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and the principal value of a variable annuity will fluctuate; therefore, you may have a gain or loss when money is withdrawn or received.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 08/31/2015 Expense
Ratio
Fund
Inception Date
  
MORNINGSTAR RATINGS (AS OF 07/31/2015)
  1 Year   3 Years   5 Years   10 Years   Life 3 of Fund Investment Category    Overall Ratings   
VIP Financial Services (FONNC, 9083) -0.91% +14.65% +11.19% +0.39% +1.69% 0.81% 07/18/2001 Financial Morningstar Rating 3 stars 3
245 Funds Rated
Exchange VIP Financial Services
VIP Investor Freedom 2030 (FXJLT, 9095) -2.78% +9.10% +10.46% +5.59% +5.46% 0.75% 08/03/2005 Target Date 2026-2030 Morningstar Rating 5 stars 5
150 Funds Rated
Exchange VIP Investor Freedom 2030
VIP FundsManager 70 (FMPCC, 9159) -1.18% +9.21% +9.84% -- +4.73% 0.91% 04/13/2006 Aggressive Allocation Morningstar Rating 4 stars 4
1946 Funds Rated
Exchange VIP FundsManager 70
VIP Index 500 (FXVLT, 9064) +0.16% +13.93% +15.49% +6.84% +8.72% 0.10% 08/27/1992 Large Blend Morningstar Rating 5 stars 5
7101 Funds Rated
Exchange VIP Index 500
VIP Investor Freedom 2005 (FBKQT, 9090) -1.14% +4.90% +6.23% +4.43% +4.39% 0.56% 08/03/2005 Target Date 2000-2010 Morningstar Rating 4 stars 4
163 Funds Rated
Exchange VIP Investor Freedom 2005
VIP Investor Freedom 2025 (FVIIT, 9094) -2.27% +8.68% +10.03% +5.77% +5.65% 0.70% 08/03/2005 Target Date 2021-2025 Morningstar Rating 5 stars 5
75 Funds Rated
Exchange VIP Investor Freedom 2025
VIP Real Estate (FFWKC, 9072) +0.72% +7.49% +12.29% +6.93% +11.23% 0.76% 11/06/2002 Real Estate Morningstar Rating 4 stars 4
783 Funds Rated
Exchange VIP Real Estate
VIP Telecommunications (FVTAC, 9173) -1.89% +8.50% +11.24% -- +3.07% 1.01% 04/24/2007 Communications Morningstar Rating 5 stars 5
120 Funds Rated
Exchange VIP Telecommunications
VIP Asset Manager (FLRQC, 9067) -1.99% +7.85% +8.46% +5.69% +7.15% 0.70% 09/06/1989 Moderate Allocation Morningstar Rating 4 stars 4
5587 Funds Rated
Exchange VIP Asset Manager
VIP FundsManager 50 (FMPBC, 9158) -0.87% +6.77% +7.62% -- +4.55% 0.81% 04/13/2006 Moderate Allocation Morningstar Rating 3 stars 3
5587 Funds Rated
Exchange VIP FundsManager 50
VIP Strategic Income (FGDQC, 9075) -2.26% +2.09% +4.04% +5.50% +5.64% 0.71% 12/23/2003 Multisector Bond Morningstar Rating 5 stars 5
751 Funds Rated
Exchange VIP Strategic Income
VIP Materials (FVMAC, 9172) -13.34% +6.73% +10.39% -- +6.44% 0.82% 04/24/2007 Natural Resources Morningstar Rating 5 stars 5
545 Funds Rated
Exchange VIP Materials
VIP Investor Freedom 2020 (FTEMT, 9093) -2.04% +7.21% +8.76% +5.27% +5.19% 0.66% 08/03/2005 Target Date 2016-2020 Morningstar Rating 5 stars 5
191 Funds Rated
Exchange VIP Investor Freedom 2020
VIP High Income (FBBLC, 9060) -1.97% +4.04% +6.31% +5.98% +4.72% 0.71% 09/19/1985 High Yield Bond Morningstar Rating 5 stars 5
2116 Funds Rated
Exchange VIP High Income
VIP Investor Freedom 2010 (FCRJT, 9091) -1.45% +6.31% +7.63% +5.07% +5.03% 0.60% 08/03/2005 Target Date 2000-2010 Morningstar Rating 5 stars 5
163 Funds Rated
Exchange VIP Investor Freedom 2010
VIP Overseas (FEMMC, 9088) -3.47% +10.18% +8.44% +4.18% +5.54% 0.88% 01/28/1987 Foreign Large Growth Morningstar Rating 4 stars 4
1693 Funds Rated
Exchange VIP Overseas
VIP Money Market (FTNJC, 9059) -0.24% -0.23% -0.18% +1.26% +4.18% 0.27% 04/01/1982 Money Market-Taxable -- Exchange VIP Money Market
VIP Technology (FYENC, 9086) -1.63% +11.01% +13.96% +9.09% +5.95% 0.78% 07/19/2001 Technology Morningstar Rating 4 stars 4
755 Funds Rated
Exchange VIP Technology
VIP Consumer Discretionary (FVHAC, 9081) +9.96% +17.46% +19.03% +8.90% +6.88% 0.80% 07/18/2001 Consumer Cyclical Morningstar Rating 4 stars 4
139 Funds Rated
Exchange VIP Consumer Discretionary
VIP Investment Grade Bond (FTLKC, 9063) +0.40% +1.24% +3.00% +4.15% +5.34% 0.45% 12/05/1988 Intermediate-Term Bond Morningstar Rating 5 stars 5
3997 Funds Rated
Exchange VIP Investment Grade Bond
VIP Dynamic Capital Apprec (FZAMC, 9074) +1.12% +16.22% +17.04% +8.33% +3.84% 0.79% 09/25/2000 Large Growth Morningstar Rating 5 stars 5
9190 Funds Rated
Exchange VIP Dynamic Capital Apprec
