Fidelity Retirement Reserves®

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and the principal value of a variable annuity will fluctuate; therefore, you may have a gain or loss when money is withdrawn or received.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
Sub Account
Inception Date
  
MORNINGSTAR RATINGS (AS OF 11/30/2014)
  1 Year   3 Years   5 Years   10 Years Life 2 of
  Sub Account
Investment Category  Overall Ratings 
VIP Growth Strategies (FVAGT, 9055) +14.50% +19.96% +13.38% -- +5.89% 1.06% 07/01/2005 Mid-Cap Growth Morningstar Rating 3 stars 3
3809 Funds Rated
Exchange VIP Growth Strategies
VIP FundsManager 20 (FMPEC, 9153) +3.82% +4.51% +4.12% -- +3.36% 0.63% 05/01/2006 Conservative Allocation Morningstar Rating 2 stars 2
3310 Funds Rated
Exchange VIP FundsManager 20
VIP Consumer Discretionary (FAVCI, 9033) +7.72% +22.62% +17.73% +8.42% +6.03% 0.76% 07/30/2001 Consumer Cyclical Morningstar Rating 3 stars 3
139 Funds Rated
Exchange VIP Consumer Discretionary
VIP Value Strategies (FAVVS, 9041) +13.99% +24.24% +14.99% +7.71% +7.98% 0.68% 09/26/2003 Mid-Cap Value Morningstar Rating 3 stars 3
2448 Funds Rated
Exchange VIP Value Strategies
VIP Dynamic Capital Apprec (FAVDC, 9042) +19.52% +24.71% +16.54% +9.88% +8.89% 0.77% 09/26/2003 Large Growth Morningstar Rating 5 stars 5
9322 Funds Rated
Exchange VIP Dynamic Capital Apprec
VIP Growth Stock (FVGST, 9058) +18.08% +21.58% +16.57% -- +7.97% 0.77% 07/01/2005 Large Growth Morningstar Rating 4 stars 4
9322 Funds Rated
Exchange VIP Growth Stock
VIP Utilities (FAVGP, 9039) +19.85% +15.94% +13.78% +9.59% +5.79% 0.74% 07/30/2001 Utilities Morningstar Rating 3 stars 3
465 Funds Rated
Exchange VIP Utilities
VIP High Income (FAVHI, 9009) +5.17% +8.65% +8.29% +6.05% +6.02% 0.68% 02/29/1988 High Yield Bond Morningstar Rating 4 stars 4
2013 Funds Rated
Exchange VIP High Income
VIP Overseas, Class R (FAVOS, 9044) +1.58% +14.28% +6.60% +5.57% +5.09% 0.82% 04/30/2004 Foreign Large Blend Morningstar Rating 4 stars 4
2922 Funds Rated
Exchange VIP Overseas, Class R
VIP Floating Rate High Income (FFLAC, 9360) -- -- -- -- -0.14% 0.86% 04/30/2014 Bank Loan -- Exchange VIP Floating Rate High Income
VIP FundsManager 60 (FMPRC, 9200) +8.13% +11.85% +8.49% -- +4.57% 0.88% 04/30/2008 Moderate Allocation Morningstar Rating 3 stars 3
4797 Funds Rated
Exchange VIP FundsManager 60
VIP Freedom 2015 (FFROT, 9048) +7.40% +10.80% +8.15% -- +5.53% 0.58% 07/01/2005 Target Date 2011-2015 Morningstar Rating 5 stars 5
113 Funds Rated
Exchange VIP Freedom 2015
VIP Freedom 2020 (FFRTT, 9052) +7.95% +12.03% +8.93% -- +5.61% 0.60% 07/01/2005 Target Date 2016-2020 Morningstar Rating 5 stars 5
184 Funds Rated
Exchange VIP Freedom 2020
VIP Industrials (FAVCC, 9034) +9.61% +22.86% +16.56% +10.71% +9.72% 0.72% 07/30/2001 Industrials Morningstar Rating 4 stars 4
79 Funds Rated
Exchange VIP Industrials
VIP Asset Manager: Growth (FAVAG, 9002) +11.83% +15.41% +10.15% +6.15% +6.53% 0.72% 01/09/1995 Moderate Allocation Morningstar Rating 4 stars 4
