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Mutual Funds and Mutual Fund Investing - Fidelity Investments

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Annuities Overview

Sector Investing in Fidelity Personal Retirement Annuity^®1

To buy or learn more

800-544-3274 800-544-3274
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Investing in equity sector funds in a tax-deferred account, such as the Fidelity Personal Retirement Annuity (FPRA), provides targeted exposure to specific segments of the economy, allows you to trade and rebalance without tax consequences², and eliminates the need to track and report capital gains and losses. It's important to keep in mind that because of their narrow focus, sector funds can be more volatile than diversified equity funds.

View our Defensive Equity Sector Model Portfolios for FPRA

Before investing, consider the investment objectives, risks, charges, and expenses of the fund or annuity and its investment options. Contact Fidelity for a prospectus or, if available, a summary prospectus containing this information. Read it carefully.

Investing in a variable annuity involves risk of loss—investment returns and contract value are not guaranteed and will fluctuate.

Neither diversification nor asset allocation ensures a profit or guarantees against loss in a declining market.

Stock markets, especially foreign markets, are volatile and can decline significantly in response to adverse issuer, political, regulatory, market, or economic developments. Sector funds can be more volatile because of their narrow concentration in a specific industry.

1. Investments in Fidelity VIP sector funds, except VIP Real Estate, transferred or withdrawn in less than 60 days of purchase will be assessed a 1% fee, which is retained by the funds. Investing in sector funds may be more volatile because of their narrow investment concentration.

2. Withdrawals of taxable amounts from an annuity are subject to ordinary income tax, and, if taken before age 59½, may be subject to a 10% IRS penalty.

Fidelity Personal Retirement Annuity (Policy Form No. DVA-2005, et al.) is issued by Fidelity Investments Life Insurance Company (FILI), 100 Salem Street, Smithfield, RI 02917, and, for New York residents, Personal Retirement Annuity (Policy Form No. EDVA-2005, et al.) is issued by Empire Fidelity Investments Life Insurance Company^®, New York, N.Y. FILI is licensed in all states except New York. Fidelity Brokerage Services, Member NYSE, SIPC, and Fidelity Insurance Agency, Inc., are the distributors. A contract's financial guarantees are subject to the claims-paying ability of the issuing insurance company.

Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917

600328.11.0

Mutual Funds and Mutual Fund Investing - Fidelity Investments

Sector Investing in Fidelity Personal Retirement Annuity®1

To buy or learn more

Available sector funds

Sector investing tools and insights

Fidelity Viewpoints®

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Sector Investing in Fidelity Personal Retirement Annuity^®1

Fidelity Viewpoints^®