Data and insights drive better retirement policy

A wide range of policy debates have a direct influence on the products, services, and solutions our customers rely on to prepare for every stage of their lives. To support efforts that encourage better retirement policies, Fidelity shares with policymakers the collective experience of a significant segment of workers planning for retirement.

The U.S. Congress made it easier for all workers to save for retirement when they passed the Pension Protection Act of 2006 (PPA), which gave employers a basic recipe for a defined contribution (DC) plan. How do we know that PPA worked? Our customer data proves it, drawing on behaviors of more than 23 million individual investors and 20,000 employers. With a focus on behavioral economics, PPA relies on setting defaults for savers and has initial results of higher savings rates and improved asset allocation.

With more and more employees relying on their DC savings as their primary source of retirement income, however, Fidelity is working to advance policy that will build on the existing improvements that PPA has made to saving for retirement. We know that more plan sponsors would benefit from more aggressive strategies for plan design to promote higher participation and savings rates. Fidelity will continue to advocate for policies that help make it easier for employers to adopt a plan design that can improve outcomes for all workers.

See an infographic explaining how the PPA "recipe" works (PDF)

Our Company

Personal Investing

We provide financial planning and retirement options such as IRAs, annuities, and managed accounts; brokerage and cash management products; college savings accounts; and other financial services for millions of individual investors.

Workplace Investing

We work with employers to build benefit programs for their employees, and provide recordkeeping, investments, and servicing in defined contribution, defined benefit, health & welfare, and stock plan services.

Fidelity Institutional

We bring sophisticated technology and highly personalized service together to offer clearing, custody, investment products, brokerage, and trading services to a wide range of financial firms.

Fidelity Institutional Asset Management

Fidelity Institutional Asset Management is a distribution organization dedicated to the institutional marketplace. It serves consultants and institutional investors, such as defined benefit and defined contribution plans, endowments, and financial advisors.

Fidelity Charitable

Fidelity Charitable is an independent public charity that allows donors to establish a dedicated donor-advised fund to support their favorite charities in the short term and create a systematic plan for longer term philanthropic goals.

Fidelity Labs

Fidelity Labs explores emerging technology and harnesses innovation to benefit Fidelity's businesses and customers.

Careers at Fidelity

Fidelity Careers Sales, relationship management, product, marketing, technology, operations, and corporate functions


Asset Management Careers Investment management and support