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A deferred fixed annuity is an investment that provides a guaranteed interest rate, with no taxes until you withdraw.
A deferred fixed annuity1 is a contract with an insurance company that guarantees a specific fixed interest rate on your investment over a set period of time, generally 3 to 10 years. This type of annuity may be a fit for investors looking to protect a portion of their retirement savings from the effects of market volatility while locking in a competitive rate of return with minimal risk for that portion.
With some deferred fixed annuities, you can take annual withdrawals of up to 10% of your contract value without incurring a surrender charge.
Annuity guarantees are subject to the claims-paying ability of the issuing insurance company. Since an annuity's guarantees are only as strong as the insurance company providing them, you should consider the strength of the company you select and its ability to meet future obligations. Financial strength ratings of the providers on The Fidelity Insurance Network® are available from your Fidelity representative on each company's profile and on Fidelity.com.
