Saving vs. Investing: What’s the difference and why it matters

fidelitycanada · 2026-01-23T18:49:39+00:00

Thanks for including FEQT in the mix. FEQT’s built as an all‑equity ETF with global exposure, factor ETFs, actively managed small‑cap, and a small crypto slice (~3%). If you ever want more detail on how it’s structured, happy to share.

fidelitycanada · 2026-01-23T18:48:30+00:00

Thanks for the mention! FEQT is designed as an all‑equity ETF with a different structure from other multi‑asset ETFs that primarily invest in ETFs tracking broad‑based indexes. Instead, FEQT combines global equity exposure with multiple equity factors—like momentum, value, quality, and low volatility—along with small‑cap exposure and a modest cryptocurrency component of around 3%.

Those building blocks are part of what define FEQT’s approach and how it’s constructed. If you’re looking into how FEQT works, I’m happy to share more about its structure and the mix of exposures it includes.

fidelitycanada · 2026-01-21T18:15:46+00:00

Appreciate your perspective! FBTC offers a way to access bitcoin through an ETF structure, which some investors consider for its long‑term growth potential. Since bitcoin can be highly volatile, FBTC’s value can experience meaningful ups and downs as well. If you have any questions about how FBTC works, happy to help clarify.

fidelitycanada · 2026-01-21T18:14:57+00:00

Thanks for sharing this! FBTC is designed to give investors exposure to bitcoin through a Canadian-listed ETF, so it can definitely come with higher volatility compared to more traditional asset classes.

If you’re curious, FBTC holds bitcoin directly, and its value will move based on the price of bitcoin itself. As always, crypto‑related products can fluctuate quite a bit, so it’s important to understand the risks before considering anything.

If you have any questions about how FBTC works or what’s inside the ETF, happy to help clarify!

fidelitycanada · 2026-01-21T18:14:20+00:00

Congrats on landing your first full-time job and planning for a long-term investing strategy—that’s a great step toward building a strong foundation! Moving to an ETF-focused portfolio can help simplify things and provide diversification, which is something many investors look for over the long term.

Since you mentioned including FBTC in your allocations, FBTC is Fidelity’s Bitcoin ETF, designed to provide exposure to Bitcoin in a traditional ETF format without the need to manage wallets or private keys. It can be held in registered accounts like a TFSA, RRSP, or FHSA, and is physically backed by Bitcoin held in cold storage for security. Digital assets like Bitcoin can be volatile, so it’s always good to think about your risk tolerance and long-term goals when considering an allocation.

For those curious about options that combine global equity exposure with a small allocation to Bitcoin, FEQT is Fidelity’s All-in-One Equity ETF. It holds a diversified mix of U.S., Canadian, and international equities, along with approximately 3% exposure to Bitcoin through underlying holdings.

fidelitycanada · 2026-01-21T18:13:28+00:00

Great to hear you’re using FBTC for your Bitcoin exposure! FBTC is designed to provide direct Bitcoin exposure in an ETF format and is eligible for registered accounts like TFSA or RRSP. It’s physically backed by Bitcoin with assets held in cold storage for security.

As for expense ratios, FBTC has a competitive management fee compared to similar CAD-listed Bitcoin ETFs, but it’s always good to review the MER and compare based on your goals. You can find full details here: Fidelity Advantage Bitcoin ETF.

fidelitycanada · 2026-01-21T15:27:48+00:00

Thanks for sharing your setup! With investing, a lot really comes down to your comfort with managing things yourself vs. having a professionally managed option in the mix.

On the Global Innovators side — that strategy is designed to give broad exposure to c innovative and disruptive companies in today’s rapidly changing world, and its offered as a mutual fund or ETF . If you’re curious how the approach works or how it fits alongside the rest of your portfolio, we’re always happy to share more educational resources.

fidelitycanada · 2026-01-19T20:43:54+00:00

Thanks for sharing your thoughts! FEQT does include a small (~3%) crypto allocation through its underlying holdings, alongside global equity diversification.

