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Contact Fidelity for a prospectus or, if available, a summary prospectus containing this information. Read it carefully. This information is intended to be educational and is not tailored to the investment needs of any specific investor. Past performance is no guarantee of future results. Be sure to consider all your available options and the applicable fees and features of each before moving your retirement assets. Annuity guarantees are subject to the claims-paying ability of the issuing insurance company. Stock markets are volatile and can decline significantly in response to adverse issuer, political, regulatory, market, or economic developments. Fidelity does not provide legal or tax advice. The information herein is general in nature and should not be considered legal or tax advice. Consult an attorney or tax professional regarding your specific situation. The stocks mentioned are not necessarily holdings invested in by Fidelity. References to specific company stocks should not be construed as recommendations or investment advice. The statements and opinions are those of the speaker, do not necessarily represent the views of Fidelity as a whole, and are subject to change at any time, based on market or other conditions. In general, the bond market is volatile, and fixed income securities carry interest rate risk. (As interest rates rise, bond prices usually fall, and vice versa. This effect is usually more pronounced for longer-term securities.) Fixed income securities also carry inflation risk, liquidity risk, call risk, and credit and default risks for both issuers and counterparties. Unlike individual bonds, most bond funds do not have a maturity date, so holding them until maturity to avoid losses caused by price volatility is not possible. ETFs are subject to market fluctuation and the risks of their underlying investments. ETFs are subject to management fees and other expenses. Options trading entails significant risk and is not appropriate for all investors. Certain complex options strategies carry additional risk. Before trading options, please read https://click.fidelityinvestments.com/u/?qs=9d4a214b31a45c39d7e17230c51520579afa44668fcb39d73e65828f062ab12c8e5e5ebcd028737f8249faba7edf782a1ce094a7772a6ba4 Characteristics and Risks of Standardized Options. Supporting documentation for any claims, if applicable, will be furnished upon request. Exchange-traded products (ETPs) are subject to market volatility and the risks of their underlying securities, which may include the risks associated with investing in smaller companies, foreign securities, commodities, and fixed income investments. There are additional costs associated with option strategies that call for multiple purchases and sales of options, such as spreads, straddles, and collars, as compared to a single option trade. Sector investing can be more volatile because of their narrow concentration in a specific industry. Digital assets are speculative and highly volatile, can become illiquid at any time, and are for investors with a high risk tolerance. Investors in digital assets could lose the entire value of their investment. Diversification cannot ensure a profit or protect against loss. Any fixed income security sold or redeemed prior to maturity may be subject to a substantial gain or loss. Your ability to sell a CD on the secondary market is subject to market conditions. If your CD has a step rate, the interest rate of your CD may be higher or lower than prevailing market rates. The initial rate on a step rate CD is not the yield to maturity. If your CD has a call provision, which many step rate CDs do, please be aware the decision to call the CD is at the issuer's sole discretion. Also, if the issuer calls the CD, you may be confronted with a less favorable interest rate at which to reinvest your funds. Fidelity makes no judgment as to the credit worthiness of the issuing institution. Fidelity Brokerage Services LLC does not offer a direct investment in digital assets nor provide clearing or custody services for such assets. Fidelity does not provide legal or tax advice and the information provided above is general in nature and should not be considered legal or tax advice. Consult with an attorney or tax professional regarding your specific legal or tax situation. The third parties mentioned herein and Fidelity Investments are independent entities and are not legally affiliated. The third-party trademarks and service marks appearing herein are the property of their respective owners. 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Plus, ghostly taxes, Medicare need-to-knows, locking in steady income, and the Fed.
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