Fidelity Freedom Funds —
An All-in-One Approach for Simple Investing


Not sure how to invest for retirement? It may be easier than you think. Fidelity Freedom Funds offer a single-fund approach to choosing and managing your workplace savings plan investments. Each fund offers a lifetime investment strategy, a diversified portfolio that balances risk and potential reward over time, and ongoing professional management.


Which Fidelity Freedom Fund may be right for me?
All you need to know is the approximate year in which you plan to retire. For example, the Fidelity Freedom 2030 Fund may make sense for someone who plans to retire in or around the year 2030. It’s that simple.*

How do I invest in a Fidelity Freedom Fund?
To change your investments, log on to Fidelity NetBenefits.

  • If you want to invest future contributions, visit “Investment Elections.”
  • If you want to move current savings, visit “Exchanges” or “Rebalance.”

Simply find the Fidelity Freedom Fund with the target retirement date closest to your expected retirement year, fill in the percentage box, and confirm your elections or any changes.

How do Fidelity Freedom Funds work?
If you’re just starting out, building wealth is likely your main goal. But as you approach retirement, generating income and preserving capital become the priorities. When you invest in a Fidelity Freedom Fund, you automatically get an investment mix of stocks, bonds, and short-term investments that gradually becomes more conservative as the fund approaches its target retirement year and beyond.

Snapshot of three Fidelity Freedom Funds today

Target asset allocation for March 31, 2012. Total allocations may be over or under 100% due to rounding. Keep in mind that fund availability varies by plan. Strategic Advisers, Inc., a subsidiary of FMR LLC, manages the Fidelity Freedom Funds.

Before investing in any mutual fund, please carefully consider the investment objectives, risks, charges and expenses. For this and other information, call or write Fidelity for a free prospectus or, if available, a summary prospectus. Read it carefully before you invest.
Keep in mind that neither diversification nor asset allocation ensures a profit or guarantees against loss.

Fidelity Freedom Funds are designed for investors expecting to retire around the year indicated in each fund’s name. The funds are managed to gradually become more conservative over time. The investment risk of each Fidelity Freedom Fund changes over time as its asset allocation changes. The funds are subject to the volatility of the financial markets, including that of equity and fixed-income investments in the U.S. and abroad, and may be subject to risks associated with investing in high-yield, small-cap, commodity-linked, and foreign securities. Principal invested is not guaranteed at any time, including at or after the funds’ target dates.

It is your responsibility to select and monitor your investments to make sure they continue to reflect your financial situation, risk tolerance, and time horizon. Most investment professionals suggest that you reexamine your investment strategy at least annually or when your situation changes. In addition, you may want to consult an investment advisor regarding your specific situation.

Unless otherwise noted, transaction requests confirmed after the close of the market, normally 4 p.m. Eastern time, or on weekends or holidays, will receive the next available closing prices.

Portfolio Review is an educational tool. You should not rely on the tool as the primary basis for your investment, financial, or tax-planning decisions. Please consult your tax or investment advisor, if applicable.

The investment options available through the plan reserve the right to modify or withdraw the exchange privilege.

*You can also consider a fund with a different target date if you want to invest either more conservatively or more aggressively based on your financial goals.

Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917

2012 FMR LLC. All rights reserved.


Ready to invest in a Fidelity Freedom Fund? 

Want to be more involved in choosing and managing your investments, but you’re looking for suggestions from Fidelity? 

  • Visit Portfolio Review for investment suggestions based on your investing style.