Investing for income in retirementEven though you may no longer have a regular paycheck to rely on when you're retired, you can still earn income by investing. |
Personalized investment management
Managed accounts1
We offer a range of managed, diversified portfolio strategies that can be personalized to reflect your investment preferences. These accounts are managed by experienced investment professionals who follow a disciplined investing process supported by ongoing research.
Personalized Portfolios accounts2
The Personalized Portfolios account offers professional investment management designed to help you reach your goals.
Looking for a targeted stock or bond portfolio built around a specific investment strategy? Our separately managed accounts may be the investment vehicle you are searching for.
Investments that offer the potential for income and growth
Mutual funds
Fidelity offers a wide variety of mutual funds and exchange-traded funds (ETFs) that are focused on generating income. We can help you build a portfolio from them that meets your needs for income.
Fidelity Simplicity RMD FundsSM
These funds take the guesswork out of required minimum distributions (RMDs)4 by pairing a professionally managed, age-appropriate asset allocation fund with our automated annual RMD withdrawal service.
Fidelity Managed Retirement Funds
These funds can provide you with a single investment asset allocation strategy that aligns with your age. These funds make it easier to manage your money while generating income through the use of Fidelity's automatic withdrawal services.
Fidelity Fund Portfolios – Income
These portfolios emphasize interest and dividend income as a component of total return for a given level of investment. The underlying mutual funds continue to seek growth of capital over the long term.
ETFs
Bond ETFs are collections of bonds that are traded each day. They can generate income, help diversify your portfolio, and provide inflation protection and tax advantages.
Investments with regular interest payments
Fixed income and bonds
Fidelity offers an extensive selection of bonds, CDs, and money market funds with competitive pricing. They generally pay a return on a fixed schedule, though the amount of the payments can vary.
Bonds make interest payments on a regular schedule and repay the amount the investor paid for the bond at maturity. Interest and principal payments are subject to the creditworthiness of the issuer.
CDs combine regular interest payments with FDIC insurance5 on your investment.
Money market funds are mutual funds that invest in short-term debt securities with low credit risk. They offer low risk and easy access to your money.
Sources of guaranteed income
Annuities
Annuities are insurance contracts that make regular payments to you either immediately or at some point in the future. You can purchase an annuity to help provide you with guaranteed6 income when you're retired.
These annuities offer guaranteed income for the rest of your life or a set period of time, starting on a date you select.
New York Life Clear Income Advantage Fixed Annuity–FP Series
This annuity offers guaranteed lifetime income and ability to access assets if your plans change.
Immediate fixed income annuities
These annuities offer guaranteed income for the rest of your life or a set period of time that starts within 12 months.