VIP Balanced (FJBAC, 9069) +0.47% +9.98% +11.14% +6.72% +6.62% 0.59% 01/03/1995 Moderate Allocation Morningstar Rating 5 stars 5
5587 Funds Rated
Exchange VIP Balanced
VIP Investor Freedom 2015 (FTCMT, 9092) -1.82% +6.61% +7.91% +5.28% +5.20% 0.63% 08/03/2005 Target Date 2011-2015 Morningstar Rating 5 stars 5
117 Funds Rated
Exchange VIP Investor Freedom 2015
VIP Emerging Markets (FEMAC, 9198) -17.70% +1.06% -0.06% -- -2.20% 1.18% 01/23/2008 Diversified Emerging Mkts Morningstar Rating 4 stars 4
1385 Funds Rated
Exchange VIP Emerging Markets
VIP Contrafund (FPDFC, 9065) +0.24% +13.44% +14.62% +7.33% +10.57% 0.71% 01/03/1995 Large Growth Morningstar Rating 4 stars 4
9190 Funds Rated
Exchange VIP Contrafund
VIP Health Care (FPDRC, 9084) +16.16% +31.93% +28.98% +13.69% +10.89% 0.75% 07/18/2001 Health Morningstar Rating 5 stars 5
739 Funds Rated
Exchange VIP Health Care
VIP Value Strategies (FRBSC, 9073) -3.25% +13.72% +14.80% +6.83% +7.53% 0.76% 02/20/2002 Mid-Cap Value Morningstar Rating 3 stars 3
2546 Funds Rated
Exchange VIP Value Strategies
VIP Utilities (FXRRC, 9087) -7.78% +9.85% +11.13% +7.32% +5.33% 0.78% 07/19/2001 Utilities Morningstar Rating 3 stars 3
490 Funds Rated
Exchange VIP Utilities
VIP FundsManager 20 (FMPAC, 9157) -0.23% +3.14% +4.08% -- +3.68% 0.63% 04/13/2006 Conservative Allocation Morningstar Rating 2 stars 2
3563 Funds Rated
Exchange VIP FundsManager 20
VIP Value (FKMSC, 9079) +0.26% +15.20% +15.61% +6.13% +5.74% 0.77% 05/09/2001 Large Value Morningstar Rating 4 stars 4
6576 Funds Rated
Exchange VIP Value
VIP Investor Freedom Income (FBXOT, 9089) -0.77% +3.16% +4.02% +3.83% +3.82% 0.49% 08/03/2005 Retirement Income Morningstar Rating 4 stars 4
43 Funds Rated
Exchange VIP Investor Freedom Income
VIP International Cap Apprec (FVJIC, 9076) -1.27% +11.46% +10.94% +4.63% +4.82% 1.19% 12/22/2004 Foreign Large Growth Morningstar Rating 4 stars 4
1693 Funds Rated
Exchange VIP International Cap Apprec
VIP Disciplined Small Cap (FPRGC, 9148) +1.28% +14.95% +16.53% -- +6.72% 0.93% 12/27/2005 Small Blend Morningstar Rating 5 stars 5
2425 Funds Rated
Exchange VIP Disciplined Small Cap
VIP Growth (FMNDC, 9062) +1.03% +14.92% +17.52% +7.35% +9.35% 0.73% 10/09/1986 Large Growth Morningstar Rating 4 stars 4
9190 Funds Rated
Exchange VIP Growth
VIP Energy (FJLLC, 9085) -32.88% -1.34% +5.16% +3.02% +6.81% 0.76% 07/19/2001 Equity Energy Morningstar Rating 3 stars 3
207 Funds Rated
Exchange VIP Energy
VIP Asset Manager: Growth (FAEEC, 9066) -3.15% +10.22% +10.41% +5.87% +6.71% 0.78% 01/03/1995 Moderate Allocation Morningstar Rating 5 stars 5
5587 Funds Rated
Exchange VIP Asset Manager: Growth
VIP Floating Rate High Income (FFLCC, 9361) +0.55% -- -- -- +0.76% 0.82% 04/09/2014 Bank Loan -- Exchange VIP Floating Rate High Income
VIP Growth & Income (FLFNC, 9070) -2.29% +13.19% +15.72% +6.48% +6.57% 0.67% 12/31/1996 Large Blend Morningstar Rating 5 stars 5
7101 Funds Rated
Exchange VIP Growth & Income
VIP FundsManager 60 (FMPPC, 9197) -0.89% +8.17% +8.78% -- +4.33% 0.88% 08/22/2007 Moderate Allocation Morningstar Rating 4 stars 4
5587 Funds Rated
Exchange VIP FundsManager 60
VIP Consumer Staples (FCSAC, 9171) +7.32% +12.62% +14.83% -- +9.27% 0.78% 04/24/2007 Consumer Defensive Morningstar Rating 5 stars 5
79 Funds Rated
Exchange VIP Consumer Staples
VIP Equity-Income (FLOLC, 9061) -5.34% +10.91% +13.51% +5.17% +8.58% 0.68% 10/09/1986 Large Value Morningstar Rating 4 stars 4
6576 Funds Rated
Exchange VIP Equity-Income
VIP Mid Cap (FNBSC, 9071) -0.68% +14.20% +12.21% +8.05% +12.67% 0.72% 12/28/1998 Mid-Cap Growth Morningstar Rating 4 stars 4
4240 Funds Rated
Exchange VIP Mid Cap
VIP Industrials (FBALC, 9082) -3.77% +13.41% +14.91% +9.32% +9.39% 0.77% 07/18/2001 Industrials Morningstar Rating 5 stars 5
79 Funds Rated
Exchange VIP Industrials
VIP Growth Opportunities (FIDPC, 9068) +5.53% +15.67% +19.25% +7.67% +7.15% 0.76% 01/03/1995 Large Growth Morningstar Rating 4 stars 4
9190 Funds Rated
Exchange VIP Growth Opportunities
VIP FundsManager 85 (FMPDC, 9160) -1.66% +11.03% +11.13% -- +4.66% 0.99% 04/13/2006 Aggressive Allocation Morningstar Rating 5 stars 5
1946 Funds Rated
Exchange VIP FundsManager 85
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BlackRock
Fund Name
(Symbol, Fund Num)
 
