Fidelity Personal Retirement Annuity®

Contracts purchased prior to 1/1/2009 and on or after 9/7/2010.

1

The performance data featured represents past performance, which is no guarantee of future results. Investment returns and the principal value of a variable annuity will fluctuate; therefore, you may have a gain or loss when money is withdrawn or received. Fund performance fluctuates and currently may be significantly higher or lower than stated.

The Overall Morningstar Rating for a fund is derived from a weighted average of the performance figures associated with its three-, five-, and ten-year (if applicable) Morningstar Rating metrics, which are based on a risk-adjusted return. The top 10% of funds in each broad asset class receive 5 stars, the next 22.5% receive 4 stars, the next 35% receive 3 stars, the next 22.5% receive 2 stars and the bottom 10% receive 1 star.

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Fidelity
Fund Name
(Symbol, Fund Num)
 
AS OF 09/30/2014 Expense
Ratio
Fund
Inception Date
  
MORNINGSTAR RATINGS (AS OF 09/30/2014)
  1 Year   3 Years   5 Years   10 Years   Life 3 of Fund Investment Category    Overall Ratings   
VIP Investor Freedom 2010 (FCRJT, 9091) +7.28% +10.85% +8.39% -- +5.52% 0.60% 08/03/2005 Target Date 2000-2010 Morningstar Rating 5 stars 5
156 Funds Rated
Exchange VIP Investor Freedom 2010
VIP Growth & Income (FLFNC, 9070) +16.61% +23.70% +15.31% +7.54% +7.00% 0.66% 12/31/1996 Large Blend Morningstar Rating 5 stars 5
6485 Funds Rated
Exchange VIP Growth & Income
VIP Industrials (FBALC, 9082) +10.11% +23.42% +17.12% +11.21% +10.12% 0.80% 07/18/2001 Industrials Morningstar Rating 4 stars 4
79 Funds Rated
Exchange VIP Industrials
VIP Equity-Income (FLOLC, 9061) +14.14% +21.03% +13.73% +6.62% +9.01% 0.65% 10/09/1986 Large Value Morningstar Rating 3 stars 3
6226 Funds Rated
Exchange VIP Equity-Income
VIP Investment Grade Bond (FTLKC, 9063) +3.94% +2.87% +4.56% +4.39% +5.48% 0.45% 12/05/1988 Intermediate-Term Bond Morningstar Rating 5 stars 5
3589 Funds Rated
Exchange VIP Investment Grade Bond
VIP Overseas (FEMMC, 9088) +2.03% +14.82% +7.10% +6.05% +5.72% 0.90% 01/28/1987 Foreign Large Blend Morningstar Rating 4 stars 4
2800 Funds Rated
Exchange VIP Overseas
VIP Telecommunications (FVTAC, 9173) +8.41% +16.38% +12.65% -- +3.46% 1.07% 04/24/2007 Communications Morningstar Rating 5 stars 5
120 Funds Rated
Exchange VIP Telecommunications
VIP Growth Strategies (FQBRC, 9077) +15.10% +20.52% +13.94% +6.71% +3.02% 1.11% 12/27/2000 Mid-Cap Growth Morningstar Rating 3 stars 3
3737 Funds Rated
Exchange VIP Growth Strategies
VIP FundsManager 70 (FMPCC, 9159) +9.11% +14.29% +10.01% -- +5.13% 0.86% 04/13/2006 Aggressive Allocation Morningstar Rating 4 stars 4
1675 Funds Rated
Exchange VIP FundsManager 70
VIP Investor Freedom Income (FBXOT, 9089) +4.45% +5.42% +4.79% -- +4.16% 0.50% 08/03/2005 Retirement Income Morningstar Rating 3 stars 3
43 Funds Rated
Exchange VIP Investor Freedom Income
VIP Disciplined Small Cap (FPRGC, 9148) +5.60% +22.16% +15.00% -- +6.60% 1.01% 12/27/2005 Small Blend Morningstar Rating 5 stars 5
2358 Funds Rated
Exchange VIP Disciplined Small Cap
VIP Growth Opportunities (FIDPC, 9068) +11.26% +22.67% +18.21% +7.89% +7.08% 0.77% 01/03/1995 Large Growth Morningstar Rating 3 stars 3
