Defensive Equity Sector Model Portfolios
Investing in traditionally defensive sectors with the stock portion of your portfolio may offer an opportunity to manage some downside risk while continuing to seek the same level of long-term growth.
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Certain sectors may help to reduce market volatility
For clients concerned about volatility, leveraging traditionally defensive sectors may offer an opportunity to manage some of the downside volatility of the stock portion of your portfolio while continuing to seek the same level of long-term growth.
To help you develop your sector investment approach within the Fidelity Personal Retirement Annuity (FPRA) and help manage against market volatility, we've developed four Model Portfolios based on selected target asset mixes.
Make the models work for you
These models show you different ways you might construct a portfolio of funds within FPRA based on your risk tolerance. How you invest starts with choosing an asset mix that is in line with your tolerance for risk, individual financial situation and long-term goals.
These model portfolios provide an asset allocation across five FPRA funds, and are for investors who are looking to manage volatility through sectors.
Note: FPRA is a low-cost tax deferred variable annuity, and the Model Portfolios were created specifically with tax deferral and low-cost in mind; implementing a similar strategy in a higher cost annuity or in a taxable account may not be appropriate.
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Defensive Equity Sector—Balanced
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Defensive Equity Sector—Growth
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Defensive Equity Sector—Aggressive Growth
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Defensive Equity Sector—Most Aggressive
This Model Portfolio may be appropriate for investors who want the potential for capital appreciation and some growth, but are concerned about market volatility.
Asset Mix
50% Domestic Stock
50% Bonds
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Model Portfolio
Asset Type | Fund Name | Allocation |
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Sector Stock | Fidelity VIP HealthCare (FPDRC) | 8% |
Sector Stock | Fidelity VIP Consumer Staples (FCSAC) | 8% |
Sector Stock | Fidelity VIP Utilities (FXRRC) | 8% |
Domestic Stock | Fidelity VIP Index 500 (FXVLT) | 26% |
Bonds | Fidelity VIP Investment Grade Bond (FTLKC) | 50% |
This Model Portfolio may be appropriate for investors who have a preference for growth, but are concerned about market volatility.
Asset Mix
70% Domestic Stock
30% Bonds
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Model Portfolio
Asset Type | Fund Name | Allocation |
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Sector Stock | Fidelity VIP HealthCare (FPDRC) | 10% |
Sector Stock | Fidelity VIP Consumer Staples (FCSAC) | 10% |
Sector Stock | Fidelity VIP Utilities (FXRRC) | 10% |
Domestic Stock | Fidelity VIP Index 500 (FXVLT) | 40% |
Bonds | Fidelity VIP Investment Grade Bond (FTLKC) | 30% |
This Model Portfolio may be appropriate for investors who seek aggressive growth, but are concerned about market volatility.
Asset Mix
85% Domestic Stock
15% Bonds
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Model Portfolio
Asset Type | Fund Name | Allocation |
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Sector Stock | Fidelity VIP HealthCare (FPDRC) | 10% |
Sector Stock | Fidelity VIP Consumer Staples (FCSAC) | 10% |
Sector Stock | Fidelity VIP Utilities (FXRRC) | 10% |
Domestic Stock | Fidelity VIP Index 500 (FXVLT) | 55% |
Bonds | Fidelity VIP Investment Grade Bond (FTLKC) | 15% |
This Model Portfolio may be appropriate for investors who seek very aggressive growth, but are concerned about market volatility.
Asset Mix
100% Domestic Stock
0% Bonds
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Model Portfolio
Asset Type | Fund Name | Allocation |
---|---|---|
Sector Stock | Fidelity VIP HealthCare (FPDRC) | 10% |
Sector Stock | Fidelity VIP Consumer Staples (FCSAC) | 10% |
Sector Stock | Fidelity VIP Utilities (FXRRC) | 10% |
Domestic Stock | Fidelity VIP Index 500 (FXVLT) | 70% |
Bonds | Fidelity VIP Investment Grade Bond (FTLKC) | 0% |