AS OF 08/31/2015 Expense
Ratio
Fund
Inception Date
  
MORNINGSTAR RATINGS (AS OF 07/31/2015)
  1 Year   3 Years   5 Years   10 Years   Life 3 of Fund Investment Category    Overall Ratings   
Global Allocation V.I. Fund (FBMEC, 9347) -3.47% +6.01% +6.29% +6.26% +7.59% 1.01% 11/24/2003 World Allocation Morningstar Rating 4 stars 4
1594 Funds Rated
Exchange Global Allocation V.I. Fund
Top
Franklin Templeton
Fund Name
(Symbol, Fund Num)
 
AS OF 08/31/2015 Expense
Ratio
Fund
Inception Date
  
MORNINGSTAR RATINGS (AS OF 07/31/2015)
  1 Year   3 Years   5 Years   10 Years   Life 3 of Fund Investment Category    Overall Ratings   
U.S. Government Securities VIP Fund (FFMEC, 9348) +0.93% +0.16% +1.39% +3.29% +3.96% 0.74% 01/06/1999 Intermediate Government Morningstar Rating 5 stars 5
735 Funds Rated
Exchange U.S. Government Securities VIP Fund
Global Bond VIP Fund (FTMEC, 9349) -6.63% +1.46% +3.27% +7.13% +7.25% 0.76% 01/06/1999 World Bond Morningstar Rating 5 stars 5
964 Funds Rated
Exchange Global Bond VIP Fund
Top
Invesco
Fund Name
(Symbol, Fund Num)
 
