Overview
The Planning & Guidance Center includes functionality previously available in the Retirement Income Planner, Retirement Quick Check, and Portfolio Review tools. If you have used any of those tools-or any other Fidelity planning tools-in the past, the Planning & Guidance Center may include your planning information as a starting point.
About the Planning & Guidance Center
IMPORTANT: The projections or other information generated by the Planning & Guidance Center's Retirement Analysis and College Analysis regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results. Your results may vary with each use and over time.
Unless otherwise agreed to by a Fidelity Investments company in writing, the information provided herein with regard to any workplace savings account or individual retirement account is educational in nature and should not be relied on as a primary basis for your decisions regarding investing in, purchasing or selling securities or other property for these accounts. In applying any asset allocation suggestions to your individual situation, be sure to consider other assets, income and investments (e.g., home equity, savings accounts or other retirement accounts) in addition to these accounts.
IMPORTANT: The Secure Act could impact how you save for retirement and our calculations.
- On February 24, 2022, the IRS proposed new required minimum distribution rules that includes revisions made from the SECURE Act, including regulations that affect inherited IRAs. The information and/or calculation(s) provided may be based on the rules in effect before the proposed regulations are finalized.
- On December 29, 2022, the SECURE 2.0 Act of 2022 was signed into law. The Act contains provisions that became effective immediately as well as provisions that will become effective in the future. The act could have a material impact on your results. We are currently updating our tools in response.
- After December 31, 2025, current tax provisions enacted by the Tax Cuts and Jobs Act (TCJA) will expire. Unless extended, those provisions will revert to what was in effect under pre-2018 tax law, adjusted for cost-of-living adjustments as appropriate. The information and/or calculation(s) provided may be based on the rules currently in effect before the expiration becomes effective. Expiration could have a material impact on your results.
- You are strongly advised to consult your legal and/or tax advisor regarding your personal situation.
In applying asset allocation models or any other results to your individual situation, be sure to consider other assets, income and investments (e.g., home equity, savings accounts or other retirement accounts) in addition to assets designated for this goal. Other investment alternatives having similar risk and return characteristics may be available for this account (or accounts).
The Tool will utilize employer match as provided to us from your employer and illustrated on the Savings Rate tab for our analysis. Your plan may process the employer match in a different manner in your actual account. Check your plan rules for details.
Retirement Analysis, including the Fidelity Retirement Score (FRS), and College Analysis, are based on information you provided and certain assumptions, including market performance assumptions based on hypothetical scenarios using historical index data. Numerous factors make the calculations uncertain, such as the use of assumptions about historical returns and inflation, as well as the data you have provided. Fund fees and other expenses will generally reduce your actual investment returns and are generally not reflected in the hypothetical projections.
Annuity guarantees are subject to the claims paying ability of the issuing insurance company.
For additional information about the Planning & Guidance Center and what you need to know about Fidelity advice, please visit Help & Methodology or contact a Fidelity investment professional.
Keep in mind that investing involves risk. The value of your investment will fluctuate over time and you may gain or lose money.
Fidelity does not provide legal or tax advice. The information herein is general and educational in nature and should not be considered legal or tax advice. Tax laws and regulations are complex and subject to change, which can materially impact investment results. Fidelity cannot guarantee that the information herein is accurate, complete, or timely. Fidelity makes no warranties with regard to such information or results obtained by its use, and disclaims any liability arising out of your use of, or any tax position taken in reliance on, such information. Consult an attorney or tax professional regarding your specific situation.
Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield RI 02917
About Your Account Data
Unless otherwise specifically stated, all account data including account balances, are gathered from multiple sources:
Fidelity Personal Accounts reported as of market close on previous business day.
Fidelity Workplace Accounts reported as of market close on previous business day.
Securities in Equity Compensation accounts are priced real-time for customers that have agreed to the Real-Time Quotes Subscriber Agreements; otherwise, quotes are delayed at least 15 minutes. If the current market price is unavailable or the market is closed, Fidelity will factor in the most recent closing market price to determine the current market value. Select the plan name for a complete description of the values shown. Values may be unvested, and may not reflect withdrawn assets. Please refer to the provisions in your individual Award Agreement and the official stock plan document which govern the terms of your award. The provisions in the Award Agreement and stock plan document supersede any information, including conflicting information, reflected on the website. This value excludes cash based plans and accrued cash dividends, if any.