9026 Funds Rated
Exchange VIP Growth Opportunities
VIP Growth (FMNDC, 9062) +18.43% +23.11% +17.39% +8.08% +9.56% 0.75% 10/09/1986 Large Growth Morningstar Rating 5 stars 5
9026 Funds Rated
Exchange VIP Growth
VIP Floating Rate High Income (FFLCC, 9361) -- -- -- -- -0.22% 0.90% 04/09/2014 Bank Loan -- Exchange VIP Floating Rate High Income
VIP Investor Freedom 2025 (FVIIT, 9094) +9.88% +14.83% +10.64% -- +6.24% 0.70% 08/03/2005 Target Date 2021-2025 Morningstar Rating 5 stars 5
72 Funds Rated
Exchange VIP Investor Freedom 2025
VIP Value Strategies (FRBSC, 9073) +14.53% +24.86% +15.56% +8.20% +8.09% 0.76% 02/20/2002 Mid-Cap Value Morningstar Rating 3 stars 3
2341 Funds Rated
Exchange VIP Value Strategies
VIP FundsManager 20 (FMPAC, 9157) +4.40% +5.09% +4.70% -- +3.98% 0.63% 04/13/2006 Conservative Allocation Morningstar Rating 2 stars 2
3156 Funds Rated
Exchange VIP FundsManager 20
VIP FundsManager 85 (FMPDC, 9160) +10.27% +16.91% +11.15% -- +5.07% 0.96% 04/13/2006 Aggressive Allocation Morningstar Rating 4 stars 4
1675 Funds Rated
Exchange VIP FundsManager 85
VIP Financial Services (FONNC, 9083) +15.91% +24.75% +8.22% +1.11% +1.77% 0.93% 07/18/2001 Financial Morningstar Rating 4 stars 4
244 Funds Rated
Exchange VIP Financial Services
VIP Money Market (FTNJC, 9059) -0.24% -0.20% -0.15% +1.48% +4.30% 0.28% 04/01/1982 Money Market-Taxable -- Exchange VIP Money Market
VIP Consumer Staples (FCSAC, 9171) +14.23% +17.47% +13.99% -- +9.41% 0.80% 04/24/2007 Consumer Defensive Morningstar Rating 4 stars 4
79 Funds Rated
Exchange VIP Consumer Staples
VIP Dynamic Capital Apprec (FZAMC, 9074) +20.08% +25.29% +17.11% +10.39% +3.91% 0.84% 09/25/2000 Large Growth Morningstar Rating 5 stars 5
9026 Funds Rated
Exchange VIP Dynamic Capital Apprec
VIP Asset Manager (FLRQC, 9067) +10.06% +12.25% +9.08% +6.29% +7.40% 0.71% 09/06/1989 Moderate Allocation Morningstar Rating 4 stars 4
4768 Funds Rated
Exchange VIP Asset Manager
VIP Health Care (FPDRC, 9084) +38.21% +36.12% +25.18% +14.05% +10.43% 0.77% 07/18/2001 Health Morningstar Rating 5 stars 5
720 Funds Rated
Exchange VIP Health Care
VIP Asset Manager: Growth (FAEEC, 9066) +12.39% +15.94% +10.67% +6.62% +7.02% 0.81% 01/03/1995 Moderate Allocation Morningstar Rating 4 stars 4
4768 Funds Rated
Exchange VIP Asset Manager: Growth
VIP Technology (FYENC, 9086) +19.06% +20.03% +15.89% +11.18% +6.41% 0.81% 07/19/2001 Technology Morningstar Rating 4 stars 4
697 Funds Rated
Exchange VIP Technology
VIP Consumer Discretionary (FVHAC, 9081) +8.29% +23.22% +18.30% +8.94% +6.43% 0.83% 07/18/2001 Consumer Cyclical Morningstar Rating 4 stars 4
100 Funds Rated
Exchange VIP Consumer Discretionary
VIP Index 500 (FXVLT, 9064) +19.31% +22.57% +15.32% +7.78% +9.02% 0.10% 08/27/1992 Large Blend Morningstar Rating 5 stars 5
6485 Funds Rated
Exchange VIP Index 500
VIP Utilities (FXRRC, 9087) +20.36% +16.51% +14.30% +10.07% +6.15% 0.82% 07/19/2001 Utilities Morningstar Rating 3 stars 3
453 Funds Rated
Exchange VIP Utilities
VIP Value Leaders (FUEBC, 9080) +16.15% +20.77% +10.75% +5.08% +5.94% 0.99% 06/17/2003 Large Value Morningstar Rating 2 stars 2
6226 Funds Rated
Exchange VIP Value Leaders
