This information is intended to be educational and is not tailored to the investment needs of any specific investor.
Fidelity is not affiliated with Instagram or the Instagram service. Fidelity does not expressly or implicitly adopt or endorse any of the expressions, opinions or content posted by followers or any third parties on our Instagram channel. Fidelity does not control, serve, adopt or endorse any advertising, messages or content that Instagram may publish on its site or on Fidelity's Instagram channel. Fidelity does not adopt or endorse any products, services, advertisements, recommendations or statements, or any other content that may appear on Instagram or on other Instagram-affiliated sites. No part of our Instagram channel is intended to make a recommendation or state a testimonial for or about a security, service or product, or to provide investment, tax or any other advice.
Other Fidelity entities may also publish content on Fidelity's Instagram channel.
Investing Disclaimers:
Fidelity Brokerage Services is not authorized to solicit brokerage products and services outside the U.S. and our Instagram channel is intended for U.S. persons only.
With respect to federal taxation only. Contributions, investment earnings, and distributions may or may not be subject to state taxation.
For a ROTH IRA distribution to be considered qualified, the 5-year aging requirement has to be satisfied, and you must be age 59½ or older or meet one of several exemptions (disability, qualified first-time home purchase, or death among them).
Any non-Fidelity URLs or external websites mentioned on Instagram channel are unaffiliated with Fidelity. Fidelity has not been involved in the preparation of the content supplied at the unaffiliated sites and does not guarantee or assume any responsibility for its content.
The trademarks and/or service marks appearing above are the property of FMR LLC and may be registered.
The third-party trademarks and service marks appearing herein are the property of their respective owners.
Investing involves risk, including risk of loss.
"Fidelity Managed Accounts" or "Fidelity managed accounts" refer to the discretionary investment management services provided through Fidelity Personal and Workplace Advisors LLC (FPWA), a registered investment adviser. These services are provided for a fee. Brokerage services provided by Fidelity Brokerage Services LLC (FBS), and custodial and related services provided by National Financial Services LLC (NFS), each a member NYSE and SIPC. FPWA, FBS, and NFS are Fidelity Investments companies.
Fidelity Go®, Fidelity® Wealth Services, Fidelity Managed FidFolios® and Fidelity® Strategic Disciplines are advisory services offered by Fidelity Personal and Workplace Advisors LLC (FPWA), a registered investment adviser, for a fee. Fidelity® Strategic Disciplines includes the Fidelity® Limited Duration Municipal Strategy, the Fidelity® Limited Duration Bond Strategy, the Fidelity® Intermediate Municipal Strategy, the Fidelity® Core Bond Strategy, the Breckinridge Limited Duration Municipal Strategy, the Breckinridge Intermediate Municipal Strategy, the Fidelity® U.S. Total Market Index Strategy, the Fidelity® U.S. Low Volatility Index Strategy, the Fidelity® Environmental Focus Strategy, the Fidelity® Dividend Income Strategy, the Fidelity® U.S. Large Cap Strategy, the Fidelity® U.S. Large Cap Index Strategy, the Fidelity® International Strategy, and the Fidelity® International Index Strategy. Fidelity Managed FidFolios® includes the U.S. Total Market Index Strategy, the U.S. Low Volatility Index Strategy, the Environmental Focus Strategy, the Dividend Income Strategy, the U.S. Large Cap Strategy, the U.S. Large Cap Index Strategy, the International Strategy, and the International Index Strategy. Personalized Portfolios accounts are discretionary investment management accounts offered through Fidelity® Wealth Services. Brokerage services provided by Fidelity Brokerage Services LLC (FBS), and custodial and related services provided by National Financial Services LLC (NFS), each a member NYSE and SIPC. FPWA, FBS and NFS are Fidelity Investments companies.
Past performance is no guarantee of future results.
Health Savings Account - General Disclosure
The information provided herein is general in nature. It is not intended, nor should it be construed, as legal or tax advice. Because the administration of an HSA is a taxpayer responsibility, you are strongly encouraged to consult your tax advisor before opening an HSA. You are also encouraged to review information available from the Internal Revenue Service (IRS) for taxpayers, which can be found on the IRS website at . You can find IRS Publication 969, *Health Savings Accounts and Other Tax-Favored Health Plans*, and IRS Publication 502, *Medical and Dental Expenses*, online, or you can call the IRS to request a copy of each at 800-829-3676.
Diversification and asset allocation do not ensure a profit or guarantee against loss.
Fidelity has developed a series of salary multipliers in order to provide participants with one measure of how their current retirement savings might be compared to potential income needs in retirement. The salary multiplier suggested is based solely on your current age. In developing the series of salary multipliers corresponding to age, Fidelity assumed age-based asset allocations consistent with the equity glide path of a typical target date retirement fund, a 15% savings rate, a 1.5% constant real wage growth, a retirement age of 67 and a planning age through 93. The replacement annual income target is defined as 45% of pre-retirement annual income and assumes no pension income. This target is based on Consumer Expenditure Survey (BLS), Statistics of Income Tax Stat, IRS tax brackets and Social Security Benefit Calculators. Fidelity developed the salary multipliers through multiple market simulations based on historical market data, assuming poor market conditions to support a 90% confidence level of success.
These simulations take into account the volatility that a typical target date asset allocation might experience under different market conditions. Volatility of the stocks, bonds and short-term asset classes is based on the historical annual data from 1926 through the most recent year-end data available from Ibbotson Associates, Inc. Stocks (domestic and foreign) are represented by Ibbotson Associates SBBI S&P 500 Total Return Index, bonds are represented by Ibbotson Associates SBBI U.S. Intermediate Term Government Bonds Total Return Index, and short term are represented by Ibbotson Associates SBBI 30-day U.S. Treasury Bills Total Return Index, respectively. It is not possible to invest directly in an index. All indices include reinvestment of dividends and interest income. All calculations are purely hypothetical and a suggested salary multiplier is not a guarantee of future results; it does not reflect the return of any particular investment or take into consideration the composition of a participant’s particular account. The salary multiplier is intended only to be one source of information that may help you assess your retirement income needs. Remember, past performance is no guarantee of future results. Performance returns for actual investments will generally be reduced by fees or expenses not reflected in these hypothetical calculations. Returns also will generally be reduced by taxes.
Before investing, consider the investment objectives, risks, charges, and expenses of the mutual fund, exchange-traded fund, 529 plan, Attainable Savings Plan, or annuity and its investment options. Contact Fidelity for a prospectus, offering circular, Fact Kit, disclosure document, or, if available, a summary prospectus containing this information. Read it carefully.
Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917
