Investing for income in retirement
Even though you may no longer have a regular paycheck to rely on when you're retired, you can still earn income by investing.
Personalized investment management
We offer a range of managed, diversified portfolio strategies that can be personalized to reflect your investment preferences. These accounts are managed by experienced investment professionals who follow a disciplined investing process supported by ongoing research.
The Portfolio Advisory Services account offers professional investment management designed to help you reach your goals.
Looking for a targeted stock or bond portfolio built around a specific investment strategy? Our separately managed accounts may be the investment vehicle you are searching for.
Investments that offer the potential for income and growth
Fidelity offers a wide variety of mutual funds and exchange-traded funds (ETFs) that are focused on generating income. We can help you build a portfolio from them that meets your needs for income.
These funds take the guesswork out of required minimum distributions (RMDs)4 by pairing a professionally managed, age-appropriate asset allocation fund with our automated annual RMD withdrawal service.
These funds can provide you with a single investment asset allocation strategy that aligns with your age. These funds make it easier to manage your money while generating income through the use of Fidelity's automatic withdrawal services.
These portfolios emphasize interest and dividend income as a component of total return for a given level of investment. The underlying mutual funds continue to seek growth of capital over the long term.
Bond ETFs are collections of bonds that are traded each day. They can generate income, help diversify your portfolio, and provide inflation protection and tax advantages.
Investments with regular interest payments
Fixed income and bonds
Fidelity offers an extensive selection of bonds, CDs, and money market funds with competitive pricing. They generally pay a return on a fixed schedule, though the amount of the payments can vary.
Bonds make interest payments on a regular schedule and repay the amount the investor paid for the bond at maturity. Interest and principal payments are subject to the creditworthiness of the issuer.
CDs combine regular interest payments with FDIC insurance5 on your investment.
Money market funds are mutual funds that invest in short-term debt securities with low credit risk. They offer low risk and easy access to your money.
Sources of guaranteed income
Annuities are insurance contracts that make regular payments to you either immediately or at some point in the future. You can purchase an annuity to help provide you with guaranteed6 income when you're retired.
These annuities offer guaranteed income for the rest of your life or a set period of time, starting on a date you select.
This annuity offers guaranteed lifetime income and ability to access assets if your plans change.
These annuities offer guaranteed income for the rest of your life or a set period of time that starts within 12 months.
Before investing, consider the investment objectives, risks, charges, and expenses of the fund or annuity and its investment options. Contact Fidelity for a prospectus or, if available, a summary prospectus containing this information. Read it carefully.
Diversification and asset allocation do not ensure a profit or guarantee against loss.
Exchange-traded products (ETPs) are subject to market volatility and the risks of their underlying securities, which may include the risks associated with investing in smaller companies, foreign securities, commodities, and fixed income investments. Foreign securities are subject to interest rate, currency exchange rate, economic, and political risks, all of which are magnified in emerging markets. ETPs that target a small universe of securities, such as a specific region or market sector, are generally subject to greater market volatility, as well as to the specific risks associated with that sector, region, or other focus. ETPs that use derivatives, leverage, or complex investment strategies are subject to additional risks. The return of an index ETP is usually different from that of the index it tracks because of fees, expenses, and tracking error. An ETP may trade at a premium or discount to its net asset value (NAV) (or indicative value in the case of exchange-traded notes). The degree of liquidity can vary significantly from one ETP to another and losses may be magnified if no liquid market exists for the ETP's shares when attempting to sell them. Each ETP has a unique risk profile, detailed in its prospectus, offering circular, or similar material, which should be considered carefully when making investment decisions.
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.
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.
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. A contract’s financial guarantees are solely the responsibility of and are subject to the claims-paying ability of the issuing insurance company.
Investing involves risk, including risk of loss.
Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917