4797 Funds Rated
Exchange VIP Asset Manager: Growth
VIP Contrafund (FAVCF, 9004) +17.77% +20.72% +13.74% +8.56% +10.51% 0.64% 01/09/1995 Large Growth Morningstar Rating 4 stars 4
9322 Funds Rated
Exchange VIP Contrafund
VIP Investment Grade Bond (FAVIB, 9011) +3.39% +2.35% +4.03% +3.85% +5.56% 0.42% 12/30/1988 Intermediate-Term Bond Morningstar Rating 4 stars 4
3807 Funds Rated
Exchange VIP Investment Grade Bond
VIP Disciplined Small Cap (FNRGC, 9149) +5.13% +21.60% +14.45% -- +4.75% 0.93% 05/01/2006 Small Blend Morningstar Rating 4 stars 4
2310 Funds Rated
Exchange VIP Disciplined Small Cap
VIP Mid Cap (FAVMC, 9032) +11.33% +17.94% +12.98% +9.64% +9.37% 0.64% 05/01/2000 Mid-Cap Growth Morningstar Rating 3 stars 3
3809 Funds Rated
Exchange VIP Mid Cap
VIP Telecommunications (FVTCC, 9168) +7.77% +15.81% +12.09% -- +3.06% 1.02% 04/30/2007 Communications Morningstar Rating 3 stars 3
120 Funds Rated
Exchange VIP Telecommunications
VIP FundsManager 50 (FMPFC, 9154) +6.82% +9.95% +7.42% -- +4.25% 0.80% 05/01/2006 Moderate Allocation Morningstar Rating 2 stars 2
4797 Funds Rated
Exchange VIP FundsManager 50
VIP Asset Manager (FAVAM, 9001) +9.49% +11.71% +8.56% +5.81% +6.84% 0.63% 10/04/1989 Moderate Allocation Morningstar Rating 3 stars 3
4797 Funds Rated
Exchange VIP Asset Manager
VIP Value Leaders (FVVLT, 9057) +15.61% +20.17% +10.21% -- +3.78% 0.93% 07/01/2005 Large Value Morningstar Rating 2 stars 2
6321 Funds Rated
Exchange VIP Value Leaders
VIP Freedom 2010 (FFRJT, 9051) +6.69% +10.30% +7.85% -- +5.27% 0.55% 07/01/2005 Target Date 2000-2010 Morningstar Rating 5 stars 5
156 Funds Rated
Exchange VIP Freedom 2010
VIP Emerging Markets (FEMCC, 9201) +5.39% +7.46% +3.40% -- -2.62% 1.15% 04/30/2008 Diversified Emerging Mkts Morningstar Rating 3 stars 3
1268 Funds Rated
Exchange VIP Emerging Markets
VIP FundsManager 85 (FMPHC, 9156) +9.66% +16.27% +10.54% -- +4.30% 0.96% 05/01/2006 Aggressive Allocation Morningstar Rating 4 stars 4
1733 Funds Rated
Exchange VIP FundsManager 85
VIP Freedom 2005 (FFRFT, 9047) +5.57% +7.98% +6.41% -- +4.54% 0.51% 07/01/2005 Target Date 2000-2010 Morningstar Rating 3 stars 3
156 Funds Rated
Exchange VIP Freedom 2005
VIP Freedom 2025 (FFRYT, 9049) +9.29% +14.29% +10.12% -- +6.17% 0.64% 07/01/2005 Target Date 2021-2025 Morningstar Rating 4 stars 4
72 Funds Rated
Exchange VIP Freedom 2025
VIP Freedom 2030 (FFRCT, 9053) +10.02% +15.01% +10.47% -- +6.03% 0.68% 07/01/2005 Target Date 2026-2030 Morningstar Rating 5 stars 5
143 Funds Rated
Exchange VIP Freedom 2030
VIP Real Estate (FAVRE, 9040) +12.41% +16.34% +15.29% +8.39% +9.84% 0.69% 09/26/2003 Real Estate Morningstar Rating 4 stars 4
761 Funds Rated
Exchange VIP Real Estate
VIP Index 500 (FVIFC, 9010) +18.65% +21.89% +14.69% +7.19% +8.34% 0.10% 09/01/1992 Large Blend Morningstar Rating 5 stars 5
6533 Funds Rated
Exchange VIP Index 500
VIP Materials (FVMCC, 9167) +11.36% +19.91% +13.45% -- +8.44% 0.76% 04/30/2007 Natural Resources Morningstar Rating 5 stars 5
