How an All-in-One ETF Solution Can Help You Navigate Market Volatility

Investing can feel overwhelming, especially in times of uncertainty (like right now). The challenge of building a well-diversified portfolio and constantly adjusting it to market conditions can make even the most seasoned investors uneasy. This is where all-in-one ETF solutions come in—a simple yet powerful way to invest with built-in diversification, automatic rebalancing, and cost efficiency.

What Are All-in-One ETFs?

All-in-one ETFs are designed to combine multiple asset classes into a single investment, making diversification easier for investors. Instead of picking and managing individual stocks, bonds, or other assets, these ETFs automatically distribute your investment across different regions, market sectors, and asset types.

Fidelity’s All-in-One ETF Suite includes four options tailored to different risk levels:

• Conservative ETF  – Focuses on stability with a higher percentage in fixed-income investments.

• Balanced ETF  – A mix of equities and bonds, ideal for moderate growth with reduced risk.

• Growth ETF  – A higher equity allocation for long-term investors seeking stronger returns.

• Equity ETF  – A pure equity focus for those willing to take on higher risk in pursuit of higher returns.

Why All-in-One ETFs Make Sense for Investors

1. Instant Diversification Across Asset Classes

Markets fluctuate, and different asset classes react differently to economic changes. All-in-one ETFs spread investments across multiple asset types, including:

• Stocks (various regions and sectors)

• Fixed income (government and corporate bonds)

• Alternative assets (less than 3% Bitcoin or Gold in select funds)

By holding a mix of investments, these ETFs reduce the risk of any single market event derailing your portfolio.

2. Built-In Risk Management & Automatic Rebalancing

Markets are constantly changing, and rebalancing a portfolio can be time-consuming and complicated. All-in-one ETFs automatically rebalance your holdings to maintain the intended mix of stocks, bonds, and other assets. This ensures you stay aligned with your risk tolerance without having to adjust your portfolio manually.

3. Protection Against Market Volatility

When markets experience downturns, a well-diversified investment approach can soften the impact. All-in-one ETFs incorporate various investment styles, such as low-volatility, high-quality, and value investing factors, which historically perform well in different market conditions. This helps smooth out returns over time, reducing the impact of short-term market fluctuations.

4. Cost Efficiency

All-in-one ETFs provide a cost-effective way to invest in a diversified portfolio. With management expense ratios (MERs) between 0.39% and 0.43%, these ETFs offer lower fees than many actively managed mutual funds. That means more of your money stays invested and working for you.

5. A Proven Track Record of Performance

Fidelity’s All-in-One ETFs have demonstrated strong performance compared to their peers. In fact:

• The Balanced (FBAL) and Growth (FGRO) ETFs have outperformed 100% of their peer group since inception.

• The Conservative (FCNS) and Equity (FEQT) ETFs have consistently ranked in the top quartile of their respective categories.

This track record suggests that all-in-one ETFs can be a reliable choice for investors seeking long-term growth and stability.

Is an All-in-One ETF Right for You?

If you’re looking for a hassle-free, diversified, and cost-effective investment solution, an all-in-one ETF could be a great fit. Whether you’re a conservative investor seeking steady returns or a growth-oriented investor looking for long-term appreciation, there’s an option designed for your financial goals.

Let’s Review Your Portfolio

If you’d like to explore how an all-in-one ETF solution could fit into your investment strategy, we offer a free portfolio analysis and financial planning session - one of the best value-added services in the industry.

Reach out to kevin@primenetfinancial.com if you'd like to chat further.

Commissions, trailing commissions, management fees, brokerage fees and expenses may be associated with investments in mutual funds and ETFs. Please read the mutual fund’s or ETF’s prospectus, which contains detailed investment information, before investing. The indicated rates of return are historical annual compounded total returns for the period indicated including changes in unit value and reinvestment of distributions. Mutual funds and ETFs are not guaranteed. Their values change frequently, and investors may experience a gain or a loss. Past performance may not be repeated.

The statements contained herein are based on information believed to be reliable and are provided for information purposes only. Where such information is based in whole or in part on information provided by third parties, we cannot guarantee that it is accurate, complete or current at all times. It does not provide investment, tax or legal advice, and is not an offer or solicitation to buy. Graphs and charts are used for illustrative purposes only and do not reflect future values or returns on investment of any fund or portfolio. Particular investment strategies should be evaluated according to an investor’s investment objectives and tolerance for risk. Fidelity Investments Canada ULC and its affiliates and related entities are not liable for any errors or omissions in the information or for any loss or damage suffered.