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Off Track Investment Mix Campaign

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Campaign Overview

When your employees’ investment mix isn’t on track to meet their retirement goals—a targeted and personalized message is sent to drive awareness and educate them about the importance of having an appropriate asset allocation.

Fidelity encourages your employees to review their approach and if they are managing their own investments and no longer want to, they can learn about the ways we can help—managed account that creates a personalized investment strategy or a target date fund that is based on an expected retirement year.

Campaign Details

Who's included: All active and term participants in plans that offer Fidelity’s managed account service who are not already enrolled and not 100% in a target date fund, +/-10% or more off track in their investment mix.*

How we’ll communicate: This multi-channel campaign includes an email, NetBenefits® messaging and mobile in-app messaging.

When: Week of February 19, 2024 (Mobile in-app message runs for 8 weeks)

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 February 8, 2024, 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.

Diversification and asset allocation do not ensure a profit or guarantee against loss.

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 Fidelity Personal and Workplace Advisors LLC and Strategic Advisers LLC. Both are registered investment advisers, are Fidelity Investments companies 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

©2023 FMR LLC. All rights reserved

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