Fidelity ClearPath® Portfolios


Simple. Diverse. Designed for you.

Whether retirement is just around the corner or still down the road,
we can help you achieve a successful retirement outcome.

Learn more about how a target date strategy works.

Fidelity's glide path

ClearPath Portfolios are conveniently available in five-year increments up to 2065, in either mutual fund or institutional portfolios. Fidelity’s glide path considers a plan member’s whole life and balances return needs with appropriate risk management through both the savings and retirement periods. Asset allocation is adjusted over time to become more conservation as members approach their target date.


Asset class composition of the ClearPath portfolio’s glidepath changes based on an investor’s age and appropriate risk management, and how the percentage invested in fixed income, equities and Short-Term Bonds/Money Market changes over time. A young investor in their 20’s would have 92% invested in equities and 8% in fixed income whereas someone in retirement in their 80’s would have ClearPath income with strategic asset allocation into three broad buckets of 21% in Equities, 52% in Fixed Income and 27% in Short-Term Bonds/Money Market. The target asset mix of each ClearPath Portfolio based on members' working and retirement years from the age of 20 to 100. From the ages of 20 to just over 40, the percentage of fixed income (8%) and equities (92%), remains the same. There is an increase in the percentage allocated to fixed income until the age of 60 when Short-Term Bonds/Money Market is introduced into the portfolio at 1% while allocation in fixed income is 43% and in equities is 56%. This allocation to fixed income and short-term bonds continue to increase past the target retirement age (65-67 years old). At 85, protection of capital becomes the focus and allocation remains the same from that point on with 21% in Equities, 52% in Fixed Income and 27% in Short-Term Bonds/Money Market. Asset class composition of the ClearPath portfolio’s glidepath changes based on an investor’s age and appropriate risk management, and how the percentage invested in fixed income, equities and Short-Term Bonds/Money Market changes over time. A young investor in their 20’s would have 92% invested in equities and 8% in fixed income whereas someone in retirement in their 80’s would have ClearPath income with strategic asset allocation into three broad buckets of 21% in Equities, 52% in Fixed Income and 27% in Short-Term Bonds/Money Market. The target asset mix of each ClearPath Portfolio based on members' working and retirement years from the age of 20 to 100. From the ages of 20 to just over 40, the percentage of fixed income (8%) and equities (92%), remains the same. There is an increase in the percentage allocated to fixed income until the age of 60 when Short-Term Bonds/Money Market is introduced into the portfolio at 1% while allocation in fixed income is 43% and in equities is 56%. This allocation to fixed income and short-term bonds continue to increase past the target retirement age (65-67 years old). At 85, protection of capital becomes the focus and allocation remains the same from that point on with 21% in Equities, 52% in Fixed Income and 27% in Short-Term Bonds/Money Market.

Graph for illustrative purposes only. Age examples shown are for illustrative purposes only and do not reflect the full line of strategies. Allocation percentages may not add up to 100% due to rounding and/or cash balances. Target allocations for the Fidelity ClearPath Institutional Portfolios will vary from this approximate illustration.

Fidelity ClearPath Portfolios

Fidelity ClearPath Portfolios

Learn more about how ClearPath Portfolios can benefit your retirement plan.

A Lifetime Investment Approach

A Lifetime Investment Approach

The backbone of our target date portfolios is our glide path.


Meet the Fidelity target date team

Our portfolio management team works every day to provide the best possible outcomes for investors. Hear from our ClearPath portfolio managers Andrew Dierdorf and Brett Sumsion as they discuss their investment approach.

A trusted retirement leader

 

350+

Our target date portfolio managers are passionate about helping you maintain your standard of living in retirement. They are backed by a world-class research and investment management organization with the skills of over 350 research professionals located around the globe.*

 

75+

 

Fidelity brings over 75 years of experience helping investors achieve their goals.

 

No matter where you are in your savings journey, you have many compelling reasons to invest in your employer group plan. Among the variety of investment choices your plan sponsor offers, target date strategies can provide you with simplicity, diversification and ongoing professional management – all in a single investment solution.

Visit your employer group plan's website to learn more about your investment options.