483 Funds Rated
Exchange VIP Materials
VIP Growth Opportunities (FAVGO, 9008) +10.73% +22.09% +17.65% +7.40% +6.57% 0.68% 01/03/1995 Large Growth Morningstar Rating 3 stars 3
9322 Funds Rated
Exchange VIP Growth Opportunities
VIP Energy (FAVNR, 9037) +6.90% +15.59% +9.36% +9.70% +9.14% 0.70% 07/30/2001 Equity Energy Morningstar Rating 3 stars 3
192 Funds Rated
Exchange VIP Energy
VIP Consumer Staples (FCSCC, 9166) +13.63% +16.91% +13.43% -- +8.87% 0.73% 04/30/2007 Consumer Defensive Morningstar Rating 3 stars 3
79 Funds Rated
Exchange VIP Consumer Staples
VIP Financial Services (FAVFS, 9035) +15.39% +24.16% +7.69% +0.65% +1.41% 0.85% 07/30/2001 Financial Morningstar Rating 3 stars 3
244 Funds Rated
Exchange VIP Financial Services
VIP Money Market (FAVMM, 9013)
7 Day Yield % -0.79
As of 12/19/2014
-0.79% -0.73% -0.68% +0.95% +2.83% 0.26% 01/29/1988 Money Market-Taxable -- Exchange VIP Money Market
VIP Technology (FAVTT, 9038) +18.50% +19.45% +15.36% +10.69% +6.03% 0.73% 07/30/2001 Technology Morningstar Rating 3 stars 3
704 Funds Rated
Exchange VIP Technology
VIP Balanced (FAVBB, 9003) +13.33% +15.94% +10.94% +6.73% +6.35% 0.53% 01/03/1995 Moderate Allocation Morningstar Rating 5 stars 5
4797 Funds Rated
Exchange VIP Balanced
VIP FundsManager 70 (FMPGC, 9155) +8.51% +13.65% +9.40% -- +4.39% 0.86% 05/01/2006 Aggressive Allocation Morningstar Rating 4 stars 4
1733 Funds Rated
Exchange VIP FundsManager 70
VIP Growth & Income (FAVGI, 9007) +16.03% +23.13% +14.77% +7.06% +6.51% 0.58% 12/31/1996 Large Blend Morningstar Rating 4 stars 4
6533 Funds Rated
Exchange VIP Growth & Income
VIP Freedom Income (FFRIT, 9046) +3.92% +4.87% +4.26% -- +3.75% 0.46% 07/01/2005 Retirement Income Morningstar Rating 3 stars 3
43 Funds Rated
Exchange VIP Freedom Income
VIP International Cap Apprec (FVICT, 9054) +7.80% +17.61% +9.14% -- +4.72% 1.21% 07/01/2005 Foreign Large Growth Morningstar Rating 5 stars 5
1402 Funds Rated
Exchange VIP International Cap Apprec
VIP Overseas (FAVOO, 9014) +1.57% +14.29% +6.60% +5.57% +5.77% 0.82% 02/10/1988 Foreign Large Blend Morningstar Rating 4 stars 4
2922 Funds Rated
Exchange VIP Overseas
VIP Strategic Income (FAVSI, 9043) +4.65% +4.93% +5.39% +5.79% +5.94% 0.68% 04/30/2004 Multisector Bond Morningstar Rating 4 stars 4
714 Funds Rated
Exchange VIP Strategic Income
VIP Health Care (FAVHC, 9036) +37.59% +35.47% +24.61% +13.53% +9.96% 0.69% 07/30/2001 Health Morningstar Rating 5 stars 5
720 Funds Rated
Exchange VIP Health Care
VIP Equity-Income (FAVEI, 9005) +13.57% +20.45% +13.20% +6.14% +8.66% 0.57% 02/10/1988 Large Value Morningstar Rating 3 stars 3
6321 Funds Rated
Exchange VIP Equity-Income
VIP Growth (FAVGR, 9006) +17.86% +22.53% +16.85% +7.60% +9.21% 0.66% 02/10/1988 Large Growth Morningstar Rating 4 stars 4
9322 Funds Rated
Exchange VIP Growth
VIP Value (FVVPT, 9056) +14.29% +23.29% +14.41% -- +6.17% 0.71% 07/01/2005 Large Value Morningstar Rating 4 stars 4
6321 Funds Rated
Exchange VIP Value
Top
BlackRock
Fund Name
(Symbol, Fund Num)
  
