Fidelity Personal Retirement Annuity
Investment Model Portfolios

Fidelity Personal Retirement Annuity provides 56 portfolios for its investment options. IMPORTANT NOTE: because MyPlanIQ does not have Fidelity VIP fund data, all of these funds are substituted by their Fidelity Advisor equivalents. We believe the Fidelity Advisor funds should closely track their VIP fund correspondents.

Plan investment options

Total Available Funds: 56
Asset Class Ticker Description Rating Expense
REAL ESTATE
REAL ESTATE FHEIX Fidelity Advisor Real Estate 1.07%
Emerging Market
DIVERSIFIED EMERGING MKTS LZEMX Lazard Retirement Emerging Markets Equity 1.07%
DIVERSIFIED EMERGING MKTS MGEMX Morgan Stanley Emerging Markets Equity 0.95%
DIVERSIFIED EMERGING MKTS FIMKX Fidelity Advisor Emerging Markets 1.01%
INTERNATIONAL EQUITY
Foreign Large Blend FAOIX Fidelity Advisor Overseas 1.11%
Foreign Large Growth FCPIX Fidelity Advisor International Cap Apprec 1.06%
WORLD STOCK AWSAX Invesco Global Core Equity 0.98%
Foreign Large Blend FSPSX Fidelity Spartan Intl Idx Advtg 0.03%
COMMODITIES
COMMODITIES BROAD BASKET PCRPX PIMCO Commodity Real Return Strategy 1.96%
Others
Target Date 2021-2025 FITWX Fidelity Advisor Investor Freedom 2025 1.11%
Target Date 2011-2015 FFVIX Fidelity Advisor Investor Freedom 2015 1.03%
Target Date 2016-2020 FDIFX Fidelity Advisor Investor Freedom 2020 1.07%
Target Date 2026-2030 FEFIX Fidelity Advisor Investor Freedom 2030 1.16%
Retirement Income FIAFX Fidelity Advisor Investor Freedom Income 0.47%
Target Date 2000-2010 FFIVX Fidelity Advisor Investor Freedom 2005 0.97%
Moderate Allocation FAIOX Fidelity Advisor Balanced 1.57%
Aggressive Allocation FEYIX Fidelity Advisor Asset Manager: Growth 1.23%
Utilities FUGIX Fidelity Advisor Utilities 0.76%
Equity Energy FANIX Fidelity Advisor Energy 1.05%
World Allocation MDLOX BlackRock Global Allocation 0.84%
Industrials FCLIX Fidelity Advisor Industrials 1.02%
Health FHCIX Fidelity Advisor Health Care 1.72%
Technology FATIX Fidelity Advisor Technology 1.21%
Consumer Discretionary FSCPX Fidelity Advisor Consumer Discretionary 0.76%
Conservative Allocation FTIWX Fidelity Advisor FundsManager 20 0.82%
Moderate Allocation FAAIX Fidelity Advisor FundsManager 70 0.97%
Financial FFSIX Fidelity Advisor Financial Services 1.28%
Moderate Allocation FFIMX Fidelity Advisor FundsManager 50 0.91%
Consumer Staples FDAGX Fidelity Advisor Consumer Staples 1.01%
Moderate Allocation FSNIX Fidelity Advisor Asset Manager 1.24%
Natural Resources FMFEX Fidelity Advisor Materials 0.76%
Communications FTUIX Fidelity Advisor Telecommunications 1.13%
World Allocation MBAAX Morgan Stanley Inst Global Strategist 0.72%
ROOT CASH Fidelity Advisor Money Market NA
FIXED INCOME
Intermediate-Term Bond PTTRX PIMCO Total Return 0.83%
High Yield Bond SPHIX Fidelity High Income 1.16%
Short-Term Bond PTLDX PIMCO Low Duration 1.05%
Multisector Bond FSRIX Fidelity Advisor Strategic Income 0.98%
Inflation-Protected Bond PRRIX PIMCO Real Return 1.37%
Intermediate-Term Bond FBNDX Fidelity Advisor Investment Grade Bond 0.76%
Bank Loan FFRAX Fidelity Advisor Floating Rate Hi Income 0.97%
Intermediate Government FKUSX Franklin Templeton U.S. Government Fund 1.12%
WORLD BOND TGBAX Franklin Templeton Global Bond Securities Fund 0.64%
Intermediate-Term Bond FXNAX Fidelity Spartan US Bond Idx Advtg 0.03%
US EQUITY
LARGE GROWTH FCNTX Fidelity Advisor Contrafund 0.55%
SMALL BLEND FSCIX Fidelity Advisor Disciplined Small Cap 2.15%
LARGE GROWTH FAGCX Fidelity Advisor Growth Opportunities 1.65%
LARGE GROWTH FGIOX Fidelity Advisor Growth & Income 1.15%
MID-CAP BLEND FASOX Fidelity Advisor Value Strategies 0.75%
LARGE GROWTH FDCAX VIP Dynamic Capital Appreciation. 0.83%
LARGE VALUE EQPIX Fidelity Advisor Equity-Income 0.65%
Mid-Cap Growth FMCCX Fidelity Advisor Mid Cap 1.22%
MID-CAP VALUE FVIFX Fidelity Advisor Value 1.9%
MID-CAP BLEND FSMAX Fidelity Spartan Extnd Mkt Idx Advtg 0.03%
LARGE BLEND FSKAX Fidelity Spartan Total Mkt Idx Advtg 0.01%
LARGE BLEND FXAIX Fidelity Advisor Index 500 0.02%
Average Expense Ratio: 0.98%

The following is a moderate-risk model portfolio constructed from the investment options of Fidelity Personal Retirement Annuity.

This portfolio is proactively monitored and rebalanced on a monthly basis when needed, ensuring it remains in line with its target allocation. We offer customization features, allowing subscribers to tailor the portfolio to align with their own risk tolerance and return expectations by changing risk profile parameter.

Our model portfolio is rooted in the MyPlanIQ Asset Allocation Composite (AAC) strategy. This dynamic (tactical) asset allocation and quantitative fund selection algorithm prioritize risk management by dynamically adjusting stock allocations based on prevailing asset momentum. Extensive research has shown that this momentum-based tactical approach can potentially reduce temporary losses while maintaining or outperforming traditional buy-and-hold strategies.

Both historical back test and real-time portfolio return and risk data are shown in the table on this page. These metrics are compared with stock and moderate allocation index funds.

Furthermore, subscribers have the option to explore alternative strategies such as Strategic Asset Allocation Optimal (SAA) and Tactical Asset Allocation (TAA) to further customize their model portfolio. See our investment methodology for more details on the investment strategies



Puzzled on what to invest?

  • We ask a few questions to decide your personal return and risk expectations
  • We build a custom portfolio for your plan (401(k), 403(b), 529 ...) or for a  brokerage account
  • We monitor and send timely rebalance emails on what investment funds to buy and sell