FCIP: Fidelity All-in-One Conservative Income ETF | Holdings, risk & how it works

Everyone talks about chasing returns

But what about protecting them?

Not every investment is about swinging for the fences,

Sometimes, you have to protect and grow the money you've earned.

Whether your goal is retirement,

Income, or just a smoother ride through the markets,

Fidelity All-in-One Conservative Income ETF, or FCIP,

helps take some of the guesswork out of investing

FCIP launched in 2025

And can act like a complete portfolio,

only in a single ETF

for Canadians looking to skip the stress.

The foundation of the ETF is mostly bonds,

Keeping things more conservative.

But it's not just bonds on autopilot,

FCIP still includes stocks for growth potential

And even a small slice of crypto

Which is just enough to keep it interesting while staying grounded.

FCIP is built by combining a bunch of Fidelity ETFs

Each of those ETFs with its own job to do

They're each looking to own specific stocks and bonds

rather than buying up everything in the market.

So how does it actually work?

It starts with active management.

Some of the ETFs inside FCIP are actively managed,

Meaning, Fidelity portfolio managers are hand picking stocks and bonds.

Based on their research and outlook,

they meet with company leaders,

analyze balance sheets, and look for opportunities’ others might overlook

That adds up to hundreds of meetings every year,

all focused on finding the best mix of opportunities for each fund.

Then, to balance out the active side,

FCIP is also made up of ETFs that are focused on rules-based investing.

Rules-based filters are used to find stocks and bonds that show certain characteristics.

That can look like companies with traits like

low volatility, quality, momentum and value to name a few.

And then there’s crypto.

Lots of people are talking about it,  

But knowing how it fits into a portfolio,
That’s another thing.  

FCIP has it covered

With a half a percent slice of crypto.

It might not seem like a lot

But it’s just enough to add diversification,

without stealing the show.

Now, when it comes to investing your money

A lot of people wonder

What happens when markets get bumpy?

If stocks drop or crypto swings.  

That’s where built-in rebalancing comes in.

FCIP automatically adjusts your mix every year

Or sooner if things drift too far.

It keeps things on track without you having to step in.

You can hold FCIP pretty much anywhere.

Your TFSA, RRSP, or even a non-registered account.

The idea behind FCIP is long-term steady growth.

It’s aiming for a smoother ride, with some potential for growth.

Let’s recap

FCIP gives you bonds, stocks and bit of crypto.

Automatically rebalanced so you don’t have to stress about managing it

Packaged together in an affordable option.

If you like what you heard about FCIP and it sounds like a good fit for you,  

You should check out the fund page linked below for more info.  

Thanks for watching!