If you choose to manually enter dollar amounts to assign to a goal, you are responsible for updating those amounts as they change.
NOTICE: Unsettled transactions, margin balances, short positions, and positions held or valued in foreign currency affect account balances, holdings data, and analytical information presented.
Fidelity is not able to verify the accuracy of account information provided via the Full View service or manually entered in this or previous guidance tool interactions. Information regarding accounts that hold positions in, or valued in, foreign currency from your outside accounts is not available in the Tool. For more information, see Full View Terms of Use.
Annuity guarantees are subject to the claims-paying ability of the issuing insurance company.
For more information about how your account data is displayed and utilized, please visit Help & Methodology or contact a Fidelity investment professional.
About Asset Mixes
If you've assigned accounts to a goal, the holdings in those accounts are sorted among several major asset classes, including domestic stocks and foreign stocks (equities), bonds (fixed income), short-term securities (cash, cash equivalents, CDs, money market funds, etc.), unknown, and other. Please note that underlying investments held in a mutual fund, other pooled investment vehicle or subaccount, or a variable annuity are considered individually. They are separated and sorted into whichever asset class they best fit, based on holdings data provided by a third-party vendor. If holdings data is not available, the interest is categorized as "Unknown." The "Other" category includes non-asset class holdings (i.e., identified holdings which cannot be categorized as stocks, bonds or short-term investments). If a large percentage is identified as "Unknown" or "Other," your asset mix assessment may not accurately reflect the current risks inherent in your selected accounts. For manual accounts, you may either enter specific allocations or select from sample asset mixes. A representative model asset mix for the accounts assigned to your goal is then identified based on the percentage of stock holdings in your assigned accounts for comparison to a selected Target Asset Mix (TAM).
Data used to support categorization is provided by third parties as of the most recent date available, which may lag the account data by up to 12 months. This tool cannot guarantee the accuracy or timeliness of data obtained from third parties.
In assessing asset mix, the Fidelity Retirement Planner sorts the holdings in your selected accounts among several major asset classes, including domestic stocks and foreign stocks (equities), bonds (fixed income), short-term securities (cash, cash equivalents, CDs, money market funds, etc.), other, and unknown. Underlying investments held in a mutual fund or other pooled investment vehicle are considered individually. A model asset mix is then identified based on the percentage of stock holdings in your selected accounts:
- Short Term: Stock holdings less than or equal to 10%
- Conservative: Stock holdings between 11-24%
- Moderate With Income: Stock holdings between 25-34%
- Moderate: Stock holdings between 35-44%
- Balanced: Stock holdings between 45-54%
- Growth With Income: Stock holdings between 55-64%
- Growth: Stock holdings between 65-78%
- Aggressive Growth: Stock holdings between 79-92%
- Most Aggressive: Stock holdings between 93-100%
For the plan analysis, if the Fidelity Retirement Planner has identified holdings as "Unknown" or "Other," the stock, fixed income, and short-term allocations are proportionally adjusted to create a normalized mix percentage adding up to 100%. Normalization may result in the identification of a different model asset mix. Please be advised: If an asset class has a net negative value, the normalized asset allocation may have a materially different level of risk and return than that of your actual selected accounts.
If data is available, short and long positions may be represented as a bar chart for review; however, short positions will not be included in the analysis of your plan. Long positions are those reported securities holdings held individually or as underlying investments that were fully paid purchases. Short positions are those reported margin or short positions held individually or as underlying investments that were not fully paid purchases, but instead involved borrowing in order to support the purchase. Note that trades initiated within a money market pending settlement at the close of a calendar month may present as a short position or negative allocation and inadvertently impact the analysis. If you have not previously selected a Target Asset Mix (TAM) for your goal, the Fidelity Retirement Planner may display a time-based option as a starting point for your review.
Past performance is no guarantee of future results. Generally, among asset classes stocks are more volatile than bonds or short-term instruments and can decline significantly in response to adverse issuer, political, regulatory, market, or economic developments. Although the bond market is also volatile, lower-quality debt securities including leveraged loans generally offer higher yields compared to investment grade securities, but also involve greater risk of default or price changes. Foreign markets can be more volatile than U.S. markets due to increased risks of adverse issuer, political, market, or economic developments, all of which are magnified in emerging markets. Asset allocation does not ensure a profit or guarantee against loss.
For more information about your current asset mix and TAMs, please contact your investment professional.
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