AS OF 08/31/2015 Expense
Ratio
Fund
Inception Date
  
MORNINGSTAR RATINGS (AS OF 07/31/2015)
  1 Year   3 Years   5 Years   10 Years   Life 3 of Fund Investment Category    Overall Ratings   
V.I. Global Core Equity (FIGXC, 9285) -5.18% +9.65% +7.44% +2.20% +4.38% 1.06% 01/02/1997 World Stock Morningstar Rating 2 stars 2
3207 Funds Rated
Exchange V.I. Global Core Equity
Top
Lazard
Fund Name
(Symbol, Fund Num)
 
AS OF 08/31/2015 Expense
Ratio
Fund
Inception Date
  
MORNINGSTAR RATINGS (AS OF 07/31/2015)
  1 Year   3 Years   5 Years   10 Years   Life 3 of Fund Investment Category    Overall Ratings   
Retirement Emerging Markets Equity (FPRLC, 9147) -28.13% -4.12% -1.41% +5.50% +6.46% 1.14% 11/04/1997 Diversified Emerging Mkts Morningstar Rating 4 stars 4
1385 Funds Rated
Exchange Retirement Emerging Markets Equity
Top
Morgan Stanley
Fund Name
(Symbol, Fund Num)
 
AS OF 08/31/2015 Expense
Ratio
Fund
Inception Date
  
MORNINGSTAR RATINGS (AS OF 07/31/2015)
  1 Year   3 Years   5 Years   10 Years   Life 3 of Fund Investment Category    Overall Ratings   
Global Strategist (FPRPC, 9146) -8.15% +5.21% +7.21% +3.61% +3.39% 1.43% 01/02/1997 Tactical Allocation Morningstar Rating 3 stars 3
788 Funds Rated
Exchange Global Strategist
Emerging Markets Debt (FPRMC, 9143) -5.88% -0.82% +2.99% +5.56% +6.60% 1.08% 06/16/1997 Emerging Markets Bond Morningstar Rating 5 stars 5
297 Funds Rated
Exchange Emerging Markets Debt
Emerging Markets Equity (FPRNC, 9144) -19.49% -1.50% -0.25% +5.06% +5.06% 1.70% 10/01/1996 Diversified Emerging Mkts Morningstar Rating 4 stars 4
1385 Funds Rated
Exchange Emerging Markets Equity
Top
PIMCO
Fund Name
(Symbol, Fund Num)
 
AS OF 08/31/2015 Expense
Ratio
Fund
Inception Date
  
MORNINGSTAR RATINGS (AS OF 07/31/2015)
  1 Year   3 Years   5 Years   10 Years   Life 3 of Fund Investment Category    Overall Ratings   
PIMCO VIT Low Duration (FPMBC, 9276) -0.16% +0.51% +1.53% +3.43% +3.75% 0.65% 02/16/1999 Short-Term Bond Morningstar Rating 5 stars 5
804 Funds Rated
Exchange PIMCO VIT Low Duration
PIMCO VIT Real Return (FPNBC, 9277) -4.72% -2.21% +2.18% +3.75% +6.08% 0.70% 09/30/1999 Inflation-Protected Bond Morningstar Rating 5 stars 5
844 Funds Rated
Exchange PIMCO VIT Real Return
PIMCO VIT CommodityRealReturn Strategy (FPMEC, 9346) -31.46% -16.64% -6.14% -3.90% -1.36% 1.06% 06/30/2004 Commodities Broad Basket Morningstar Rating 5 stars 5
360 Funds Rated
Exchange PIMCO VIT CommodityRealReturn Strategy
PIMCO VIT Total Return (FPOBC, 9278) +0.90% +1.34% +2.83% +5.13% +5.53% 0.65% 12/31/1997 Intermediate-Term Bond Morningstar Rating 5 stars 5
3997 Funds Rated
Exchange PIMCO VIT Total Return
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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 May 1, 2015, the Morgan Stanley Global Strategist Fund was known as Morgan Stanley Global Tactical Asset Allocation Fund.