VIP Energy (FJLLC, 9085) +7.38% +16.12% +9.87% +10.20% +9.85% 0.78% 07/19/2001 Equity Energy Morningstar Rating 4 stars 4
192 Funds Rated
Exchange VIP Energy
VIP Investor Freedom 2030 (FXJLT, 9095) +10.51% +15.57% +11.04% -- +6.06% 0.75% 08/03/2005 Target Date 2026-2030 Morningstar Rating 5 stars 5
143 Funds Rated
Exchange VIP Investor Freedom 2030
VIP Growth Stock (FPVDC, 9078) +18.66% +22.19% +17.15% +8.67% +8.84% 0.84% 12/11/2002 Large Growth Morningstar Rating 4 stars 4
9026 Funds Rated
Exchange VIP Growth Stock
VIP Mid Cap (FNBSC, 9071) +11.89% +18.52% +13.51% +10.14% +13.19% 0.73% 12/28/1998 Mid-Cap Growth Morningstar Rating 4 stars 4
3737 Funds Rated
Exchange VIP Mid Cap
VIP Value (FKMSC, 9079) +14.81% +23.85% +14.97% +7.06% +5.89% 0.78% 05/09/2001 Large Value Morningstar Rating 4 stars 4
6226 Funds Rated
Exchange VIP Value
VIP Investor Freedom 2005 (FBKQT, 9090) +6.07% +8.51% +6.93% -- +4.79% 0.56% 08/03/2005 Target Date 2000-2010 Morningstar Rating 4 stars 4
156 Funds Rated
Exchange VIP Investor Freedom 2005
VIP FundsManager 50 (FMPBC, 9158) +7.41% +10.56% +8.01% -- +4.93% 0.80% 04/13/2006 Moderate Allocation Morningstar Rating 3 stars 3
4768 Funds Rated
Exchange VIP FundsManager 50
VIP FundsManager 60 (FMPPC, 9197) +8.73% +12.47% +9.09% -- +4.74% 0.88% 08/22/2007 Moderate Allocation Morningstar Rating 3 stars 3
4768 Funds Rated
Exchange VIP FundsManager 60
VIP Strategic Income (FGDQC, 9075) +5.13% +5.47% +5.93% +6.33% +6.17% 0.72% 12/23/2003 Multisector Bond Morningstar Rating 4 stars 4
680 Funds Rated
Exchange VIP Strategic Income
VIP Materials (FVMAC, 9172) +11.91% +20.50% +13.98% -- +8.77% 0.83% 04/24/2007 Natural Resources Morningstar Rating 5 stars 5
495 Funds Rated
Exchange VIP Materials
VIP Balanced (FJBAC, 9069) +13.82% +16.47% +11.47% +7.21% +6.86% 0.61% 01/03/1995 Moderate Allocation Morningstar Rating 5 stars 5
4768 Funds Rated
Exchange VIP Balanced
VIP Investor Freedom 2015 (FTCMT, 9092) +7.86% +11.33% +8.67% -- +5.72% 0.63% 08/03/2005 Target Date 2011-2015 Morningstar Rating 5 stars 5
113 Funds Rated
Exchange VIP Investor Freedom 2015
VIP Investor Freedom 2020 (FTEMT, 9093) +8.54% +12.57% +9.47% -- +5.72% 0.66% 08/03/2005 Target Date 2016-2020 Morningstar Rating 5 stars 5
184 Funds Rated
Exchange VIP Investor Freedom 2020
VIP Emerging Markets (FEMAC, 9198) +6.05% +7.97% +3.90% -- -0.54% 1.22% 01/23/2008 Diversified Emerging Mkts Morningstar Rating 3 stars 3
1247 Funds Rated
Exchange VIP Emerging Markets
VIP International Cap Apprec (FVJIC, 9076) +8.29% +18.17% +9.64% -- +4.98% 1.26% 12/22/2004 Foreign Large Growth Morningstar Rating 5 stars 5
1357 Funds Rated
Exchange VIP International Cap Apprec
VIP Real Estate (FFWKC, 9072) +12.93% +16.88% +15.82% +8.88% +11.50% 0.77% 11/06/2002 Real Estate Morningstar Rating 4 stars 4
754 Funds Rated
Exchange VIP Real Estate
VIP Contrafund (FPDFC, 9065) +18.33% +21.30% +14.28% +9.05% +11.01% 0.72% 01/03/1995 Large Growth Morningstar Rating 5 stars 5
9026 Funds Rated
Exchange VIP Contrafund
VIP High Income (FBBLC, 9060) +5.76% +9.20% +8.86% +6.59% +4.87% 0.71% 09/19/1985 High Yield Bond Morningstar Rating 4 stars 4
1981 Funds Rated
Exchange VIP High Income
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BlackRock
Fund Name
(Symbol, Fund Num)
 
