Retirement income education for employees

1 EBRI Retirement Confidence Survey, 2021

The trademarks and service marks appearring herein are the property of their respective owners.

2 Wills Towers Watson Global Benefits Attitudes Survey, 2020

3 The Managed Retirement Funds are subject to the volatility of the financial markets, including that of equity and fixed income investments in the United States and abroad, and may be subject to risks associated with investing in high-yield, small-cap, commodity-linked, and foreign securities. Leverage can increase market exposure, magnify investment risks, and cause losses to be realized more quickly. No Managed Retirement Fund is considered a complete retirement program, and there is no guarantee that any single fund will provide sufficient retirement income at or through retirement. Principal invested is not guaranteed at any time, including at or after the funds’ target dates. The fund is designed primarily for investors who seek to convert accumulated assets into regular withdrawals over time. As with any mutual fund, withdrawals will reduce the investment balance, and future returns are not earned on amounts withdrawn.

By using these communications, you represent that you are an authorized representative of the organization for which you are copying, distributing, posting, or otherwise using the Fidelity-prepared communications attached here, and you accept these terms and conditions on behalf of the organization.

FOR PLAN SPONSOR AND INVESTMENT PROFESSIONAL USE ONLY.

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

1013994.7.0