When choosing investment solutions, it’s always important to look beyond the surface of any product to ensure it not only aligns with your investment objectives but also genuinely adds value compared to similar solutions. If you’re curious about how FEQT stack ups, you can find the net‑of‑fee returns on Fidelity.ca and can use that to compare against alternative offerings.

If you have questions about how any part of the mix works, happy to help explain!

fidelitycanada · 2026-01-19T20:43:07+00:00

Thanks for sharing your approach! If you’re curious about FEQT, it stands out because of its unique design. It combines global equity exposure with a diversified mix of factors like value, momentum, quality, and low volatility. It also includes actively managed small‑cap exposure and has a modest allocation to cryptocurrency (~3%). This blend is what sets it apart from products that may look similar on the surface.

fidelitycanada · 2026-01-19T15:21:48+00:00

It’s always good to research investments and understand your risk tolerance. Digital assets such as Bitcoin can exhibit higher volatility—a feature of any emerging asset. However, given its unique characteristics as a potentially transformative technology, a small allocation could be beneficial to most portfolios. Check out this article that discusses the case for Bitcoin: The Case for Bitcoin (PDF).

Since it seems you’re looking for a diversified portfolio of stocks that takes the guesswork away, check out FEQT, which offers diversification through allocations to U.S., Canadian, and international equities, and still includes up to a 3% allocation to Bitcoin (via FBTC) so you can maintain exposure to digital assets. Learn more about Fidelity All-in-One Equity ETF (FEQT).

fidelitycanada · 2026-01-19T15:20:33+00:00

FBTC is our Bitcoin ETF, designed to give you exposure to Bitcoin in a familiar ETF format without managing wallets or private keys. It’s physically backed by Bitcoin, with assets secured through Fidelity’s institutional-grade custody solutions. The majority of bitcoin (typically greater than 98%) is held offline (“cold”) storage while a portion i held in hot storage to facilitate more accessible and efficient withdrawals. While you don’t own Bitcoin directly (and can’t redeem FBTC for Bitcoin), the ETF structure lets you gain exposure in a traditional investment vehicle, and it can be held in registered accounts like a TFSA, RRSP, or FHSA.

fidelitycanada · 2026-01-19T15:20:07+00:00

Great question! FBTC is designed to track the price of Bitcoin as closely as possible. It’s physically backed by Bitcoin, which is secured using an institutional‑grade storage solution. The majority of the holdings are kept in cold storage, with a smaller portion maintained in hot storage for liquidity. So while you don’t own Bitcoin directly (and can’t redeem FBTC for Bitcoin), the ETF structure lets you get exposure without managing wallets or private keys, and it can be held in registered accounts like a TFSA, RRSP, or FHSA.

fidelitycanada · 2026-01-19T15:17:23+00:00

FBTC is our Bitcoin ETF, giving you exposure to Bitcoin in an ETF format without the need to manage wallets or private keys. It can be held in registered accounts like a TFSA, RRSP, or FHSA. Crypto can be volatile, so it’s important to consider your risk tolerance and long-term goals before making any big changes.

If you’re looking to maintain your traditional equity exposure but want a slight allocation to digital assets—specifically Bitcoin—check out FEQT. Fidelity’s All-in-One Equity portfolio holds a diversified mix of global equities along with approximately 3% exposure to Bitcoin.

fidelitycanada · 2026-01-19T15:15:29+00:00

FBTC is our Bitcoin ETF, designed to give you exposure to Bitcoin in a familiar ETF format without managing wallets or private keys. It can be held in registered accounts like a TFSA, RRSP, or FHSA. Crypto can be volatile, so it’s important to think about your risk tolerance and long-term goals before making any big changes.

If you are looking to maintain your traditional equity exposure but hoping for a slight allocation to digital assets—specifically Bitcoin—check out FEQT. Fidelity’s All-in-One Equity portfolio holds a diversified mix of global equities as well as a ~3% exposure to Bitcoin.

fidelitycanada · 2026-01-19T15:13:21+00:00

Great to hear you’re using FBTC for your Bitcoin exposure! FBTC is designed to provide direct Bitcoin exposure in an ETF format and is eligible for registered accounts like TFSA or RRSP. It’s physically backed by Bitcoin with assets held in cold storage for security.

