Fidelity Model Portfolios

Accessing Fidelity's powerful portfolio management capabilities, our model portfolios can help you manage investments effectively so you can add value for your clients in other ways.

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Asset Class

Diversified, core portfolios that can be aligned to a client's level of risk.

Fidelity Target Allocation Model Portfolios

  • Designed to provide enhanced risk-adjusted total return across the risk spectrum

  • Seeks to enhance total return through fund selection

  • Diversifies across asset classes and sub-asset classes

Model Allocation Mix

30% 50% 6% 14% 15% 45% 12% 28% 5% 35% 42% 18% 5% 25% 21% 49% 1% 25% 60% 14% Conservative RISK PROFILE SPECTRUM Growth Domestic Equities International Equities Bonds Short-Term 20% | 80% 40% | 60% 60% | 40% 70% | 30% 85% | 15%
Resources

Fidelity Target Allocation Index-Focused Model Portfolios

  • Designed to provide risk-adjusted total return across the risk spectrum

  • Seeks to minimize cost and tracking error

  • Diversifies across asset classes and sub-asset classes

Model Allocation Mix

30% 50% 6% 14% 15% 45% 12% 28% 5% 35% 42% 18% 5% 25% 21% 49% 1% 25% 60% 14% Conservative RISK PROFILE SPECTRUM Growth Domestic Equities International Equities Bonds Short-Term 20% | 80% 40% | 60% 60% | 40% 70% | 30% 85% | 15%
Resources

Fidelity Multi-Asset Business Cycle Model Portfolio

  • Designed to provide enhanced risk-adjusted returns through a dynamic investment approach

  • Tilts exposures to the major asset classes and sectors based on shifts in the business cycle

  • Provides the diversification benefits of 60/40 multi-asset class portfolio construction

  • Flexible use of either active or passive investments

Model Allocation Mix

5% 35% 36% 24% Domestic Equities International Equities Bonds Short-Term
Resources

Model portfolios designed to generate a high level of income in a client's portfolio.

Fidelity Bond Income Model Portfolios

  • Designed to provide a high level of income

  • Looks beyond standard deviation in seeking to manage risk

  • Focuses on investment grade and high yield fixed income sectors

  • Diverse investment universe including ETFs

Model Allocation Mix

2% 98% Domestic Equities International Equities Bonds Short-Term
Resources

Fidelity Multi-Asset Income Model Portfolios

  • Designed to provide a high level of income

  • Looks beyond standard deviation in seeking to manage risk

  • Invests in fixed income sectors and equity income strategies

  • Diverse investment universe including ETFs

Model Allocation Mix

5% 55% 28% 12% Domestic Equities International Equities Bonds Short-Term
Resources

Fidelity U.S. Equity Income Factor ETF Model Portfolio

  • Seeks to provide targeted income generation, which may benefit clients in or approaching retirement

  • Diversifies across factors

  • Uses Fidelity Factor ETFs, which apply a proprietary, integrated quantitative and fundamental research approach

Model Allocation Mix

2% 98% Domestic Equities International Equities Bonds Short-Term
Resources

Model portfolios designed to serve as or complement the equity portion of a client's portfolio.

Fidelity Sector Equity Business Cycle Model Portfolio

  • Designed to provide enhanced risk-adjusted returns through a dynamic investment approach

  • Tilts exposures to sectors and industry groups based on shifts in the business cycle

  • Industry group-level investment vehicles provide the opportunity to make targeted and cyclical allocations

  • Open architecture with flexibility to emphasize active or passive investments

Model Allocation Mix

2% 98% Domestic Equities International Equities Bonds Short-Term
Resources

Fidelity U.S. Equity Defensive Factor ETF Model Portfolio

  • Designed to help reduce risk and lower volatility, which may help clients who are more sensitive to market downturns

  • Diversifies across factors

  • Uses Fidelity Factor ETFs, which apply a proprietary, integrated quantitative and fundamental research approach

Model Allocation Mix

2% 98% Domestic Equities International Equities Bonds Short-Term
Resources

Fidelity U.S. Equity Factor ETF Model Portfolio

  • Seeks to provide enhanced risk-adjusted returns for clients looking for capital appreciation

  • Diversifies across factors

  • Uses Fidelity Factor ETFs, which apply a proprietary, integrated quantitative and fundamental research approach

Model Allocation Mix

2% 98% Domestic Equities International Equities Bonds Short-Term
Resources

Fidelity U.S. Equity Income Factor ETF Model Portfolio

  • Seeks to provide targeted income generation, which may benefit clients in or approaching retirement

  • Diversifies across factors

  • Uses Fidelity Factor ETFs, which apply a proprietary, integrated quantitative and fundamental research approach

