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Mutual Funds and Mutual Fund Investing - Fidelity Investments

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Opportunities to earn more on your cash

Compare the investment options below to see which may be the best fit for your goals.

Short term (3 months+)

New issue brokered certificates of deposit (CDs)

See details

Medium term (3 years+)

Deferred fixed annuities¹

See details

Long term (5 years+)

Professionally managed solutions²

See details

SHORT TERM

New issue brokered certificates of deposit (CDs)

Learn more

May be appropriate for	Investors who are looking for a near-term investment solution with FDIC-insured³ fixed rates of return that may earn higher rates than cash.

Growth potential	Yields as of Monday March 13th, 2023, range from 5.10% to 5.45% for CD maturing 3 months to 5 years.

Investment time horizon	3 months–5 years

Access	If you need to sell your CDs prior to maturity, you will incur a trading fee⁴ and may be subject to a gain or loss depending on their current market value.

Minimum investment	$1,000

MEDIUM TERM

Deferred fixed annuities¹

Learn more

To talk with an annuity consultant, call 866-451-8299

May be appropriate for	Investors who are looking for a medium-term investment solution with a guaranteed⁵ rate of return and tax deferral.

Growth potential	Yields as of Monday March 13th, 2023, range from 3.80% to 4.10% depending on durations from 3 to 10 years.

Investment time horizon	3–10 years

Access	Opportunity to take annual withdrawals of up to 10% of your contract value without a surrender charge. Surrender and other charges may otherwise apply. Withdrawals of taxable amounts are subject to ordinary income tax, and, if withdrawn prior to age 59½, may be subject to a 10% IRS penalty.

Minimum investment	Starting at $5,000 Varies by product

LONG TERM

Professionally managed solutions²

Learn more

To talk with a Fidelity advisor, call 800-343-3548

May be appropriate for	Investors who are looking for a professionally managed portfolio tailored to their unique goals and investment preferences, ranging from conservative strategies that can help temper equity market swings to more aggressive growth-oriented portfolios.

Growth potential	Depends on investment approach, with some approaches seeking to maximize returns for a given level of risk and others that emphasize defensive investments.

Investment time horizon	Recommended for 5+ year time horizon

Access	You can close and redeem a managed account at any time. You may be subject to a gain or loss depending on market factors.

Minimum investment	As low as $0⁶, depending on your managed account choice

We can connect you with a financial professional who can help you build a plan around your full financial picture.

Start a conversation

1. Fixed annuities available at 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, by Fidelity Brokerage Services, Member NYSE, SIPC.

2. Professionally managed solutions refer to the discretionary investment management services provided through Fidelity Personal and Workplace Advisors LLC (FPWA), a registered investment adviser. These services are provided for a fee. Brokerage services provided by Fidelity Brokerage Services LLC (FBS), and custodial and related services provided by National Financial Services LLC (NFS), each a member NYSE and SIPC. FPWA, FBS, and NFS are Fidelity Investments companies.

For the purposes of FDIC insurance coverage limits, all depository assets of the account holder at the institution issuing 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 the new-issue brokered CDs Fidelity offers are FDIC insured. In some cases, CDs may be purchased on the secondary market at a price that reflects a premium to their principal value. This premium is ineligible for FDIC insurance. For details on FDIC insurance limits, visit FDIC.gov.

Minimum markup or markdown of $19.95 applies if traded with a Fidelity representative. For U.S. Treasury purchases traded with a Fidelity representative, a flat charge of $19.95 per trade applies. A $250 maximum applies to all trades, reduced to a $50 maximum for bonds maturing in one year or less. Rates are for U.S. dollar-denominated bonds; additional fees and minimums apply for non-dollar bond trades. Other conditions may apply; see Fidelity.com/commissions for details. Please note that markups and markdowns may affect the total cost of the transaction and the total, or "effective," yield of your investment. The offering broker, which may be our affiliate, National Financial Services LLC, may separately mark up or mark down the price of the security and may realize a trading profit or loss on the transaction.

5. Annuity guarantees are subject to product terms, exclusions and limitations and the insurer's claims paying ability and financial strength. Although deferred fixed annuities offer tax-deferral, if you are considering one to fund a qualified retirement plan or IRA, you should do so for the annuity's features and benefits other than tax deferral. In such cases, tax deferral is not an additional benefit of the deferred fixed annuity. Each individual's situation is unique and therefore seeking additional guidance from a tax advisor is suggested.

6. Although there is no minimum amount required to open certain managed accounts, in order for us to invest your money according to the investment strategy you've chosen, your account balance must be at least $10.

Keep in mind that investing involves risk. The value of your investment will fluctuate over time, and you may gain or lose money.

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, liquidity risk, call risk and credit and default risks for both issuers and counterparties. Lower-quality fixed income securities involve greater risk of default or price changes due to potential changes in the credit quality of the issuer. Foreign investments involve greater risks than U.S. investments, and can decline significantly in response to adverse issuer, political, regulatory, market, and economic risks. Any fixed-income security sold or redeemed prior to maturity may be subject to loss.

Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917

966313.7.0

Mutual Funds and Mutual Fund Investing - Fidelity Investments

Opportunities to earn more on your cash

Short term (3 months+)

Medium term (3 years+)

Long term (5 years+)

SHORT TERM

MEDIUM TERM

LONG TERM