You've spent years working and saving for retirement. Now you need a plan for managing your savings that meets your needs for income, growth, and flexibility. We can help you choose investments, see how much you'll need for health care and other expenses, and create a tax-sensitive withdrawal strategy to generate income in retirement. Having a plan can help give you peace of mind today—and in the future.
Managing income and investments in retirement
You have a new goal—making your money last a lifetime.
These are the key pieces of a retirement investment plan.
As you retire, you may be looking for investments that can help you generate income. Fidelity offers a wide variety of income-focused investment options and we can work with you to help you create a portfolio that meets your needs.
- Mutual funds and exchange-traded funds (ETFs) seek to generate income as well as potential for long-term growth.
- Individual bonds, certificates of deposit (CDs), and money market funds offer the potential for regular income payments.
- Annuities are insurance contracts that make guaranteed payments now or in the future.†
Get the most our of your retirement savings with tax-efficient withdrawals.
Required minimum distributions (RMDs)
Learn what RMDs are, what they mean for you, and how to withdraw from your savings.
Use our free online service that guides you through the estate planning process.
Use our calculator to help you determine when to begin taking Social Security benefits.
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You could lose money by investing in a money market fund. An investment in a money market fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Before investing, always read a money market fund’s prospectus for policies specific to that fund.
Investing involves risk, including risk of loss.
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.
Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917