Annuities available through Fidelity

Annuities may help you increase savings, protect your savings, or guarantee1 income for life.

 

Saving for Retirement

Fidelity Personal Retirement Annuity®2,3

Allows you to save more for retirement and other long-term goals on a tax-deferred basis

Minimum Investment

$10,000

Fees

  • Annual annuity charge of 0.25% (0.10% for contracts with an initial investment of $1 million or more, or have accumulated $1 million or more)4
  • Fund fees apply

Highlights:

  • Option to select a single fund strategy, build your own portfolio from 55+ funds, or create your own industry sector investing approach
  • Trade and rebalance with no tax consequences5
  • Any earnings not taxed until withdrawn
 

Deferred Fixed Annuities6

Offers a guaranteed1 rate of return for a set period of time

Minimum Investment

$5,000

(varies by product)

Fees

  • Interest rate is net of implicit fees
  • Surrender charges may apply

Highlights:

  • Interest rate guaranteed for initial 3- to 9-year period that you select
  • After initial guarantee period, there are several options to consider
  • Earnings not taxed until withdrawn
 

Transitioning to Retirement

Deferred Income Annuities

Provides guaranteed1 lifetime income beginning on a future date that you select8

Minimum Investment

$10,000

Fees

  • Income payments are net of implicit fees
  • Surrender charges may apply

Highlights:

  • Ability to make additional premium payments during the deferral period9 to increase future income
  • Optional cost of living adjustment
  • Optional protection for your beneficiaries
  • One-time ability to change the income start date10
  • Coverage for you or you and another person
 

New York Life Clear Income Fixed Annuity - FP Series11,12

Provides guaranteed1 lifetime income and the flexibility to access assets should your plans change13

Minimum Investment

$50,000

Fees

  • Interest rate and income payments are net of fees
  • Annual fee is 0.75% of Accumulation Value
  • MVA and/or surrender charges may apply

Highlights:

  • Interest rate guaranteed for initial 7-year period
  • After initial guarantee period, a new interest rate is determined annually
  • Guaranteed1 lifetime income amount increases by 5% on each contract anniversary for the first 10 years or until lifetime withdrawals begin, whichever comes first. This is used to calculate your guaranteed lifetime withdrawal benefit and has no cash value
  • Coverage for you or you and another person
 

Living in Retirement

Immediate Fixed Income Annuities

Provides guaranteed1 stream of income for your lifetime or a set period of time (with no or limited access to assets)

Minimum Investment

$10,000

Fees

  • Income payments are net of fees
  • Surrender charges may apply

Highlights:

  • Optional cost-of-living adjustment
  • Optional protection for your beneficiaries
  • Coverage for you or you and another person
 

Saving for Retirement

 
 

Transitioning to Retirement

 
 

Living in Retirement

Allows you to save more for retirement and other long-term goals on a tax-deferred basis

Offers a guaranteed1 rate of return for a set period of time

Provides guaranteed1 lifetime income beginning on a future date that you select8

Provides guaranteed1 lifetime income and the flexibility to access assets should your plans change13

Provides guaranteed1 stream of income for your lifetime or a set period of time (with no or limited access to assets)

Minimum Investment

$10,000

Minimum Investment

$5,000

(varies by product)

Minimum Investment

$10,000

Minimum Investment

$50,000

Minimum Investment

$10,000

Fees

  • Annual annuity charge of 0.25% (0.10% for contracts with an initial investment of $1 million or more, or have accumulated $1 million or more)4
  • Fund fees apply

Fees

  • Interest rate is net of implicit fees
  • Surrender charges may apply

Fees

  • Income payments are net of implicit fees
  • Surrender charges may apply

Fees

  • Interest rate and income payments are net of fees
  • Annual fee is 0.75% of Accumulation Value
  • MVA and/or surrender charges may apply

Fees

  • Income payments are net of fees
  • Surrender charges may apply

Highlights:

  • Option to select a single fund strategy, build your own portfolio from 55+ funds, or create your own industry sector investing approach
  • Trade and rebalance with no tax consequences5
  • Any earnings not taxed until withdrawn

Highlights:

  • Interest rate guaranteed for initial 3- to 9-year period that you select
  • After initial guarantee period, there are several options to consider
  • Earnings not taxed until withdrawn

Highlights:

  • Ability to make additional premium payments during the deferral period9 to increase future income
  • Optional cost-of-living adjustment
  • Optional protection for your beneficiaries
  • One-time ability to change the income start date10
  • Coverage for you or you and another person

Highlights:

  • Interest rate guaranteed for initial 7-year period
  • After initial guarantee period, a new interest rate is determined annually
  • Guaranteed1 lifetime income amount increases by 5% on each contract anniversary for the first 10 years or until lifetime withdrawals begin, whichever comes first. This is used to calculate your guaranteed lifetime withdrawal benefit and has no cash value
  • Coverage for you or you and another person

Highlights:

  • Optional cost-of-living adjustment
  • Optional protection for your beneficiaries
  • Coverage for you or you and another person

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