Save more for retirement.
The low-cost, tax-deferred* variable annuity—at Fidelity
The Fidelity Personal Retirement Annuity® 1
F;;Low annual annuity costs2
F;;Any earnings not taxed until withdrawn
F;; The ability to invest as much as you want — no contribution limits3
F;; An array of investment options, including many rated highly by Morningstar4
Talk with an Annuity Specialist today
Withdrawals of taxable amounts from an annuity are subject to ordinary income tax, and, if taken before age 59½, may be subject to a
10% IRS penalty.
The tax information contained herein is general in nature, is provided for informational purposes only, and should not be construed as legal or tax advice. Fidelity does
not provide legal or tax advice. Always consult an attorney or tax professional regarding your specific legal or tax situation.
1 Fidelity Personal Retirement Annuity® (Policy Form No. DVA-2005, et al.) and, for New York residents, Personal Retirement Annuity (Policy Form No. EDVA-2005, et al.).
Fidelity Brokerage Services, Member NYSE, SIPC, and Fidelity Insurance Agency, Inc., are the distributors.
2Fidelity Personal Retirement Annuity’s annual annuity charge is 0.25%. Contracts purchased with an initial purchase payment of $1 million or more will qualify for a
reduced annual annuity charge of 0.10% (the initial purchase payment is the amount applied to the contract on the contract date). Underlying fund fees also apply.
3 Fidelity reserves the right to limit contributions.
4 Highly rated funds include funds rated with 4 or 5 stars by Morningstar. Morningstar ratings are based on a fund’s risk-adjusted returns. The top 10% of funds in each
broad asset class receive 5 stars, the next 22.5% receive 4 stars, the next 35% receive 3 stars, the next 22.5% receive 2 stars and the bottom 10% receive 1 star. Past
performance is no guarantee of future results.
Annuities are subject to investment risk. Your principal value may decline.
Before investing, consider the investment objectives, risks, charges and expenses of the annuity and its investment options.
Call Fidelity or visit Fidelity.com for a free prospectus and, if available, summary prospectus containing this information.
Read it carefully.
Fidelity insurance products 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. The contract’s
financial guarantees are solely the responsibility of the issuing insurance company.