AS OF 09/30/2014 Expense
Ratio
Sub Account
Inception Date
  
MORNINGSTAR RATINGS (AS OF 11/30/2014)
  1 Year   3 Years   5 Years   10 Years Life 2 of
  Sub Account
Investment Category  Overall Ratings 
Global Allocation V.I. Fund (FBPEC, 9343) +6.86% -- -- -- +7.40% 1.00% 04/30/2012 World Allocation Morningstar Rating 4 stars 4
1175 Funds Rated
Exchange Global Allocation V.I. Fund
Top
Franklin Templeton
Fund Name
(Symbol, Fund Num)
  
AS OF 09/30/2014 Expense
Ratio
Sub Account
Inception Date
  
MORNINGSTAR RATINGS (AS OF 11/30/2014)
  1 Year   3 Years   5 Years   10 Years Life 2 of
  Sub Account
Investment Category  Overall Ratings 
U.S. Government Securities VIP Fund (FFPEC, 9344) +1.19% -- -- -- -0.32% 0.74% 04/30/2012 Intermediate Government Morningstar Rating 4 stars 4
637 Funds Rated
Exchange U.S. Government Securities VIP Fund
Global Bond VIP Fund (FTPEC, 9345) +4.96% -- -- -- +4.51% 0.76% 04/30/2012 World Bond Morningstar Rating 5 stars 5
876 Funds Rated
Exchange Global Bond VIP Fund
Top
Invesco
Fund Name
(Symbol, Fund Num)
  
AS OF 09/30/2014 Expense
Ratio
Sub Account
Inception Date
  
MORNINGSTAR RATINGS (AS OF 11/30/2014)
  1 Year   3 Years   5 Years   10 Years Life 2 of
  Sub Account
Investment Category  Overall Ratings 
V.I. Global Core Equity (FIGVC, 9283) +8.57% +14.14% -- -- +9.04% 1.09% 05/28/2010 World Stock Morningstar Rating 2 stars 2
3090 Funds Rated
Exchange V.I. Global Core Equity
Top
Lazard
Fund Name
(Symbol, Fund Num)
  
AS OF 09/30/2014 Expense
Ratio
Sub Account
Inception Date
  
MORNINGSTAR RATINGS (AS OF 11/30/2014)
  1 Year   3 Years   5 Years   10 Years Life 2 of
  Sub Account
Investment Category  Overall Ratings 
Retirement Emerging Markets Equity (FNRLC, 9150) +3.38% +8.01% +5.06% -- +5.10% 1.14% 05/01/2006 Diversified Emerging Mkts Morningstar Rating 5 stars 5
1268 Funds Rated
Exchange Retirement Emerging Markets Equity
Top
Morgan Stanley
Fund Name
(Symbol, Fund Num)
  
