Before investing, consider the funds’ investment objectives, risks, charges, and expenses. Contact Fidelity for a prospectus or, if available, a summary prospectus containing this information. Read it carefully.
An investment in a money market fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although the fund seeks to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in the fund.
In general the bond market is volatile, and fixed income securities carry interest rate risk. As interest rates rise, bond prices usually fall, and vice versa. This effect is usually more pronounced for longer-term securities. Fixed income securities also carry inflation risk and credit and default risks for both issuers and counterparties. Unlike individual bonds, most bond funds do not have a maturity date, so avoiding losses caused by price volatility by holding them until maturity is not possible.
1. For fixed income trades to which concessions apply, minimum charges will vary by channel. For online trades: $0 for U.S. Treasuries; $8 for all other bonds. For rep-assisted trades: $19.95 for all bond types. The maximum charge applied to a fixed income trade is $250. The maximum charge will be reduced to $50 for securities with a maturity date of one year or less.
2. Expense ratio fees could range anywhere from 0.01% to 2% or more per year on average assets in a given fund. See each fund's "Fees & Features" page for further details on any fees associated with a given mutual fund, and also see Understanding Fidelity FundsNetwork® Fees
for more general information on applicable fees.
3. For the purposes of FDIC insurance coverage limits, all depository assets of the accountholder at the institution that issued the CD will generally be counted toward the aggregate limit (usually $250,000) for each applicable category of account. FDIC insurance does not cover market losses. All of the new issue brokered CDs Fidelity offers are FDIC-insured. For details on FDIC insurance limits, see www.fdic.gov.
4. Fixed income annuities available through Fidelity are issued by third party insurance companies, which are not affiliated with any Fidelity Investments company. These products are distributed by Fidelity Insurance Agency, Inc., and for certain products, Fidelity Brokerage Services, Member NYSE, SIPC. A contract's financial guarantees are solely the responsibility of and are subject to the claims-paying ability of the issuing insurance company.