AS OF 09/30/2014 Expense
Ratio
Fund
Inception Date
  
MORNINGSTAR RATINGS (AS OF 09/30/2014)
  1 Year   3 Years   5 Years   10 Years   Life 3 of Fund Investment Category    Overall Ratings   
Global Allocation V.I. Fund (FBMEC, 9347) +7.45% +10.28% +6.92% +7.89% +8.42% 1.00% 11/24/2003 World Allocation Morningstar Rating 4 stars 4
1119 Funds Rated
Exchange Global Allocation V.I. Fund
Top
Franklin Templeton
Fund Name
(Symbol, Fund Num)
 
AS OF 09/30/2014 Expense
Ratio
Fund
Inception Date
  
MORNINGSTAR RATINGS (AS OF 09/30/2014)
  1 Year   3 Years   5 Years   10 Years   Life 3 of Fund Investment Category    Overall Ratings   
Global Bond VIP Fund (FTMEC, 9349) +5.54% +6.87% +6.85% +8.46% +8.11% 0.76% 01/06/1999 World Bond Morningstar Rating 5 stars 5
826 Funds Rated
Exchange Global Bond VIP Fund
U.S. Government Securities VIP Fund (FFMEC, 9348) +1.75% +0.69% +2.28% +3.46% +4.12% 0.74% 01/06/1999 Intermediate Government Morningstar Rating 5 stars 5
630 Funds Rated
Exchange U.S. Government Securities VIP Fund
Top
Invesco
Fund Name
(Symbol, Fund Num)
 
AS OF 09/30/2014 Expense
Ratio
Fund
Inception Date
  
MORNINGSTAR RATINGS (AS OF 09/30/2014)
  1 Year   3 Years   5 Years   10 Years   Life 3 of Fund Investment Category    Overall Ratings   
V.I. Global Core Equity (FIGXC, 9285) +9.17% +14.77% +7.14% +3.74% +4.74% 1.09% 01/02/1997 World Stock Morningstar Rating 2 stars 2
2941 Funds Rated
Exchange V.I. Global Core Equity
Top
Lazard
Fund Name
(Symbol, Fund Num)
 
AS OF 09/30/2014 Expense
Ratio
Fund
Inception Date
  
MORNINGSTAR RATINGS (AS OF 09/30/2014)
  1 Year   3 Years   5 Years   10 Years   Life 3 of Fund Investment Category    Overall Ratings   
Retirement Emerging Markets Equity (FPRLC, 9147) +3.95% +8.61% +5.64% +11.82% +8.33% 1.14% 11/04/1997 Diversified Emerging Mkts Morningstar Rating 5 stars 5
1247 Funds Rated
Exchange Retirement Emerging Markets Equity
Top
Morgan Stanley
Fund Name
(Symbol, Fund Num)
 
