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Investing for Income

Planning to retire soon and want to turn your investments into income? Our tools and resources can help you protect your assets and make your money last.

Calculators & tools

Use our comprehensive calculators and tools to help create an investment income plan that fits your needs in retirement.

For illustrative purposes only.

Fidelity Income Strategy Evaluator®

Find a right mix of income-producing investments to help meet your needs in retirement.

Guaranteed Income Estimator

Get an estimate for guaranteed income payments you can receive through a fixed income annuity (guarantees are subject to the claims-paying ability of the issuing insurance company).

Bond Ladder ToolLog In Required

Use this tool to help create a consistent income stream by investing in different bonds with staggered maturity dates.

Price-Yield Calculator

Calculate the estimated yield or price of a bond, including accrued interest, invoice price, yield-to-maturity, and yield-to-call.

View all investing calculators & tools.

Fidelity Viewpoints®

Our Viewpoints articles provide perspective from Fidelity on the markets and economy, investing, and personal finance.

  • Looking for income

    Consider high-dividend-yielding stocks, preferreds, convertibles, and REITs.
  • Volatility strategies

    When markets get choppy, it pays to have a plan for your investments, and to stick to it.
  • Mutual fund or ETF?

    Here's what you need to know about each, and some factors to consider when choosing.
  • Earn more from your cash

    Finding yield is a challenge, but possible. Here are ways to help get more from your cash.

Fidelity Learning Center

Our Learning Center offers quick, easy-to-follow lessons on a wide range of topics to help you make smarter decisions as you develop an investment strategy.

Tax-smart investing seminar

Understand the impact of taxes on your portfolio and identify strategies to help you plan for them.
Find a location near you.

An introduction to the fixed income market
Learn how investments like bonds and CDs can play a key role in a diversified portfolio.

Retirement income strategies
Start with a realistic view of what your retirement lifestyle will look like and the costs involved.

Build your fixed income portfolio
Get a better understanding of available fixed income strategies.

View all lessons and courses.

What we offer

Fixed Income & Bonds
Individual bonds may be the best known type of fixed income security, but the category also includes bond funds, ETFs, CDs, and money market funds.

Fidelity Income Replacement FundsSM
Turn part of your savings into regular monthly payments.

Income-Producing Funds in Fidelity Fund Picks®
Find funds that can help you generate income with monthly or quarterly dividends.

IMPORTANT: The projections or other information generated by Fidelity Income Strategy Evaluator regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results, and not guarantees of future results. Results may vary with each use and over time.
Keep in mind that investing involves risk. The value of your investment will fluctuate over time and you may gain or lose money.
Calculators and tools are provided for educational purposes only. Guidance provided by Fidelity is educational in nature, is not individualized, and is not intended to serve as the primary or sole basis for your investment or tax-planning decisions.
As with all your investments through Fidelity, you must make your own determination whether an investment in any particular security or securities is consistent with your investment objectives, risk tolerance, financial situation and your evaluation of the security. Be sure to review your decisions periodically to make sure they are still consistent with your goals.
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.