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Fidelity ClearPath 2025 Portfolio Series B

2025 Target Date

FundGrade B Click for more information on Fundata’s FundGrade

FundGrade B

Click for more information on Fundata’s FundGrade.

FundGrade A+® Rating Recipient

FundGrade A+® Rating Recipient

2021, 2016, 2015, 2014

Click for more information on Fundata’s FundGrade

NAVPS
(11-04-2024)
$18.18
Change
$0.00 (-0.02%)

As at September 30, 2024

As at June 30, 2024

Period
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Legend

Fidelity ClearPath 2025 Portfolio Series B

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Fund Returns

Inception Return (November 03, 2005): 5.51%

Fund Returns
Row Heading Return Annualized Return
1 Mth 3 Mth 6 Mth YTD 1 Yr 2 Yr 3 Yr 4 Yr 5 Yr 6 Yr 7 Yr 8 Yr 9 Yr 10 Yr
Fund 2.00% 4.40% 6.08% 10.62% 18.75% 12.65% 2.48% 4.69% 5.07% 5.07% 5.00% 4.96% 5.15% 5.15%
Benchmark 2.55% 7.82% 8.01% 11.27% 20.38% 12.17% 5.26% 7.09% 6.40% 6.76% 6.37% 6.00% 6.52% 5.60%
Category Average 1.56% 4.16% 5.27% 7.71% 14.45% 9.04% 2.72% 3.83% 4.05% 4.32% 4.28% 4.06% 4.39% 4.21%
Category Rank 4 / 26 12 / 26 10 / 26 7 / 26 5 / 26 4 / 26 11 / 25 9 / 23 6 / 20 7 / 20 8 / 18 4 / 15 5 / 14 5 / 13
Quartile Ranking 1 2 2 2 1 1 2 2 2 2 2 2 2 2

Monthly Return

Monthly Return
Return % Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep
Fund -0.87% 5.45% 2.70% -0.14% 2.20% 2.18% -1.54% 2.40% 0.77% 2.38% -0.03% 2.00%
Benchmark -1.57% 6.01% 3.69% -0.31% 0.82% 2.49% -1.88% 1.52% 0.56% 4.19% 0.91% 2.55%

Best Monthly Return Since Inception

6.68% (April 2020)

Worst Monthly Return Since Inception

-10.48% (September 2008)

Calendar Return (%)

Calendar Return
Return % 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023
Fund 9.58% 4.36% 4.00% 9.11% -3.90% 13.85% 10.67% 7.10% -13.36% 8.98%
Benchmark 9.98% -3.02% 11.97% 6.22% -4.30% 15.62% 7.61% 11.90% -8.20% 9.43%
Category Average 7.91% 2.21% 4.79% 6.45% -2.30% 10.77% 8.00% 5.31% -8.27% 6.81%
Quartile Ranking 4 2 3 1 4 2 1 3 4 1
Category Rank 11/ 13 7/ 14 10/ 14 4/ 18 18/ 19 7/ 20 3/ 20 12/ 23 23/ 26 5/ 26

Best Calendar Return (Last 10 years)

13.85% (2019)

Worst Calendar Return (Last 10 years)

-13.36% (2022)

Asset Allocation

Asset Allocation
Name Percent
International Equity 31.68
US Equity 17.86
Canadian Bonds - Funds 13.51
Canadian Equity 11.87
Canadian Government Bonds 11.49
Other 13.59

Sector Allocation

Sector Allocation
Name Percent
Fixed Income 36.50
Mutual Fund 15.54
Technology 10.50
Financial Services 9.23
Industrial Goods 4.36
Other 23.87

Geographic Allocation

Geographic Allocation
Name Percent
North America 68.04
Europe 11.42
Multi-National 10.23
Asia 8.70
Latin America 0.98
Other 0.63

Top Holdings

Top Holdings
Name Percent
Can Bond MA Base - Ser O -
Sov Bd Idx H MA - Ser O -
Fidelity Emerging Markets Fund Series B -
Fidelity Cdn Real Ret Bd Idx Mult Asset Base Fd O -
Fidelity International Equity M-Asset Base Fd O -
Fid Gl Infla Hdgd - Ser O -
Fidelity Insights Investment Trust Series O -
Fidelity Canadian Disciplined Equity Fund Ser O -
BC Gwth MA Base - Ser O -
Fidelity American Disciplined Equity Fund O -

Equity Style

Market capitalization is large. Equity style is growth.

