and again, all the rebalancing is

 

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done for you in one simple one-ticket solution for you.

 

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Andrei, always a pleasure to have you in the studio.

 

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Thank you so much for your insights into the market and, of course, our ETF

 

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product lineup. Thanks again for being here.

 

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Always great chatting with you, Emily.

 

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You just heard about the core elements of investing and what investment

 

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opportunities could be out there this year.

 

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Another topic that's shaping markets and sparking a lot of investor interest is

 

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AI. Joining us now to walk us through what AI could mean for investors is

 

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Vishal Chopra, an equity research associate who covers Canadian technology

 

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and health care here at Fidelity. Welcome Vishal.

 

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Thanks for having me.

 

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Our chat is still open, our live stream is still going, so send us your

 

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questions. Now, Vishal, there's no doubt that AI is profoundly

 

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shaping our global financial markets, how people invest,

 

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our day to day, but how exactly is AI transforming industries

 

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today and just how we work and live?

 

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I think let's use investing as an example because it's something that I'm

 

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incredibly familiar with.

 

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AI is a great search tool. Previously, you had limited ability to

 

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search. You either have to use Google or you have to use Control F on your

 

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computer to go through documents.

 

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Now with ChatGPT, Copilot, other tools,

 

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those LLMs can actually go through the filings for you, pick up pieces of

 

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information that you want them to pick up.

 

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I think also there is a coding impact which is if you want to do very basic

 

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data analysis but you didn't know how to code in the past the LLM tools are

 

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great at coding. If you wanted to ask a question such as how does weather

 

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impact a particular retailer's sales or a particular retailers

 

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earnings, that might have been a pretty difficult piece of analysis in the

 

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past but now it's becoming a much easier piece

 

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of an analysis.

 

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Absolutely, it really touches our day day and like you said, sort of the

 

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software side of things, the software programs.

 

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Besides that, Vishal, part of your job as a research associate,

 

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you're on the ground, you're going to conferences, you're part of meetings,

 

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what are you hearing and seeing from AI related companies

 

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and what opportunities are out there right now?

 

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I think on one side you have the revenue generation side.

 

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If you think about each token as sort of a unit of

 

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knowledge whoever is producing the tokens, primarily hyperscalers,

 

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are generating revenue today by renting out GPUs.

 

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On the other side you are seeing efficiencies whether or not that's on the

 

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software side within R&D because people are able to

 

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produce code more frequently, or even in anyone's

 

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day to day roles a lot of the difficult parts of the work that maybe

 

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aren't the most valuable but just take a lot of time

 

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are made a lot easier by LLMs.

 

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If you think about it an LLM

 

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can create maybe a basic financial model for you today but

 

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a lot of the work of a research analyst is trying to figure out what a

 

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company's going to report in the future.

 

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That isn't necessarily making it easier but the ability

 

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to build something that helps you forecast is made easier so you

 

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can be more productive as a research analyst today than you could five years

 

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ago, but it's not necessarily job replacing.

 

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Definitely increasing productivity and efficiency.

 

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A question coming in here, what are the biggest opportunities that

 

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you see are coming from the tech leaders or from companies using AI behind

 

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the scenes?

 

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I think you're going to see a lot more software produced over the next five

 

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years than software over the last five years.

 

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I think there's going to be a significant difference in architecture over

 

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the next five. Not only does software in

 

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general make people more productive but I think everyone has dealt with the

 

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frustration of why does this software not work in this particular

 

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way, I really want it to do this.

 

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Now the ability to sort of add on extends and maybe personalize

 

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the software to something that works for you versus something that doesn't work

 

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for you is something that definitely will be a trend

 

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for the next five years. I think the personalization of software is really

 

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exciting to see how that turns out and how that pans out.

 

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The software side of it, the LLM side of it, definitely a

 

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trend.

 

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Where else are you seeing real world AI adoption, Vishal?

 

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You're also seeing it in customer service and

 

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you're starting to see it broaden out into general knowledge work.

 

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The way that I would characterize it is for the last couple of years you've had

 

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a lot of great software tools, like Claude Code, that

 

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have really taken off but those have focused on the coding use case.

 

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Just recently you had Anthropic launch Claude Cowork which is meant for

 

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general knowledge use.

 

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I think beyond, call it, the typical customer service where you're messaging a

 

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chat bot I think over the next couple of years you'll see the labs focus

 

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more on knowledge work versus just purely on coding.

