Off Track Investment Mix Campaign

Campaign Overview

When your employees’ investment mix isn’t on track to meet their retirement goals, they receive a personalized message to raise awareness and educate them on the importance of having an appropriate asset allocation.

Communication also encourages them to review their strategy and learn about available support options, such as a managed account that offers a personalized investment strategy or a target date fund that is aligned to their expected retirement year.

Campaign Details

Who's included:
Active and terminated participants who are eligible but not currently enrolled in Fidelity’s managed account service, are not 100% in a target date fund, and whose investment strategy is +/-10% or more off track in their investment mix.*

How we’ll communicate:
Email with corresponding NetBenefits^® messaging.

View Email Sample

Investing involves risk, including risk of loss.

For plan sponsor use only.

*Your employee may receive this message if their stock holdings are more than plus or minus 10% off from what the age-based stock holding would suggest. Their current age and stock holdings are compared with Fidelity's equity glide path (i.e., a range of age-based equity allocations that may be generally appropriate for many investors saving for retirement and planning to retire around ages 65 to 67). Fidelity's equity glide path is reflective of the equity glide path of a typical target date mutual fund, and is Off Track Investment Mix Campaign designed to become more conservative (or to decrease) as investors approach retirement and beyond. The glide path allocations, as of MM/DD/YYYY, begin with 90% stock holdings within a retirement portfolio at age 25, continuing down to 19% stock holdings 10-19 years after retirement. Stocks are defined as domestic equity, international equity, company stock, and the stock portion of blended investment options. In assessing their investment mix, this report considers only the percentage of stock holdings within the named workplace savings plan account and does not consider other investment types. The report does not take into consideration stock or other investments they may hold in other workplace savings plan accounts, or in other accounts they may hold with Fidelity or elsewhere. It also does not consider other factors, such as risk tolerance, that may affect their retirement mix decision. If they have gone through an online planning experience and received a recommended target asset mix, this assessment may not apply to you. If their planned retirement age is outside the range of 55 to 75, that is +/- 10 years from age 65, this assessment also may not apply.

Target Date Funds are an asset mix of stocks, bonds, and other investments that automatically becomes more conservative as the fund approaches its target retirement date and beyond. Principal invested is not guaranteed.

Fidelity^® Personalized Planning & Advice at Work is a service of Strategic Advisers LLC, a registered investment adviser and a Fidelity Investments company, and may be referred to as "Fidelity," "we," or "our" within. For more information, refer to the Terms and Conditions of the Program. When used herein, Fidelity Personalized Planning & Advice refers exclusively to Fidelity Personalized Planning & Advice at Work. This service provides advisory services for a fee.

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

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