Retirement income planning
Managing money in retirement
Creating a straightforward retirement income plan
Fidelity can help you build a plan to generate income—a plan that gives you the opportunity to grow your savings and create a cash flow that lasts. These are the key pieces of a retirement income plan:
Investments that can help you generate income
We offer a wide variety of income-focused investment options and can work with you to help you create a portfolio that meets your needs.
- Mutual funds and exchange-traded funds (ETFs) that seek to generate income as well as potential for long-term growth.
- Individual bonds and certificates of deposit (CDs) offer the potential for regular income payments.
- Annuities are insurance contracts that make guaranteed payments now or in the future.2
Additional retirement resources
Investing involves risk, including risk of loss.
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Annuity guarantees are subject to the claims-paying ability of the issuing insurance company.
Tax-smart (i.e., tax-sensitive) investing techniques, including tax-loss harvesting, are applied in managing certain taxable accounts on a limited basis, at the discretion of the portfolio manager, primarily with respect to determining when assets in a client's account should be bought or sold. Assets contributed may be sold for a taxable gain or loss at any time. There are no guarantees as to the effectiveness of the tax-smart investing 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.
A distribution from a Roth IRA is tax-free and penalty-free, provided the 5-year aging requirement has been satisfied and one of the following conditions is met: age 59½, disability, qualified first-time home purchase, or death.
Fidelity does not provide legal or tax advice. The information herein is general and educational in nature and should not be considered legal or tax advice. Tax laws and regulations are complex and subject to change, which can materially impact investment results. Fidelity cannot guarantee that the information herein is accurate, complete, or timely. Fidelity makes no warranties with regard to such information or results obtained by its use, and disclaims any liability arising out of your use of, or any tax position taken in reliance on, such information. Consult an attorney or tax professional regarding your specific situation.
Before investing in any mutual fund or exchange-traded fund, you should consider its investment objectives, risks, charges, and expenses. Contact Fidelity for a prospectus, offering circular or, if available, a summary prospectus containing this information. Read it carefully.