 

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As a result you should see interesting vertical use

 

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cases show up for all jobs. But we're still really early, still, call it,

 

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a month in from the Claude Cowork launch.

 

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Still early on in those stages. Another question coming in, can you give us one

 

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simple everyday example that we might recognize in terms of

 

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AI and investors?

 

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I think when it comes to, for example, improving productivity for

 

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investors think about comparing two

 

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companies, take Coke and Pepsi as a typical example.

 

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Historically, if you really wanted to understand sales growth

 

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you might have high level information about sales growth that you get from a

 

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database. Right now you can go into ChatGPT and you can say, go into

 

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the filings for Coke and Pepsi and figure out whether or not volume growth

 

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differs or figure out whether or not pricing growth differs.

 

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I think that's something that is a little bit unique because historically if

 

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you think about having to do the work as an analyst or even as a layperson

 

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you would have to open up each filing and go through it but now it's

 

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willing to do the tedious work by just you asking a very simple question and

 

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following some very simple steps.

 

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Now, a lot of investors watching on the line and they see this huge AI bubble

 

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growing. A lot of headlines there in terms of investing in

 

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AI but what should investors be aware of when it comes to

 

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possibly the risks of AI and what should they be keeping top of mind when it

 

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comes to artificial intelligence?

 

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I think the risk of AI I would split into three buckets.

 

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If you're investing in the hardware companies today, they're generating the

 

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most revenue, you really need to make sure that there's a return on the

 

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investment. While revenue is being generated today I think hyperscalers

 

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in general are going to spend around $650 billion this year

 

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as per their disclosures.

 

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That's about 2% of US GDP so you need to see a meaningful amount of revenue

 

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generated as a result of these investments.

 

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I think if you're looking beyond that and you're looking at AI software

 

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I think what you need to look at is two things.

 

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One, are the software companies AI washing?

 

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Are they releasing AI feature that's not actually AI?

 

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Number two, some software companies today are releasing these new AI products

 

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but they're either not monetizing them or they are monetizing them

 

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but they are selling a dollar for 50 cents so the gross margins on that revenue

 

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are really low. I would say that's really the two risks that

 

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I would pay attention to. On one side, how do we get a

 

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significant amount of revenue being generated, and on the software side, make

 

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sure that software companies are able to actually monetize these AI features

 

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and aren't just pricing at negative gross margins to drive growth.

 

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Now, Vishal, as we continue to roll along here in 2026

 

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what do you think are going to be the biggest AI trends making waves this year?

 

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That is a really good question.

 

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I think beyond personalized software I think what you're going to see

 

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is you're going to see a change in how search works.

 

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Right now you've seen, call it, the typical chatbot.

 

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You're either using a chatbot or you're using Google,

 

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for example, to search. I think there's a lot more data that's out there that

 

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isn't necessarily LLM accessible.

 

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That will need to change.

 

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You're seeing some interesting startups out in San Francisco start to figure

 

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out out of all the web how do we make sure that the data is

 

[00:17:12.464]

easily accessible to LLMs for search.

 

[00:17:14.800]

I think beyond that what you should really look

 

[00:17:18.871]

at is what are the most difficult parts of

 

[00:17:22.808]

the job that

 

[00:17:27.012]

are time consuming but aren't necessarily  something that

 

[00:17:31.583]

takes a lot of brain power, for example. I think you're going to see the trend

 

[00:17:35.654]

towards people systematically tackling those parts

 

[00:17:39.858]

of the job, call it, block by block until those parts

 

[00:17:43.996]

are automated as well.

 

[00:17:45.898]

Vishal, thank you so much for coming into the studio, sharing your insights,

 

[00:17:49.468]

really appreciate it.

 

[00:17:50.702]

Thanks for having me again.

 

[00:17:52.671]

Now, before we let you go our first ETF pop-up of the year is just around

 

[00:17:56.775]

the corner. Here's a sneak peek at what you can expect to see and hear.

 

[00:18:06.685]

Fidelity has an ETF for everyone.

 

[00:18:08.921]

We're trying to create a fun and engaging space where you can

 

[00:18:12.925]

collect some free stuff but also learn about our products.

 

[00:18:16.295]

We've had so many different types of people walk into the space.

 

[00:18:19.164]

We're seeing families, we're seeing Gen Zs, we're seen parents and even

 

[00:18:22.234]

grandparents. It has been such a fun event.

 

[00:18:24.269]

We have people from all over Toronto coming in and asking us what is

 

[00:18:28.307]

happening here, why is investing so much fun.

