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Fidelity Personal Retirement Annuity C Shares
Fidelity Personal Retirement Annuity C Shares Strategic Asset Allocation - Optimal Moderate
Fidelity Personal Retirement Annuity C Shares Strategic Asset Allocation - Optimal Moderate
live (public) 0.15% January 08
Delayed
Holdings (As of 10/31/2024)
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| Asset | Fund in this portfolio | Price change* | Original Fund Description | Percentage |
|---|---|---|---|---|
| General Bond | FBNDX (FIDELITY INVESTMENT GRADE BOND FUND FIDELITY INVESTMENT GRADE BOND FUND) | 0.14% | Fidelity V5 Investment Grade Bond Inv | 38.36% |
| US Equity | FCNTX (Fidelity Contrafund) | 2.41% | Fidelity V2 Contrafund Inv | 12.55% |
| US Equity | EQPGX (FIDELITY ADVISOR EQUITY GROWTH FUND CLASS I) | 2.53% | Fidelity V4 Growth Stk Inv | 12.07% |
| Real Estate | FRESX (FIDELITY REAL ESTATE INVESTMENT PORTFOLIO FIDELITY REAL ESTATE INVESTMENT PORTFOLIO) | 1.61% | Fidelity V4 Real Estate Inv | 8.48% |
| Emerging Market Equity | LZEMX (LAZARD EMERGING MARKETS EQUITY PORTFOLIO INSTITUTIONAL SHARES) | 1.14% | Lazard Return Emerging Markets Equity Svc | 10.02% |
| International Equity | FCPIX (FIDELITY ADVISOR INTERNATIONAL CAPITAL APPRECIATION FUND CLASS I) | 1.33% | Fidelity V4 International Capital App Inv R | 18.52% |
* Day change on 10/31/2024.
Previous
Beta
Performance (As of 01/08/2025)
Since 12/31/2000
| Name | YTD* Return |
1Yr AR** |
3Yr AR** |
5Yr AR** |
10Yr AR** |
15Yr AR** |
|---|---|---|---|---|---|---|
| Fidelity Personal Retirement Annuity C Shares Strategic Asset Allocation - Optimal Moderate | 3.8% | 25.1% | 1.3% | 6.8% | 5.2% | 6.6% |
| VFINX (Vanguard (S&P 500) Index) | 6.7% | 21.6% | 20.9% | 12.9% | 15.0% | 14.4% |
| VBINX (Vanguard Balance (60% stocks/40% bonds) | 5.7% | 16.5% | 14.2% | 7.4% | 9.5% | 9.3% |
* YTD: Year to Date
** AR: Annualized Return
** portfolio AR is delayed
| Last 1 Week* | 1 Yr | 3 Yr | 5 Yr | 10 Yr | 15 Yr | 20 Yr | Since 01/02/2001 |
2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2007 | 2006 | 2005 | 2004 | 2003 | 2002 | 2001 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Annualized Return(%) | -1.2 | 25.1 | 1.3 | 6.8 | 5.2 | 6.6 | 6.4 | 6.7 | 0.2 | 7.2 | 12.7 | -16.5 | 6.8 | 19.9 | 21.5 | -14.8 | 12.8 | 7.1 | -0.5 | 4.4 | 9.1 | 14.4 | -2.4 | 15.8 | 34.5 | -30.3 | 8.5 | 15.6 | 10.9 | 14.7 | 30.2 | -2.4 | 4.4 |
| Sharpe Ratio | NA | 0.21 | -0.29 | 0.22 | 0.3 | NA | NA | 0.47 | 0.03 | 0.07 | 1.01 | -1.32 | 0.78 | 1.06 | 2.95 | -1.02 | 2.66 | 0.8 | -0.07 | 0.65 | 1.45 | 1.91 | -0.16 | 1.19 | 1.71 | -1.43 | 0.55 | 1.63 | 1.38 | 1.72 | 4.12 | -0.39 | 0.22 |
| Draw Down(%) | NA | 6.4 | 21.7 | 24.1 | 24.1 | NA | NA | 44.0 | 0.6 | 6.4 | 7.8 | 22.9 | 5.5 | 22.7 | 3.2 | 21.0 | 2.1 | 7.7 | 8.2 | 6.0 | 7.0 | 6.4 | 15.0 | 10.8 | 18.1 | 39.6 | 8.1 | 8.6 | 5.1 | 9.2 | 5.9 | 15.3 | 12.5 |