AS OF 09/30/2014 Expense
Ratio
Sub Account
Inception Date
  
MORNINGSTAR RATINGS (AS OF 11/30/2014)
  1 Year   3 Years   5 Years   10 Years Life 2 of
  Sub Account
Investment Category  Overall Ratings 
Emerging Markets Equity (FAMEE, 9018) +2.73% +6.73% +4.04% +9.23% +6.25% 1.71% 11/24/1997 Diversified Emerging Mkts Morningstar Rating 4 stars 4
1268 Funds Rated
Exchange Emerging Markets Equity
Emerging Markets Debt (FAMMT, 9017) +5.83% +5.43% +5.63% +6.76% +7.04% 1.06% 11/24/1997 Emerging Markets Bond Morningstar Rating 5 stars 5
251 Funds Rated
Exchange Emerging Markets Debt
Global Tactical Asset Allocation (FAMIM, 9020) +8.51% +12.36% +6.89% +5.63% +3.15% 1.33% 11/24/1997 Tactical Allocation Morningstar Rating 4 stars 4
532 Funds Rated
Exchange Global Tactical Asset Allocation
Top
PIMCO
Fund Name
(Symbol, Fund Num)
  
AS OF 09/30/2014 Expense
Ratio
Sub Account
Inception Date
  
MORNINGSTAR RATINGS (AS OF 11/30/2014)
  1 Year   3 Years   5 Years   10 Years Life 2 of
  Sub Account
Investment Category  Overall Ratings 
PIMCO VIT Low Duration (FPMAC, 9268) +0.70% +1.72% +2.04% -- +2.04% 0.65% 09/30/2009 Short-Term Bond Morningstar Rating 5 stars 5
742 Funds Rated
Exchange PIMCO VIT Low Duration
PIMCO VIT CommodityRealReturn Strategy (FPPEC, 9342) -7.69% -- -- -- -8.34% 1.09% 04/30/2012 Commodities Broad Basket Morningstar Rating 4 stars 4
337 Funds Rated
Exchange PIMCO VIT CommodityRealReturn Strategy
PIMCO VIT Real Return (FPNAC, 9269) +0.95% +0.96% +4.03% -- +4.03% 0.70% 09/30/2009 Inflation-Protected Bond Morningstar Rating 5 stars 5
787 Funds Rated
Exchange PIMCO VIT Real Return
PIMCO VIT Total Return (FPOAC, 9270) +2.01% +3.13% +3.70% -- +3.70% 0.65% 09/30/2009 Intermediate-Term Bond Morningstar Rating 5 stars 5
3807 Funds Rated
Exchange PIMCO VIT Total Return
Top
Wells Fargo
Fund Name
(Symbol, Fund Num)
  
AS OF 09/30/2014 Expense
Ratio
Sub Account
Inception Date
  
MORNINGSTAR RATINGS (AS OF 11/30/2014)
  1 Year   3 Years   5 Years   10 Years Life 2 of
  Sub Account
Investment Category  Overall Ratings 
Advantage VT Discovery (FASDD, 9027) +2.19% +21.66% +17.74% +10.69% +9.17% 1.16% 05/08/1992 Mid-Cap Growth Morningstar Rating 4 stars 4
3809 Funds Rated
Exchange Advantage VT Discovery
Advantage VT Opportunity (FASOT, 9028) +14.21% +19.74% +13.57% +7.96% +7.72% 1.10% 11/24/1997 Mid-Cap Growth Morningstar Rating 3 stars 3
3809 Funds Rated
Exchange Advantage VT Opportunity
Top

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 since 11/1/97 include the 0.80% annual annuity charge for Fidelity Retirement Reserves and returns prior to 11/1/97 include a 1.00% annual annuity charge. Returns do not reflect the annual $30 maintenance fee which applies to contracts where total purchases payments, less any withdrawals, are less than $25,000. Certain funds have voluntary expense limits. Without these expense reimbursements, returns would have been lower.
  2. Returns for periods of less than one year are cumulative from the inception date indicated.

Performance returns reflect the subaccount inception, the date each portfolio was first available in the insurance company's variable product.

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.