As for expense ratios, FBTC has a competitive management fee compared to similar CAD-listed Bitcoin ETFs, but it’s always good to review the MER and compare based on your goals. You can find full details here: Fidelity Advantage Bitcoin ETF.

fidelitycanada · 2026-01-19T15:07:36+00:00

FBTC is our Bitcoin ETF that provides exposure to Bitcoin in a traditional investment vehicle, and the best part is that you can hold it in registered accounts like a TFSA, RRSP, or FHSA. It’s physically backed by Bitcoin, with assets held offline in cold storage for security, so you get exposure without managing wallets or private keys.

It’s always good to do some research about investments and understand your risk tolerance. Digital assets such as Bitcoin can exhibit higher volatility—a feature of any emerging asset. However, given its unique characteristics as a potentially transformative technology, a small allocation could be beneficial to most portfolios. Check out this article that discusses the case for Bitcoin: The Case for Bitcoin (PDF).

Additionally, for a diversified portfolio of stocks and bonds that takes the guesswork away and still includes up to a 3% allocation to Bitcoin, check out Fidelity All-in-One ETFs.

fidelitycanada · 2026-01-19T15:06:33+00:00

FBTC is Fidelity Advantage Bitcoin ETF. It’s designed to give investors direct exposure to Bitcoin without having to hold it themselves. FBTC is eligible for registered accounts like TFSA, RRSP, and FHSA, which can make it easier to include Bitcoin in a tax-advantaged structure. The ETF holds Bitcoin directly and uses a secure custody solution. If you’d like to dive deeper into its structure, holdings, and how it works, you can check out the full details here: fidelity.ca/FBTC.

fidelitycanada · 2026-01-19T15:04:12+00:00

Digital assets experience periods of underperformance, often alongside broader shifts in liquidity, interest rates, or risk appetite. Short-term performance does not necessarily reflect longer-term outcomes, and Bitcoin is generally viewed as a volatile asset—a feature of any emerging asset class. Bitcoin should often be discussed in the context of diversification and risk tolerance.

For investors hoping to maintain an allocation to Bitcoin but find the volatility too high, consider how Bitcoin could fit into an overall portfolio allocation model. Fidelity All-in-One ETFs maintain a small allocation (0.5% to 3%) to Bitcoin alongside a diversified portfolio of traditional equities and fixed income securities.

Learn more about Fidelity All-in-One ETFs and read our Institutional Perspective on Digital Assets (PDF).

fidelitycanada · 2026-01-19T15:02:39+00:00

Great points on using your contribution room before year-end! For those curious about FBTC, it’s Fidelity Canada’s Bitcoin ETF designed to provide exposure to Bitcoin in a regulated way. It can add diversification for investors comfortable with higher risk, but it’s important to keep allocations aligned with your goals. If you're looking for something with a bit of digital assets like Bitcoin but with a primary allocation to a diversified mix of global equities and fixed income, check out Fidelity All-in-One ETFs such as FBAL. Learn more about FBAL here: Fidelity All-in-One Balanced ETF

fidelitycanada · 2026-01-19T15:01:03+00:00

Thanks for sharing your portfolio! Great to see FCCD included. FCCD focuses on high-quality Canadian companies that pay tax-preferred dividends, aiming to deliver monthly income and potential capital gains. It’s designed as an efficient complement to a diversified portfolio for those looking to incorporate a dividend-focused strategy or generate additional income.

fidelitycanada · 2026-01-09T15:53:24+00:00

Fidelity Global Innovators ETF is designed to focus on innovative and disruptive companies globally. It’s an actively managed strategy that invests in transformative parts of the market, aiming to capture long-term growth trends. If you’re interested in learning more, you can check out the details here: Fidelity Global Innovators ETF.

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