Investment A
Earns 6.0% before fees
Charges a 0.10% fee
Net return after fees: 5.9%
For accredited investors only
This website is intended for use by Accredited investors (as such term is defined in the Securities Act (Ontario) or National Instrument 45-106 - Prospectus Exemptions, as applicable) resident in, or otherwise subject to the securities laws of, any province or territory of Canada, or pursuant to such other exemptions from the prospectus requirements under applicable securities legislation.
Examples of who qualifies as an accredited investor:
- an individual who, either alone or with a spouse, beneficially owns financial assets having an aggregate realizable value that, before taxes but net of any related liabilities, exceeds $1,000,000;
- an individual who beneficially owns financial assets having an aggregate realizable value that, before taxes but net of any related liabilities, exceeds $5,000,000;
- an individual whose net income before taxes exceeded $200,000 in each of the two most recent calendar years or whose net income before taxes combined with that of a spouse exceeded $300,000 in each of the two most recent calendar years and who, in either case, reasonably expects to exceed that net income level in the current calendar year;
- an individual who, either alone or with a spouse, has net assets of at least $5,000,000;
- a person (other than an individual or investment fund) that has net assets of at least $5,000,000 as shown on its most recently prepared financial statements provided that such person has not been created solely to purchase or hold the Units being purchased; and
- a person acting on behalf of a full managed account managed by that person, if that person is registered or authorized to carry on business as an adviser or the equivalent under the securities legislation of a province or territory of Canada or a foreign jurisdiction.
"Financial assets" generally means cash and securities and "related liabilities" means liabilities incurred or assumed for the purpose of financing the acquisition or ownership of financial assets, or liabilities that are secured by financial assets.
This website is not intended to constitute an offer of units of Fidelity Alternative Real Estate Trust (the "Fund"). The information contained herein is qualified in its entirety by reference to the Offering Memorandum ("OM") of the Fund. The material available on this website is published for informational purposes only. It does not constitute a solicitation of an offer to buy or an offer to sell securities, nor should the information be relied upon as investment advice. Units of the Fund are generally only available to Accredited Investors (as described above). The OM contains information about the investment objectives and terms and conditions of an investment in the Fund (including fees) and also contains tax information and risk disclosures that are important to any investment decision regarding the Fund.
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It takes performance to make a memory.
The value of investing isn’t what it costs today, it’s what memories it creates for tomorrow. Because life is remembered in moments, not fees.
Low fees don't make memories.
Performance does.
Performance does.
How do you evaluate investment performance?
Fees matter, but they’re not always the biggest cost. Over time, an investment that consistently underperforms can cost you more than what you save with low fees. You don’t accelerate your dreams by letting low fees lead the way.
This doesn’t mean higher fees are automatically justified. It means fees should be evaluated in the context of value delivered.
Investment B
Earns 7.0% before fees
Charges a 0.75% fee
Net return after fees: 6.25%
Hypothetical investments for illustrative purposes only.
The difference over 30 years: ~$58,000
What matters most is the return that continues growing after fees. Even a small difference in annual net returns can add up over time. Instead of asking, “What does this investment cost?” consider, “What am I getting for the cost of this investment?” Because low fees don’t make memories. Performance does.
You don’t retire on low fees. You retire on what you keep.
Fidelity’s Finance expert Jason Dear explores why focusing on fees alone can oversimplify investing decisions and why long-term outcomes depend on more than just price.
What’s the difference between active and passive investing?
Passive strategies aim to track market indexes. Active strategies leverage research and professional judgement to identify opportunities and manage risk. The goal isn’t to mirror an index but to navigate complexity with greater clarity and discipline to beat it.
Fidelity’s investment process is built around understanding businesses, not just markets.
The strength of Fidelity
At Fidelity, we’re committed to delivering long-term performance for our investors. We offer an innovative and comprehensive suite of investment solutions designed to help you accelerate your dreams.
Fidelity Global Innovators® ETF (FINN) and Fidelity U.S. Value ETF (FCUV) are two of many funds that have delivered long-term performance to investors, consistently beating benchmarks, peers and averages.
Fidelity Global Innovators® ETF
Fidelity U.S Value ETF
Standard performance (%) |
1 year |
3 year |
5 year |
Since common inception* |
Fidelity Global Innovators® ETF |
51.1 |
42.0 |
- |
43.0 |
Benchmark: NASDAQ Composite |
23.6 |
24.2 |
- |
25.9 |
Morningstar category average |
17.2 |
16.5 |
- |
16.1 |
Category peers beaten |
99% |
99% |
- |
99% |
Standard performance (%) |
1 year |
3 year |
5 year |
Since common inception** |
Fidelity U.S. Value ETF |
31.1 |
25.1 |
20.1 |
22.2 |
Benchmark: S&P 500 |
20.1 |
20.4 |
13.3 |
15.7 |
Morningstar category average |
16.4 |
17.7 |
10.7 |
13.4 |
Category peers beaten |
97% |
97% |
100% |
100% |
Source: Morningstar Direct and Fidelity Investments Canada ULC. Performance as at August 31, 2026. Performance figures for periods greater than one year have been annualized. Past performance is no guarantee of future results.
*The inception date for Fidelity Global Innovators ETF is 5/19/2023.
Fidelity Global Innovators ETF is classified in CIFSC’s Global Equity category. The number of funds in the category (Global Equity) for the standard periods of Fidelity Global Innovators ETF: 1-year – 1,825 funds; 3-year – 1,620 funds; Since Inception – 1,571 funds. For greater detail see www.morningstar.ca.
**The inception date for Fidelity U.S. Value ETF is 6/5/2020.
Fidelity U.S. Value ETF is classified in CIFSC’s US Equity category. The number of funds in the category (US Equity) for the standard periods of Fidelity U.S. Value ETF: 1-year – 1,178 funds; 3-year – 1,040 funds; 5-year -- 931 funds; Since Inception – 863 funds. For greater detail see www.morningstar.ca.
Start living your dream with Fidelity
Whether you work with a financial advisor or manage your own investments, Fidelity is here to help you reach your goals faster than you ever thought possible.
