Hands-Off Investing Approach for Fidelity Personal Retirement Annuity®
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Choose from two single-fund strategy approaches
Choose by risk tolerance
You choose a fund for FPRA that fits your tolerance for risk—we choose the investments.1
One of our risk-based funds may be a good choice if you:
- Want to align your FPRA investment with a specific asset allocation
- Don't have the time to research investment options and track your annuity portfolio
- Want exposure to multiple asset classes in a single investment2
Choose by target date
You choose the fund that corresponds to the approximate year you want to retire—we choose the investments.1
One of our target date funds may be a good choice if you:
- Would like your FPRA investments to automatically "roll down" (gradually become more conservative) as you approach your retirement year
- Are currently retired and want a conservative investment mix
- Don't have the time to research investment options and track your annuity portfolio
- Want exposure to multiple asset classes in a single investment2
Your risk-based portfolio choices |
VIP FundsManager® Portfolios4 include five different portfolios with equity allocation targets ranging from 20% to 85%. VIP Asset Manager Portfolios include two different portfolios with equity allocation targets of 50% and 70%. VIP Balanced Portfolio5 invests approximately 60% of its assets in equities, with the remainder in fixed income securities. |
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How they're managed
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Invested according to a target asset allocation Diversified across the major asset classes (stocks, bonds, and cash) Actively managed |
What they invest in |
VIP FundsManager® Portfolios utilize a "fund-of-funds" approach, investing across a mix of Fidelity domestic equity, international equity, fixed income, and money-market funds. VIP Asset Manager Portfolios and VIP Balanced Portfolio5 invest in individual stocks, bonds, and short term instruments. |
Your target date choices |
Choose from six portfolios3 targeting different retirement years:
And one designed for those in retirement, Fidelity® VIP Investor Freedom Income PortfolioSM. |
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What they invest in
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Each portfolio is a diversified mix of Fidelity Variable Insurance Products (VIP) short-term, fixed income, domestic equity, and international equity funds.
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How they're managed |
Fidelity handles the asset allocation and investment decisions and manages the roll-down using a proprietary approach. As with all funds available for FPRA, principal invested is not guaranteed at any time, including at or after a portfolio's target date. |