Fixed Income Style

Fixed income style data not available
Period: 

Risk vs Return (3 Yr)

Fidelity ClearPath 2025 Portfolio Series B

Median

Other - 2025 Target Date

3 Yr Annualized

Standard Deviation 9.38% 9.67% 8.00%
Beta 0.90% 0.88% 0.87%
Alpha -0.02% -0.01% 0.00%
Rsquared 0.87% 0.90% 0.80%
Sharpe -0.05% 0.33% 0.47%
Sortino -0.02% 0.36% 0.43%
Treynor -0.01% 0.04% 0.04%
Tax Efficiency 64.48% 79.96% 82.49%
Volatility Volatility rating is 4 on a scale of 1 to 10 Volatility rating is 4 on a scale of 1 to 10 Volatility rating is 3 on a scale of 1 to 10

Risk Rating

Rating 4 out of ten

Annualized Key Ratio Period Comparison

Key Ratio
Key Ratio 1 Yr 3 Yr 5 Yr 10 Yr
Standard Deviation 6.62% 9.38% 9.67% 8.00%
Beta 0.76% 0.90% 0.88% 0.87%
Alpha 0.03% -0.02% -0.01% 0.00%
Rsquared 0.86% 0.87% 0.90% 0.80%
Sharpe 1.93% -0.05% 0.33% 0.47%
Sortino 6.70% -0.02% 0.36% 0.43%
Treynor 0.17% -0.01% 0.04% 0.04%
Tax Efficiency 96.19% 64.48% 79.96% 82.49%

Fund Details

Start Date November 03, 2005
Instrument Type Mutual Fund (Wrap Program)
Share Class Commission Based Advice
Legal Status Trust
Sales Status Open
Currency CAD
Distribution Frequency Annual
Assets ($mil) $586

Fund Codes

FundServ Code Load Code Sales Status
FID725

Investment Objectives

Aims to achieve high total investment return. The Portfolio uses a dynamic asset allocation strategy and invests primarily in underlying funds. These underlying funds generally invest in equity securities, fixed income securities and/or money market instruments. From inception, through to its target date in 2025 and for a period of approximately 20 years thereafter, an increasing proportion of the Portfolio’s assets are invested in securities of fixed income funds and money market funds.

Investment Strategy

To meet the Portfolio’s objectives, the portfolio management team: Invests primarily in underlying funds, including other Fidelity Funds and ETFs. Follows a neutral mix guideline of approximately 54% equity and 44% fixed income and 2% money market instruments and short-term bonds. Depending on market conditions, may vary the asset mix by up to +/-10% from the neutral mix if it believes this produces the best overall return.

Portfolio Manager(s)

Name Start Date
Brett F. Sumsion 11-03-2005
Bruno Crocco 11-03-2005
Andrew Dierdorf 11-03-2005
State Street Global Advisors Ltd. 11-11-2008
Pyramis Canada ULC 11-11-2008
Pyramis Global Advisors Trust Company 11-11-2008
Fidelity International Limited 11-11-2008
Pyramis Global Advisors LLC 11-11-2008
Fidelity Investments Money Management Inc. 11-11-2008

Management and Organization

Fund Manager Fidelity Investments Canada ULC
Advisor Fidelity Investments Canada ULC
Custodian CIBC Mellon Trust Company
Registrar Fidelity Investments Canada ULC
Distributor Fidelity Investments Canada ULC
Auditor PriceWaterhouseCoopers LLP

Investment Minimums

RSP Eligible Yes
PAC Allowed Yes
PAC Initial Investment 500
PAC Subsequent 25
SWP Allowed Yes
SWP Min Balance 5,000
SWP Min Withdrawal 50

Fees

MER 2.16%
Management Fee 1.75%
Load Back Fee Only
FE Max 5.00%
DSC Max -
Trailer Fee Max (FE) 1.00%
Trailer Fee Max (DSC) -
Trailer Fee Max (NL) -
Trailer Fee Max (LL) -

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