AS OF 09/30/2014 Expense
Ratio
Fund
Inception Date
  
MORNINGSTAR RATINGS (AS OF 09/30/2014)
  1 Year   3 Years   5 Years   10 Years   Life 3 of Fund Investment Category    Overall Ratings   
Emerging Markets Equity (FPRNC, 9144) +3.30% +7.32% +4.62% +9.84% +6.22% 1.71% 10/01/1996 Diversified Emerging Mkts Morningstar Rating 4 stars 4
1247 Funds Rated
Exchange Emerging Markets Equity
Emerging Markets Debt (FPRMC, 9143) +6.42% +6.02% +6.21% +7.35% +7.18% 1.06% 06/16/1997 Emerging Markets Bond Morningstar Rating 5 stars 5
243 Funds Rated
Exchange Emerging Markets Debt
Global Tactical Asset Allocation (FPRPC, 9146) +9.11% +12.98% +7.48% +6.22% +4.02% 1.33% 01/02/1997 Tactical Allocation Morningstar Rating 4 stars 4
548 Funds Rated
Exchange Global Tactical Asset Allocation
Top
PIMCO
Fund Name
(Symbol, Fund Num)
 
AS OF 09/30/2014 Expense
Ratio
Fund
Inception Date
  
MORNINGSTAR RATINGS (AS OF 09/30/2014)
  1 Year   3 Years   5 Years   10 Years   Life 3 of Fund Investment Category    Overall Ratings   
PIMCO VIT Low Duration (FPMBC, 9276) +1.26% +2.28% +2.60% +3.53% +3.97% 0.65% 02/16/1999 Short-Term Bond Morningstar Rating 5 stars 5
720 Funds Rated
Exchange PIMCO VIT Low Duration
PIMCO VIT Real Return (FPNBC, 9277) +1.51% +1.52% +4.60% +4.51% +6.60% 0.70% 09/30/1999 Inflation-Protected Bond Morningstar Rating 5 stars 5
784 Funds Rated
Exchange PIMCO VIT Real Return
PIMCO VIT Total Return (FPOBC, 9278) +2.57% +3.70% +4.28% +5.39% +5.73% 0.65% 12/31/1997 Intermediate-Term Bond Morningstar Rating 5 stars 5
3589 Funds Rated
Exchange PIMCO VIT Total Return
PIMCO VIT CommodityRealReturn Strategy (FPMEC, 9346) -7.18% -4.56% +1.69% +0.59% +1.44% 1.09% 06/30/2004 Commodities Broad Basket Morningstar Rating 4 stars 4
325 Funds Rated
Exchange PIMCO VIT CommodityRealReturn Strategy
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MorningStar logoMorningstar data provided by Morningstar, Inc.

2012 Morningstar, Inc. All rights reserved. The Morningstar information contained herein; (1) is proprietary to Morningstar and/or its affiliates; (2) may not be copied or distributed; (3) is not warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of this information. Fidelity does not review the Morningstar data and you should check the fund's current prospectus for the most up-to-date information concerning applicable loads, fees and expenses.

ANNUITY FUND PERFORMANCE:

  1. Returns reflect an annual annuity charge of 0.25%, the charge applicable to contracts purchased prior to 1/1/2009 and on or after 9/7/2010. Certain funds have voluntary expense limits. Without these expense reimbursements, returns would have been lower.
  2. The returns shown assume that the product and its funds were available at the fund's inception date, which they were not. Fund returns prior to each fund's sub-account inception date have been adjusted so that they reflect the annuity's annual annuity charge. Predated performance is hypothetical.
  3. Returns for periods of less than one year are cumulative from the inception date indicated.

Total returns include changes in share price and reinvestment of dividends and capital gains.

Unless otherwise noted, returns are adjusted for all applicable recurring and non-recurring fees (including redemption fees), loads and charges, if any.

VIP refers to Variable Insurance Products.

Investments in the VIP Money Market Portfolio are neither insured nor guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although the underlying fund seeks to preserve the value of investments at $1.00 per share, it is possible to lose money in this Portfolio.

Withdrawals of taxable amounts from an annuity are subject to ordinary income tax, and, if taken before age 59 1/2, may be subject to a 10% IRS penalty.

ABOUT MORGAN STANLEY FUNDS: Morgan Stanley refers to Morgan Stanley Universal Institutional Funds Inc.

Prior to October 29, 2010 the Morgan Stanley Global Tactical Asset Allocation fund was named Morgan Stanley International Magnum and operated under certain different investment policies. The fund's historical performance may not represent its current investment policies.