Fidelity Retirement Income Fund

Our Retirement Income Fund is designed to tackle the risks to your clients’ retirement income – longevity, inflation, asset allocation and excessive withdrawal rates. It offers a diversified portfolio, made up of equities, property securities, bonds and commodities*.

Fidelity’s Retirement Income Fund is designed to offer the potential for income to grow over time, by including equities and commodity exposure*.

In addition, investors can access their capital at any time and can leave their investment as an inheritance.

Asset allocation at launch

pie chart for asset alloctaion at launch

For illustrative purposes only. Actual allocation may vary.

Key benefits

Designed to protect investors against the five key retirement income risks
A diversified portfolio investing in bonds, equities, property securities, and commodities
Designed and managed to provide a sustainable income for life, with potential to rise over time
Provides exposure to growth assets to reduce impact of inflation and increase portfolio longevity
Provides investors with flexibility and control over retirement assets unlike many traditional retirement products
Professionally managed by Fidelity’s Investment Strategies Group

	Important information regarding these funds

Two income options

	Regular Withdrawal Facility - offers a flexible income by capital withdrawal which investors can choose to take monthly, quarterly, semi-annual or annual withdrawals

	Distributing share class - offers a 4% annual income, with the potential for this to increase over time, paid directly into their bank account.

* Fidelity Retirement Funds will gain exposure to commodities by purchasing futures contracts on a commodities index. These versatile instruments give us exposure to a range of individual commodities in much the same way as a mutual fund would provide exposure to a variety of individual company stocks.
† PDF format - you will need Adobe Reader to view this.