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Fidelity® Personalized Portfolios

This account offers tax-sensitive1 professional money management for investors who want to personalize their account.

Benefits

A tailored approach

Opportunity to personalize your account based on your goals and preferences, including the ability to include and/or exclude certain investments

Tax-sensitive
investment
strategies1

Multiple tax-sensitive investment management techniques and an ongoing rigorous account review process that seeks to increase your after-tax performance

Personalized
investment
management

An actively managed account focused on risk management, diversification, investment research, and after-tax returns

A personal relationship

A dedicated financial consultant and portfolio specialist who work together to help ensure your managed account and overall financial needs are taken care of

Trust services

Professional management of your trust assets

Fidelity's Personal Trust Services 2

Account details

Description

Based on your specific investment needs, a personalized portfolio of stocks, bonds, mutual funds, and exchange-traded funds (ETFs) will be built and actively managed by Fidelity's Strategic Advisers.

Minimum investment

$200,000

Gross annual
advisory fee

A gross annual advisory fee will be charged—between 0.55% and 1.5%—and will vary based on total assets invested.3

Investment management

Investment team

Strategic Advisers, Inc., a registered investment adviser

Your Investment Team

Investment  strategy  

Your long-term asset allocation and the investments which make up your portfolio comprise your investment strategy. Over time, your investments will be actively managed with the goal of taking advantage of upside market activity, managing for taxes, and seeking to minimize downside risk.

Benefits of Asset Allocation

Investment holdings

A mix of stocks, bonds, mutual funds, ETFs, and, when appropriate, your investment team may propose the use of the Strategic Advisers Tax-Managed U.S. Large-Cap Separately Managed Account (SMA), the Strategic Advisers Equity Growth SMA, and the Strategic Advisers Equity Value SMA.4

Fidelity Equity SMAs overview (PDF)

How we keep in touch

Fidelity contacts
A portfolio specialist will be your dedicated contact for all your managed account needs. You may also have access to a financial consultant who will be your contact for all your financial needs across Fidelity.
Customized
communications

Monthly statements, quarterly investment reviews, and an exclusive client website with access to account-specific information, investment commentary, and market insights from Fidelity

Next steps

To open a managed account with Fidelity, start by telling us your financial needs and goals. We’ll send you a complimentary investment proposal.

Call an investment professional at 800-544-1766.

Questions?

1. Strategic Advisers, Inc. (SAI), applies tax-sensitive investment management techniques in connection with Fidelity Personalized Portfolios (including "tax-loss harvesting") on a limited basis, at its discretion, primarily with respect to determining when assets in a client's account should be bought or sold. As a discretionary investment manager, Strategic Advisers may elect to sell assets in an account at any time. A client may have a gain or loss when assets are sold. Strategic Advisers does not currently invest in tax-deferred products, such as variable insurance products or tax-managed funds, but may do so in the future if it deems such to be appropriate for a client. Strategic Advisers does not actively manage for alternative minimum taxes; state or local taxes; foreign taxes on non-U.S. investments; or estate, gift, or generation-skipping transfer taxes. Strategic Advisers relies on information provided by clients in an effort to provide tax-sensitive investment management, and does not offer tax advice. Strategic Advisers can make no guarantees as to the effectiveness of the tax-sensitive investment management techniques applied in serving to reduce or minimize a client’s overall tax liabilities or as to the tax results that may be generated by a given transaction. Clients are responsible for all tax liabilities arising from transactions in their accounts, for the adequacy and accuracy of any positions taken on tax returns, for the actual filing of tax returns, and for the remittance of tax payments to taxing authorities.
2. Fidelity Personal Trust refers to trust services that are offered through Fidelity Personal Trust Company, FSB (FPTC), a federal savings bank, and Fidelity Management Trust Company (FMTC).
3. You will also incur underlying expenses associated with the investment vehicles selected.
4. Please note that you will be charged an additional fee for any SMAs held in your account. These fees are in addition to the basic advisory fees for Fidelity Personalized Portfolios. Please refer to your Client Agreement for detailed fee information.

Fidelity® Personalized Portfolios is a service of Strategic Advisers, Inc., a registered investment adviser and a Fidelity Investments company. Fidelity® Personalized Portfolios may be offered through the following Fidelity Investments companies: Strategic Advisers, Inc., a registered investment adviser; Fidelity Personal Trust Company, FSB (“FPTC”), a federal savings bank; or Fidelity Management Trust Company (“FMTC”). Nondeposit investment products and trust services offered through FPTC and FMTC and their affiliates are not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency, are not obligations of any bank, and are subject to risk, including possible loss of principal. This service provides discretionary money management for a fee.
 
Brokerage services provided by Fidelity Brokerage Services LLC. Custody and other services provided by National Financial Services LLC. Both are Fidelity Investments companies and members of NYSE and SIPC.

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

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Complete an Investor Profile Questionnaire

Tell us about your investment objectives

Call us at 800-544-1766
or
Get started online using the appropriate link below

(available for Fidelity Portfolio Advisory Service® and Fidelity® Personalized Portfolios only)

Time needed: Approximately 15 minutes
Fidelity customers: Log in (login required)
Fidelity members: Sign in (login required)
New to Fidelity

After reviewing your investor profile, we'll send you a complimentary investment proposal.

Keep in mind, investing involves risk. The value of your investment will fluctuate over time, and you may gain or lose money.
All information is confidential. Learn about our security.
Strategic Advisers, Inc., and BlackRock Investment Management, LLC, are independent entities and are not legally affiliated. Strategic Advisers, Inc. is the investment manager for client accounts and implements trades for the accounts based on the model portfolio of investments it receives from BlackRock Investment Management, LLC. Strategic Advisers, Inc. may select investments for an account that differ from BlackRock Investment Management, LLC's model.
Fidelity Portfolio Advisory Service®, BlackRock® Diversified Income Portfolio and Fidelity® Strategic Disciplines are services offered through Strategic Advisers, Inc., a registered investment adviser and a Fidelity Investments Company. Fidelity® Personalized Portfolios may be offered through the following Fidelity Investments companies: Strategic Advisers, Inc., Fidelity Personal Trust Company, FSB ("FPTC"), a federal savings bank, or Fidelity Management Trust Company ("FMTC"). Non-deposit investment products and trust services offered through FPTC and FMTC and their affiliates are not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency, are not obligations of any bank, and are subject to risk, including possible loss of principal. These services provide discretionary money management for a fee.
Brokerage services are provided by Fidelity Brokerage Services LLC, 900 Salem Street, Smithfield, RI 02917. Custody and other services provided by National Financial Services LLC. Both are Fidelity Investment companies and members SIPC, NYSE.
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