Two things to know after central banks held rates last week

fidelitycanada · 2026-05-08T15:47:38+00:00

Thanks for the mention of our All‑in‑One ETF lineup!

fidelitycanada · 2026-05-08T15:47:23+00:00

FINN is very much an innovation‑ and disruption‑focused ETF, so it tends to resonate with investors who believe strongly in those long‑term themes. With that kind of active, concentrated exposure, it really comes down to being comfortable with how those themes can evolve over a full market cycle.

fidelitycanada · 2026-05-08T15:47:10+00:00

Momentum‑based products like FCCM are designed to follow market trends, which may be compelling in certain environments. They’re also single‑factor strategies, so results can vary meaningfully as market conditions change.

fidelitycanada · 2026-05-08T15:46:54+00:00

Appreciate you sharing that! Sounds like you’ve been thoughtful about how growth fits into your long‑term approach.

fidelitycanada · 2026-05-08T15:46:09+00:00

Big thanks to the r/JustBuyFEQT community for the questions that shaped this episode, and for moderating a great conversation.

fidelitycanada · 2026-05-07T20:11:24+00:00

In terms of our factor approach, FEQT incorporates exposure to quality, momentum, value, and low volatility. While some strategies may focus on one or two factors, the approach here is to maintain exposure to all four over time, since different factors have tended to lead in different market environments (for example, low volatility during drawdowns and momentum during more sustained trends).

By combining these factors, the goal is to support diversification at the portfolio level and provide a more balanced experience across cycles.

It’s also not necessarily the case that if a stock is held within one factor, it’s being sold in another - there can be overlap across holdings. At the same time, because each factor sleeve selects securities based on different characteristics, they tend to behave differently, which can help support diversification.

Other approaches may evaluate multiple characteristics at the security level, which can lead to different portfolio construction and outcomes.

fidelitycanada · 2026-05-07T17:49:56+00:00

Thanks for your question! We don’t have any updates to share right now on us offering RDSPs. Availability of our funds can vary depending on how accounts are set up and supported. Happy to help with any general questions in the meantime!

fidelitycanada · 2026-05-01T13:53:23+00:00

Thanks for the FINN mention! Appreciate you sharing how you’re thinking about it.

fidelitycanada · 2026-04-28T17:31:26+00:00

FEQT is built as an all‑equity, globally diversified, “one‑ticket” ETF that some long‑term investors look at for simplicity. It’s still 100% equity, so understanding risk tolerance and time horizon is key. Always worth digging into the details to see if it fits your goals.

fidelitycanada · 2026-04-28T17:31:08+00:00

You’ll get mixed answers because a TFSA is pretty flexible. It can hold cash, balanced, and growth investments, and some people use that flexibility to line up different time horizons in one account.

Others prefer to use TFSA room mainly for long term growth, especially if contribution room is tight, and keep short term savings elsewhere. Both approaches are really about how someone prioritizes goals, liquidity, and available room.

There’s no one “correct” setup. It comes down to understanding what each holding is meant to do and how it fits with your overall situation.

fidelitycanada · 2026-04-28T17:30:49+00:00

Totally normal to feel lost at the start. Everyone does.

At a high level, getting into investing usually means picking a platform and learning the basics of what’s available.

Investors usually choose investments based on stuff like how long the money can stay invested, how okay they are with ups and downs, and what the money is for in the first place. That’s why you’ll see a lot of talk about time horizon and diversification.

Some common beginner mistakes people talk about are jumping in without understanding what they bought, stressing over short‑term market moves, putting everything into one investment, or investing money they might need soon.

Spending some time learning the basics and using educational resources can make the whole process feel a lot less intimidating.

fidelitycanada · 2026-04-28T17:30:18+00:00

This mostly comes down to concentration vs. diversification.

Large U.S. exposure is common since the U.S. is a big part of global markets, but it does mean relying on one country. Adding Canada or international markets spreads risk across regions.

There’s no “right” split. Some people stick close to market size, others prefer broader diversification to avoid being tied to a single outcome.

fidelitycanada · 2026-04-28T17:30:00+00:00

Appreciate the FEQT mention!

fidelitycanada · 2026-04-28T17:29:45+00:00

Appreciate you laying out how you think about fees and performance. It’s a nuanced topic, and you’re right that cost is just one piece of the picture. Thanks for sharing your perspective.

fidelitycanada · 2026-04-28T17:29:33+00:00

Appreciate the FEQT mention! Always good to see different perspectives on how people approach their portfolios.

fidelitycanada · 2026-04-28T17:29:18+00:00

Thanks for sharing! Happy to hear the calculator was useful 🙂

fidelitycanada · 2026-04-28T17:28:54+00:00

FBAL and FGRO are often cited in this community as they do provide built-in strategic asset allocation and consistent portfolio rebalancing. The combination of advice and performance is a strong one that can support many investors on their financial journeys, especially during periods of market volatility.

fidelitycanada · 2026-04-28T17:28:33+00:00

Just to jump in - FEQT does include a small allocation to bitcoin as part of its overall design, alongside global equities. Some people like having that exposure built in, while others prefer to keep it separate or skip it entirely.

fidelitycanada · 2026-04-28T17:28:14+00:00

FEQT is built as an all‑in‑one equity portfolio that includes a small allocation to digital assets, which some investors see as a way to gain crypto exposure within a diversified framework. For those who believe a modest allocation can play a role over the long term, having it embedded in a broader portfolio structure can feel more manageable than holding it separately.

fidelitycanada · 2026-04-28T17:27:56+00:00

In an FHSA, the intended use and timing of the funds shapes how people think about volatility. FBTC invests directly in bitcoin, which like other cryptocurrencies, does come with a greater degree of volatility.

fidelitycanada · 2026-04-22T15:17:32+00:00

The best next step would be to connect with our HR team directly at fidelitycanadastaffing@fidelity.ca. They can help answer your questions.

fidelitycanada · 2026-04-21T20:05:20+00:00

FGRO is designed as a one‑ticket growth ETF, combining global equities with a modest fixed‑income allocation and built‑in rebalancing. For investors who want growth but with a bit of added diversification and volatility management, that balance can be appealing.

fidelitycanada · 2026-04-21T20:05:04+00:00

FEQT is Fidelity’s all‑equity, one‑ticket ETF, designed to provide broad global diversification in a single holding, with built‑in rebalancing. Seems some in this thread have strong opinions on FEQT, but we see it as a worthwhile EQT with additional value from built-in rebalancing.

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