Research Annuities

Develop An Investment Strategy

Once you’ve researched and decided which annuity to purchase to meet your specific goals, if you have a variable annuity, the next step is developing an investment strategy. Since your portfolio mix, or asset allocation, may be one of the most important factors in your long-term investment success, you’ll want to consider how to:

  • Allocate your assets to potentially maximize returns while minimizing risk
  • Keep current with the investment styles and approaches to help you meet your goals
  • Navigate the complex markets for equities, fixed-income and short-term investments

Asset allocation is easy with a single fund solution from Fidelity

You can take advantage of automatic diversification1 and professional money management from the experts at Fidelity. The following are Fidelity single fund solutions available to owners of the Fidelity Personal Retirement Annuity® and Fidelity Retirement Reserves® deferred variable annuity products:

Note: The Fidelity VIP Investor Freedom Funds are designed for investors expecting to retire around the year indicated in each fund’s name. Except for Fidelity VIP Investor Freedom Income, each portfolio’s asset allocation strategy becomes increasingly conservative as it approaches the target date and beyond, until it ultimately merges with Fidelity VIP Investor Freedom Income. Principal invested is not guaranteed at any time, including at or after the portfolio’s target date.

Or choose your own investments

If you have the time and interest to develop and maintain your investment strategy, use powerful tools and resources from Fidelity to research, select, and monitor your Fidelity and non-Fidelity fund choices for your annuity investments.

Principal value, income payments, and investment returns of a variable annuity will fluctuate and you may have a gain or loss when money is received or withdrawn.

  1. Neither diversification nor asset allocation ensures a profit or protects against a loss in a declining market.

* Performance for the Fidelity VIP Investor Freedom® Fund Portfolios depends on that of their underlying Fidelity VIP Funds, and for Fidelity VIP FundsManager® Portfolios, their underlying Fidelity or Fidelity VIP Funds. These portfolios are subject to the volatility of the financial markets in the U.S. and abroad, and may be subject to the additional risks associated with investing in high-yield, commodity-linked, small-cap, and foreign securities. Customers should evaluate their own circumstances before selecting a portfolio.

Fidelity annuities are issued by Fidelity Investments Life Insurance Company (FILI), and in New York, by Empire Fidelity Investments Life Insurance Company®, New York, N.Y. FILI is licensed in all states except New York. Some annuities are issued by third-party insurance carriers. The contract’s financial guarantees are solely the responsibility of the issuing insurance company.

Annuities are distributed by Fidelity Brokerage Services, Member NYSE, SIPC This page will open in a popup window.. This page will open in a popup window., and Fidelity Insurance Agency, Inc.

Before investing, consider the investment objectives, risks, charges and expenses of the variable annuity and its investment options. Call or write to Fidelity or visit Fidelity.com for a free prospectus and, if available, summary prospectus containing this information. Read it carefully.

© 1998 – 2012 FMR LLC.

All rights reserved.