| Standard Deviation(%) | NA | 8.3 | 10.4 | 12.2 | 11.0 | NA | NA | 11.4 | 6.7 | 8.4 | 8.4 | 13.6 | 8.7 | 18.5 | 6.8 | 15.7 | 4.6 | 8.6 | 8.2 | 6.8 | 6.3 | 7.5 | 15.1 | 13.2 | 20.1 | 21.9 | 10.1 | 7.6 | 6.3 | 8.0 | 7.2 | 8.9 | 9.5 |
| Treynor Ratio | NA | 0.03 | -0.06 | 0.05 | 0.06 | NA | NA | 0.1 | 0.0 | 0.01 | 0.16 | -0.34 | 0.12 | 0.39 | 0.41 | -0.31 | 0.24 | 0.12 | -0.01 | 0.08 | 0.18 | 0.26 | -0.04 | 0.22 | 0.48 | -0.61 | 0.1 | 0.2 | 0.17 | 0.25 | 0.89 | -0.12 | 0.06 |
| Alpha | NA | -0.03 | -0.02 | -0.01 | -0.01 | NA | NA | 0.01 | -0.02 | -0.03 | -0.01 | -0.03 | -0.03 | 0.04 | 0.03 | -0.05 | 0.01 | 0.0 | 0.0 | -0.01 | -0.02 | 0.03 | -0.01 | 0.02 | 0.06 | -0.05 | 0.02 | 0.02 | 0.03 | 0.03 | 0.07 | 0.02 | 0.03 |
| Beta | NA | 0.57 | 0.53 | 0.52 | 0.52 | NA | NA | 0.52 | 0.47 | 0.58 | 0.55 | 0.52 | 0.57 | 0.5 | 0.48 | 0.52 | 0.51 | 0.6 | 0.48 | 0.54 | 0.5 | 0.55 | 0.62 | 0.7 | 0.71 | 0.51 | 0.58 | 0.63 | 0.5 | 0.56 | 0.33 | 0.29 | 0.37 |
| RSquared | NA | 0.75 | 0.8 | 0.84 | 0.73 | NA | NA | 0.78 | 0.97 | 0.75 | 0.73 | 0.85 | 0.75 | 0.89 | 0.79 | 0.34 | 0.57 | 0.83 | 0.85 | 0.83 | 0.79 | 0.87 | 0.92 | 0.92 | 0.92 | 0.91 | 0.84 | 0.69 | 0.66 | 0.6 | 0.62 | 0.71 | 0.72 |
| Sortino Ratio | NA | 0.29 | -0.4 | 0.3 | 0.38 | NA | NA | 0.64 | 0.04 | 0.1 | 1.51 | -1.79 | 1.1 | 1.38 | 4.43 | -1.11 | 4.17 | 1.11 | -0.1 | 0.92 | 2.02 | 2.91 | -0.21 | 1.7 | 2.55 | -1.81 | 0.73 | 2.45 | 2.06 | 2.44 | 6.57 | -0.54 | 0.3 |
| Yield(%) | N/A | 1.3 | 2.0 | 3.2 | 3.4 | 4.5 | 6.7 | 4.07 | N/A | 1.3 | 2.8 | 2.4 | 2.7 | 5.4 | 3.2 | 2.6 | 0.5 | 3.1 | 4.0 | 4.0 | 3.1 | 3.2 | 2.0 | 3.5 | 3.6 | 3.8 | 9.8 | 9.9 | 7.4 | 4.9 | 3.6 | 3.4 | 4.2 |
| Dividend Growth(%) | N/A | -49.8 | -35.2 | 46.1 | 0.3 | N/A | N/A | N/A | N/A | -49.8 | -1.2 | -4.6 | -41.5 | 110.2 | 4.5 | 528.8 | -83.8 | -23.6 | 3.9 | 37.3 | 13.5 | 53.3 | -33.0 | 30.0 | -34.0 | -57.8 | 12.9 | 51.6 | 71.1 | 77.9 | 2.9 | -14.5 | N/A |
*: NOT annualized;YTD: Year to Date
**Inception: starting from 12/31/2000
Portfolio Description
This model portfolio uses Strategic Asset Allocation - Optimal
strategy. Asset weights of available asset classes
in Fidelity Personal Retirement Annuity C Shares are derived based on long term asset trends and their correlations.
For each major asset class, one or two funds are selected:
1. Risk allocation: the risk profile of this portfolio is 40.
The total allocation of the fixed income asset should be at least 40%.
2. Asset weights:
3. Fund selection: one or two top performing funds among 45 available funds in the plan are chosen for each asset.
They are usually equally weighted within the asset by default. Volatile funds or ETFs with small trading volume are ignored.
4. Rebalance frequency: the portfolio is reviewed by the strategy program monthly
and the above steps are repeated. Asset weights are rebalanced back to target allocation if it is necessary.
5.
Simulation: Performance data before this portfolio went public are obtained from historical simulation. They are hypothetical.
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