Investing for income doesn’t have to be complicated. Fidelity’s dividend ETFs—FDV, FID, and FDEM—offer a simple, globally diversified approach to capturing growth and generating reliable cash flow. From high-quality U.S. companies to international dividend leaders and emerging-market innovators, these ETFs provide exposure to thousands of stocks in one purchase. By combining automation, strategic allocation, and a long-term focus, busy investors can earn dividends while letting time and compounding do the heavy lifting.

Read the full newsletter to see how to build a diversified dividend portfolio with minimal effort.

Let’s embark on this transformative journey together and position your portfolio for success in this evolving market landscape!

Be sure to read through to the end to catch all the valuable insights this newsletter delivers to your inbox today.

Apple is rolling out Face-ID door locks and robotic smart displays. Elon Musk is quietly building the Tesla Smart Home. A.I. and robotics are driving the next wave of smart home innovation — and the window is open to invest in the companies that can define it.

One category is far bigger than most people realize: window shades. There are billions across homes, offices, and hotels — and almost all of them are still manual.

The last wave created major outcomes. Google bought Nest for $3.2 Billion. Amazon bought Ring for $1.2 Billion. Investors are now hunting for the next category leader — the one that can deliver real exit potential.

RYSE is leading this market with 10 patents, ​$15 million in revenue, and 200% annual growth​. Their a prime acquisition target in a massive, untouched market. And RYSE is pre-IPO with a reserved Nasdaq ticker, giving investors exposure to multiple potential exit paths.

At $2.35 per share, ​this is your moment to get in before the next wave hits​.

Five years ago, Dillard's $DDS ( ▲ 2.55% ) shares were trading around $87.81, but as of January 9, 2026, the stock closed at $681.10—a massive 675.65% rise driven by its exceptional operational efficiency and a $10.63B market cap. This explosive growth represents a compound annual growth rate (CAGR) of 50.6%, meaning your money would have grown by over 50% each year on average as the retailer defied industry trends.

By utilizing a dollar-cost averaging (DCA) strategy and investing $500 every month for five years (totaling $30,000), you would have capitalized on market swings, securing more shares during the 2022 dips and fewer as the stock climbed toward its recent peaks. Projecting forward at this same historical pace with a monthly growth rate of roughly 3.46%, your total investment could reach $114,920 by 2031, resulting in a gain of $84,920 or a 283.1% return.

While the retail sector faces consumer spending shifts and a 52-week high of $741.98 suggests some recent resistance, Dillard's consistent special dividends and share buybacks offer a unique layer of shareholder value; if you maintain this steady drill, your $500 monthly habit could turn into a luxury windfall in the next five years—but as e-commerce continues to evolve, will you be cashing in at the counter or left standing in an empty aisle when the next retail cycle turns?

Investing doesn’t need to be complicated to be effective. For investors focused on building wealth while generating regular income, dividend ETFs are a powerful tool. Rather than chasing individual stocks or trying to time the market, dividend ETFs offer instant diversification, providing ownership in dozens—or even hundreds—of companies with a single purchase.

Fidelity, one of the most trusted investment firms globally, offers a suite of high-quality dividend ETFs. These funds allow investors to capture income, growth, and global exposure while keeping costs low and management simple.

Marketers are mastering AI. You can too.

Subscribe to the Masters in Marketing newsletter for the free AI Trends Playbook and fresh strategies each week.

Download The Playbook

The three key ETFs to consider for 2026 are:

These three funds provide a spectrum of options: core US holdings, high-yield international exposure, and emerging market growth. Each serves a distinct purpose depending on your goals, risk tolerance, and time horizon.

The Fidelity High Dividend ETF $FDV ( 0.0% ) is the flagship fund for U.S.-based dividend investors. With a Morningstar five-star rating, it has consistently outperformed peers and earned investor trust.

Why FDV stands out:

FDV’s strategy combines current dividend payers with companies expected to grow dividends in the future, allowing investors to capture both income and growth. Its lower volatility makes it ideal for investors seeking steady performance without the roller-coaster swings of the broader market.

For investors seeking maximum income and geographic diversification, the Fidelity International High Dividend ETF $FID ( ▲ 0.68% ) provides exposure to developed markets outside the United States.

Key highlights of FID:

International dividend stocks can outperform in cycles when the U.S. underperforms, as they did in the past. Investors must consider currency risk, but a weaker U.S. dollar could enhance returns. FID offers the highest yield among these three ETFs, making it a strong choice for income-focused portfolios.

The Fidelity Emerging Markets Multifactor ETF $FDEM ( ▲ 0.12% ) targets high-quality companies in faster-growing economies, combining dividend income with long-term capital growth.

Key features of FDEM:

Multifactor approach:

FDEM is particularly suited for younger investors or those seeking growth in emerging markets alongside dividend income. The combination of low valuations and high economic growth creates a potential for outsized returns.

Choosing the right ETF depends on your personal goals:

A diversified allocation strategy might look like:

This structure captures:

Key considerations for busy investors:

By combining FDV, FID, and FDEM, a portfolio achieves income, growth, and diversification, making investing simpler and more effective. Time and patience become the investor’s greatest allies.

Bottom line: Fidelity offers carefully constructed ETFs that allow investors to earn dividends, capture global growth, and stay disciplined without spending hours managing individual stocks. With these three funds, your portfolio can be both highly diversified and income-focused, while giving you the freedom to focus on what matters most in life.

Ready to Revolutionize Your Wealth?

Here's what's waiting for you:

With the world becoming increasingly digital, this question will be on the minds of millions of people looking for new income streams in 2025.

The answer is—Absolutely!

Thank you for taking the time to read today’s email! Your support is what allows me to send out this newsletter for free every day. 

 What do you think of the new format? Please provide your feedback in the poll below, and if you find the newsletter valuable, feel free to share it with other investors!

Disclaimer: This newsletter is for informational purposes only and should not be considered financial advice. Please consult with a financial advisor before making any investment decisions.