Model Allocation Mix

2% 98% Domestic Equities International Equities Bonds Short-Term
Resources
  • Note: Not all resources described are available to Fidelity Model Portfolios.
  • The information presented herein does not make an offer or solicitation to buy or sell any securities or services, and is not investment advice. FIAM does not provide legal or tax advice and we encourage you to consult your own lawyer, accountant, or other advisor before making an investment.
  • The Fidelity Target Allocation Models, Fidelity Business Cycle Models, Fidelity U.S. Equity Factor Models, and Fidelity Income Models (collectively, the “Fidelity Model Portfolios” or the “Models”) are made available to financial intermediaries on a non-discretionary basis by FIAM LLC, a registered investment adviser or by Fidelity Investments Institutional Services Company, Inc. (“FIISC”), a registered broker-dealer, (collectively “FIAM”). The information presented herein is for discussion and illustrative purposes only and is not investment, legal or tax advice, nor an offer or a solicitation to buy or sell any securities or services. FIAM is not acting as a fiduciary or in any advisory capacity in providing this information. The information is designed to be utilized by you solely as a resource, along with other potential sources, in providing advisory services to your clients. You are solely responsible for determining whether the Models, the investment products included in the Models, and the share class of those products, are appropriate and suitable for you to base a recommendation or provide advice to any end investor about the potential use of the Models.
  • With the exception of the Fidelity Target Allocation Models, which consists solely of Fidelity mutual funds, the Models may consist of Fidelity mutual funds, Fidelity ETFs, third-party ETFs, and iShares ETFs sponsored by BlackRock. These investment products that comprise the models are available only in the share class designated by FIAM when made available through the Models. FIAM does not seek to offer investment products or share classes through the Models that are necessarily the least expensive. In some cases, the investment products in the Models may have a lower cost share class available on a stand-alone basis for purchase outside of the Models, or that may be available to other types of investors. Use of the Models will result in the payment of fees to the Fidelity funds and Fidelity ETFs in the Models as provided for in the prospectus to each such investment product. The fees received from investment in the funds and ETFs will be shared by various affiliates, including FIAM, involved in distributing and advising the Models, the Fidelity funds, and the Fidelity ETFs in the Models. For certain accounts custodied on Fidelity's brokerage platform that elect to invest in Fidelity Models that include iShares ETFs, Fidelity receives compensation from the iShares ETF sponsor and/or its affiliates in connection with an exclusive, long-term marketing program that includes promotion of iShares ETFs. Additional information about the sources, amounts, and terms of compensation is described in the ETF's prospectus and related documents. Fidelity may add or waive commissions on ETFs without prior notice. BlackRock and iShares are registered trademarks of BlackRock, Inc. and its affiliates.
  • FIAM does not have investment discretion and does not place trade orders for any of your clients' accounts. Information and other marketing materials provided to you by FIAM concerning the Models may not be indicative of your client's actual experience from investing in one or more of the investment products included in the Models. The Models' allocations and data are subject to change.
  • Past performance is no guarantee of future results. An investment may be risky and may not be suitable for an investor's goals, objectives and risk tolerance. Investors should be aware that an investment's value may be volatile and any investment involves the risk that you may lose money. Investment performance of the Models depends on the performance of the underlying investment options and on the proportion of the assets invested in each underlying investment option over time. The performance of the underlying investment options depends, in turn, on their investments. The performance of these investments will vary day to day in response to many factors. Asset allocation strategies are subject to the volatility of the financial markets, including that of the underlying investment options' asset class.
  • Diversification does not ensure a profit or guarantee against a loss.
  • Stock markets are volatile and can decline significantly in response to adverse issuer, political, regulatory, market, or economic developments. In general the bond market is volatile, and fixed income securities carry interest rate risk. (As interest rates rise, bond prices usually fall, and vice versa. This effect is usually more pronounced for longer-term securities.) Fixed income securities also carry inflation, credit, and default risks for both issuers and counterparties.
  • Because of its narrow focus, sector investing tends to be more volatile than investments that diversify across many sectors and companies. Each sector investment is also subject to the additional risks associated with its particular industry.
  • There is no guarantee that a factor-based investing strategy will enhance performance or reduce risk. Before investing, make sure you understand how a factor investment strategy may differ from a more traditional index-based or actively managed approach. Depending on market conditions, factor-based investments may underperform compared to investments that seek to track a market-capitalization-weighted index or investments that employ full active management.
  • “Fidelity Investments” and/or “Fidelity” refers collectively to FMR LLC, a U.S. company, and its subsidiaries, including but not limited to Fidelity Management & Research Company (FMR Co.) and FIAM LLC.
 
 

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