Fidelity Personal Retirement Annuity®
Fidelity Personal Retirement Annuity®1 (FPRA) is a low-cost deferred variable annuity that allows you to save more for retirement on a tax-deferred basis.
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Investors who want to increase their tax deferred retirement savings beyond the contribution limits of an IRA or 401(k), with the ability to invest in a wide range of investments including equity, bond, and asset allocation funds
Tax-deferred growth potential
Trade and rebalance with no tax consequences2
Low annual annuity fees — among the lowest in the industry3
No surrender charge
The ability to invest as much as you want—no IRS contribution limits4
Any earnings not taxed until withdrawn5
Choose from a selection of 55+ funds, many rated 4 or 5 stars by Morningstar®6
Customize your investment approach to help meet your investing style and objectives
Choose a single-fund strategy, build your own portfolio, or create your own industry sector investing approachLearn more about FPRA investment approaches
0.25% for contracts purchased with an initial investment of less than $1 million (or have not yet accumulated $1 million)
0.10% for contracts purchased with an initial investment of $1 million or more (or have accumulated $1 million or more)7
Fund fees also apply
If you own an annuity outside Fidelity, a tax-free exchange to a Fidelity Personal Retirement Annuity® may help you accumulate more for retirement with lower fees and our professionally managed investment solutions.
Call us at 800-544-4936 for a free Annuity Cost Comparison Report to see if a tax-free 1035 exchange from your current annuity is right for you.8
to buy FPRA or find out more.