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.
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