Fidelity ClearPath™ Retirement Portfolios

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Don't let the markets decide when you'll retire. Fidelity ClearPath™ Retirement Portfolios maximize growth opportunities early on, gradually becoming more conservative over time to protect capital and investment gains.

Fidelity ClearPath provides the benefits of asset allocation that automatically adjusts its asset mix based on your investment time horizon.

Proven investment success

Fidelity Investments helped pioneer lifecycle funds in the U.S., with more than 10 years of experience managing Fidelity Freedom Funds®. Fidelity Freedom Funds have had tremendous success since their initial launch in 1996. The asset allocation for ClearPath™ is based on years of proprietary research conducted by Fidelity's specialized team of experts. Portfolios similar to the ClearPath Portfolios have been available to defined contribution plan members in Canada since October 2004.

Broad diversification

Each Fidelity ClearPath Retirement Portfolio is composed of a number of carefully selected Fidelity mutual funds which have been chosen for their:
  • historically consistent performance
  • investment style
  • asset-class characteristics
  • sector characteristics
  • geographic characteristics
  • market cap characteristics
  • portfolio management characteristics
The key advantage: The favourable returns of some underlying funds can help offset the out-of-favour returns of other underlying funds. That improves the potential for Fidelity ClearPath Retirement Portfolios to provide consistent returns while minimizing risk over long periods of time.