 

[00:18:30.742]

We have people saying banks aren't doing this, our competitors aren't doing

 

[00:18:34.413]

this, we need more of this for young people.

 

[00:18:53.499]

We're here in the ETF lounge just chilling, just chilling.

 

[00:18:56.335]

What do you think about this whole event? What do you think about Fidelity just

 

[00:18:59.705]

making investing cool?

 

[00:19:01.640]

I think this is the perfect way to talk to Gen Zs.

 

[00:19:04.743]

Even I learned so much about ETFs today that I probably would have never known

 

[00:19:08.413]

if I didn't come in here. Plus, cool hat.

 

[00:19:11.250]

Investly is a new investing app

 

[00:19:15.187]

we just launched last year so we're here just having conversations with

 

[00:19:18.123]

investors. We designed the app for first time investors so it's really if you

 

[00:19:21.994]

don't know where to start, you have no idea what an ETF is, you don't what

 

[00:19:25.264]

investing is, that's who Investly's for.

 

[00:19:28.033]

If you can describe investing in three simple words what would it be?

 

[00:19:32.004]

Empowering, inspiring and honestly, simple.

 

[00:19:34.273]

We have so many great products out there.

 

[00:19:36.308]

We want to let you know that Fidelity Investments is your ETF BFF.

 

[00:19:39.845]

That's kind of the whole idea around it.

 

[00:19:41.547]

We want to make sure that our ETFs feel approachable, accessible,

 

[00:19:45.751]

and that there's no real intimidation when it comes to getting started to

 

[00:19:48.587]

investing, especially getting started investing in ETFs.

 

[00:19:50.622]

So proud of the team that put it together.

 

[00:19:53.158]

It really is our younger employees that organized this event from start to

 

[00:19:56.195]

finish and I think it's fantastic.

 

[00:19:58.630]

This event is just years in the making, really, and we're all

 

[00:20:02.568]

so proud of how it's come together.

 

[00:20:08.740]

Remember, ETFs, your BFF.

 

[00:20:10.943]

We want to make investing simple and approachable.

 

[00:20:13.745]

Find out more at fidelity.ca and see you at the next pop-up.

 

[00:20:22.154]

Our next ETF pop-up will be in beautiful Vancouver, British Columbia,

 

[00:20:26.992]

a two-day extravaganza starting Saturday, March 28th to Sunday, March 29th

 

[00:20:31.630]

at the Slate in downtown Vancouver.

 

[00:20:33.699]

It will just be one of many ETF pop-ups planned for this year across the

 

[00:20:37.803]

country. More details to come on our social channels.

 

[00:20:40.405]

Hope to see you there, and thanks for joining us on The Upside+.

 

[00:20:43.242]

Until next time, I'm Emily Anonuevo.

 

[00:21:03.762]

Thanks for listening to, or watching,

Fidelity Canada's The Upside podcast.

 

[00:21:08.066]

Subscribe on your podcast platform

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[00:21:11.837]

If you like what you're hearing,

please leave a review or a five star rating.

 

[00:21:15.707]

Fidelity Mutual Funds

and ETFs are available by working

 

[00:21:18.543]

with a financial advisor

or through an online brokerage account.

 

[00:21:21.947]

Visit fidelity.ca/howtobuy

for more information.

 

[00:21:25.484]

While on fidelity.ca, you can also find

more information on future live webcasts,

 

[00:21:29.855]

and don't forget to follow Fidelity Canada

on LinkedIn, YouTube, Instagram or X.

 

[00:21:34.726]

We'll wrap things up today

with a quick disclaimer.

 

[00:21:37.129]

The views and opinions

expressed on this podcast

 

[00:21:39.464]

are those of the participants,

 

[00:21:40.932]

and do not necessarily reflect

those of Fidelity Investments Canada ULC

 

[00:21:44.836]

or its affiliates.

 

[00:21:46.038]

This podcast is for informational

purposes only

 

[00:21:48.540]

and should not be construed as investment,

tax or legal advice.

 

[00:21:51.977]

It is not an offer to sell or buy,

or an endorsement, recommendation

 

[00:21:55.213]

or sponsorship of any entity or securities

cited.

 

[00:21:58.317]

Read a funds prospectus before investing.

 

[00:22:00.285]

Funds are not guaranteed.

 

[00:22:01.987]

Their values change frequently

and past performance may not be repeated.

 

[00:22:05.457]

Fees, expenses and commissions

are all associated with fund investments.

 

[00:22:09.695]

Thanks for tuning

in. We'll see you next time.