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Fidelity ClearPath® Portfolios

Fidelity ClearPath® Portfolios are designed to help Canadian plan members achieve income replacement in retirement so that they can maintain their desired lifestyle.

Our approach is powered by glide path design and a balanced approach to risk.
 

20 years of innovation

A pioneer of target date strategies, launching our first solution in 1996.  One of the largest asset managers, with over $500 billion in target date assets in North America.*  A market leader committed to ongoing innovation to improve retirement outcomes for plan members.

1 As at December 31, 2020.

A retirement solution designed for Canadians

Fidelity ClearPath Portfolios are designed for Canadian investors. Shaped by key drivers of long-term outcomes, our unique glide path reflects actual behaviours of Canadian plan members.

Glide path design is informed by research in three critical areas:

Capital market insights

Long-term historical and forward-looking perspective on expected return, risk and correlations over a 20-year period.

Investor behaviour

Working with Canadian recordkeepers, as well as Statistics Canada, we analyze the characteristics and investment behaviour of over one million Canadian retirement savers.

Balance of risk and reward

Detailed analysis and modelling to ensure that asset allocation and structure for the portfolios balance return needs with appropriate risk management.

Designed for income

With many Canadians depending on defined contribution plans as their primary source of retirement income, plan sponsors can design their plans to target specific income replacement goals, helping members maintain their standard of living in retirement.

It is important to recognize that savings alone may not provide an adequate level of income replacement throughout a retirement that could last 25–30 years.

Working years: Savings - Contributions accumulate throughout an employee’s career.

Retirement years: Savings Alone - Savings alone will provide some years of retirement income.

Retirement years: Investment Returns - Additional income throughout retirement is generated by investment returns. Working years: Savings - Contributions accumulate throughout an employee’s career.

Retirement years: Savings Alone - Savings alone will provide some years of retirement income.

Retirement years: Investment Returns - Additional income throughout retirement is generated by investment returns.


Designed to achieve better outcomes

Fidelity ClearPath Portfolios are designed to help Canadian investors solve the challenge of investing through retirement.
 

Reduce the risk of outliving savings

We believe the greatest risk for an investor saving for retirement is experiencing a shortfall in retirement income.

Our glide path is designed to provide members with active asset allocation, with the goal of delivering additional income to last through retirement.
 

Active where it counts

The investment process for our target date strategies is designed to be flexible in order to navigate changes in capital markets and to adapt to meet the evolving needs of plan members.

Fidelity offers two differentiated target date solutions, providing plan sponsors with choice in selecting a solution that is right for their plan members:

  • A blended institutional pool solution, which uses a combination of actively managed institutional pools and index strategies as the building blocks
  • A fully active mutual fund solution

Meet the investment team

Contact the team

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