Fundamentals of Investing

1. Data Source: Ibbotson Associates, 2006 (1926–2005). Past performance is no guarantee of future results. Returns include the reinvestment of dividends and other earnings. This chart is for illustrative purposes only and does not represent actual or implied performance of any investment option. Stocks are represented by the Standard & Poor’s 500 Index (S&P 500®). The S&P 500® is a registered service mark of The McGraw-Hill Companies, Inc., and is a widely recognized, unmanaged index of 500 US common stocks. Bonds are represented by the US Intermediate Government Bond Index, which is an unmanaged index that includes the reinvestment of interest income. instruments are represented by US Treasury bills, which are backed by the full faith and credit of the US government. It is not possible to invest directly in an index. Stock prices are more volatile Short-term than those of other securities. Government bonds and corporate bonds have more moderate short-term price fluctuation than stocks but provide lower potential long-term returns. US Treasury bills maintain a stable value (if held to maturity), but returns are generally only slightly above the inflation rate. Foreign Stocks are represented by the Morgan Stanley Capital International Europe, Australasia, Far East Index for the period from 1970 to the last calendar year. Foreign Stocks prior to 1970 are represented by the S&P 500®.

   The purpose of the hypothetical asset mixes is to show how different asset allocations may be created with different risk and return characteristics to help meet individuals goals. You should choose your own investments based on your particular objectives and situation. Remember that you may change how your account is invested. Be sure to review your decisions periodically to make sure they are still consistent with your goals. You should also consider any investments you may have other retirement savings when making your investment choices. These target asset mixes were developed by Strategic Advisers, Inc., a registered investment adviser and Fidelity Investments company, based on the needs of a typical retirement investor.

   The minimum automatic contribution is $200 per month ($600 per quarter). Non-Fidelity funds and certain Fidelity funds are not eligible.

2. The minimum automatic contribution is $200 per month ($600 per quarter). Non-Fidelity funds and certain Fidelity funds are not eligible.
   
3. This hypothetical example illustrates the future value of regular monthly investments for periods of time and assumes an average annual return of 7%. This does not reflect an actual investment and does not reflect any actual return. Return will vary, and different investments may perform better or worse than this example. Periodic investment plans do not ensure a profit and do not protect against a loss in a declining market.
4. 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 objectives, risk tolerance, financial situation and your evaluation of the security.

* Strategic Advisers, Inc. is adjusting its target asset mixes, as of November, 2009, to increase the percentage of international equity to 30% of the overall equity portion of each target asset mix.

Fidelity Freedom Funds are managed by Strategic Advisers, Inc., a subsidiary of FMR LLC.

Before investing, consider the fund’s investment objectives, risks, charges, and expenses. Contact Fidelity for a prospectus containing this information. Read it carefully.