Retirement Investing Tips by Age Investors of different ages have

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					                                      Retirement Investing Tips by Age
Investors of different ages have varying needs, concerns and goals. Below are some tips to help meet those needs and stay on
  track to achieve long-term goals.

30-somethings: Juggling Competing Savings Goals
Savings Challenge:
Those in their 30s are facing a variety of competing savings priorities, from paying down student loans and meeting everyday
spending needs to saving for longer-term goals such as a first home, a family, or retirement.

Tips:
           Contribute to your workplace savings plan. Save as much as you can through your 401(k) or 403(b) plan. Even
        if you can’t afford to contribute the maximum, set aside enough to qualify for your company match.
           Make a plan. Use online financial planning calculators and tools, such as Fidelity’s myPlansm Snapshot1 and
        myPlan Retirement Quick Check2, to create a retirement savings plan. Through them, you can help identify your
        retirement goal and create a retirement savings plan in as little as 30 minutes.
           Consider an IRA. Think about opening an IRA to save even more. For many, a Roth IRA, which allows your
        contributions to grow tax-free if certain conditions are met, may be a great option. Programs with no fees3, easy
        account opening and monthly automatic savings options, like Fidelity’s SimpleStartsm IRA, are designed to help you
        easily get started with IRA investing.
           Automate. Consider an automatic monthly investing program for your IRA or workplace savings plan to make sure
        you stay on track, maximize potential earnings and don’t miss contribution deadlines. Lifecycle funds, like Fidelity
        Freedom Funds,®4 base their asset allocation on a target retirement date and can also be a great option for those who
        want to “set it, and forget it.”
           Consolidate Assets. Consider consolidating any workplace retirement plans or rollover IRAs from previous
        employers into one Rollover IRA. This will help you see your complete “financial picture.”

40-somethings: Closing the Gap
Savings Challenge:
Those in their 40s may be balancing multiple financial priorities such as investing for retirement, funding their children’s
college savings and paying off mortgage debt.

Tips:
      Monitor your plan. Now that you have a plan, you should revisit it periodically to ensure that you are on track to meet
    your savings goals. Portfolio assessment tools, like Fidelity’s Portfolio Review tool, can help. If your provider offers
    alerts, you may also want to sign up for one that will notify you automatically if you get too far off track of your target
    asset mix.
      Apply tax-advantaged strategies. Investors in their peak savings years should make retirement a priority by
    maximizing tax-advantaged savings opportunities. Each year, revisit your asset allocation to ensure you are
    appropriately diversified, and consider applying tax sensitive investing strategies.
      Max out. Contribute as much as possible to your IRA & workplace savings plan – maxing out if you can. For 2008,
    IRA and workplace savings plan limits are $5,000 & $15,500 respectively. Skipping just one year’s IRA contribution could
    mean missing out on tens of thousands of dollars in potential earnings at retirement time.
      Consolidate. Just as you would in your 30s, consider consolidating any retirement plans from previous employers,
    and rollover IRAs, so that you can more easily see and monitor your “big financial picture.”
      Leverage professional management. Many employers/providers offer money management services for those who
    do not have the time, or inclination, to manage their own portfolio. Consider taking advantage of the opportunity to have
    a professional team design a portfolio for your specific retirement savings needs and manage it on your behalf.

50-somethings: The Sandwich Years
Savings Challenge:
Those in their 50s are justifiably concerned about rising healthcare costs and saving enough for a comfortable retirement.
They may also be faced with paying college tuition bills and caring for aging parents at the same time.
Tips:
       Catch up. Your 50s are a prime time to “catch up” on tax-advantaged savings. Both workplace savings plans and
    IRAs allow workers aged 50 and over to contribute an extra $5,000 and $1,000 respectively to “catch-up” on savings.
       Check in. Revisit your goals for retirement and make sure you’re on track to fund it. As a starting point for your
    planning, consider aiming to replace 85 percent of your pre-retirement income in retirement. Over time you may refine
    your needs to replace more or less income.
       Learn the system. When you start collecting Social Security and how long you live affect how much you receive. For
    some, it may be better to start collecting earlier while others may want to wait a few years to maximize benefit payments.
       Create your income plan. With year-end statements and tax forms coming in, now is a great time to meet with a
    trusted broker or advisor5, or use an online planning tool, such as Fidelity’s Retirement Income Planner6, to create a
    detailed retirement income plan to help ensure your retirement income will last.
       Adjust your allocation. As retirement comes into view, consider increasing your allocation to fixed income.
Pre-retirees ages 60-64: Preparing for the Transition
Savings Challenge:
Those in their early 60s are nearing retirement and focused on making the transition from saving to living in
retirement. They are beginning to think about when to take Social Security and how they will pay for the rising cost of
health care while in retirement, which Fidelity estimates could be $215,000 for a healthy 65-year-old couple.7
Tips:
      Learn your options. Educate yourself on retirement product and services options that can help you make the
    most of your savings. New products, such as the Fidelity Income Replacement Funds8 for discretionary
    expenses or specific time frames, and low-cost annuities9 like the Fidelity Growth and Guaranteed Incomesm
    annuity10 for a guaranteed income stream in retirement can help you provide a “paycheck” for your retirement.
      Rebalance your portfolio. American workers near retirement who are still investing in a workplace savings
    plan or IRA should consider maintaining a portfolio that includes a significant portion of equities (often 50% to
    70% but will vary depending on personal preference and risk tolerance) to promote potential future growth as
    they make the transition to retirement.
       Learn the laws. Make sure you are aware of the Federal tax and distribution guidelines, such as minimum
    required distributions, that apply to your retirement accounts. If you need help, consider contacting a financial
    representative or working with an advisor.
      Make the transition. You’re ready to officially make the transition into retirement. You’ve identified your
    goals, saved, familiarized yourself with the steps to take to move from saving, into paying yourself in retirement --
    and you have your detailed income plan. Now you just have to implement it. Your employer, your financial
    representative and/or advisor are all excellent resources as you enter this exciting next step in your life.
Before investing, consider the investment objectives, risks, charges, and expenses of the fund and/or annuity and its
      investment options. Call or write to Fidelity or visit Fidelity.com for a free prospectus containing this information.
      Read it carefully.
1myPlansm     Snapshot is an educational calculator offered to use by Fidelity Brokerage Services, LLC, Member NYSE, SIPC, a broker
          dealer offering retail brokerage and insurance products and services or Fidelity Investments Institutional Services Company,
          Inc., a broker dealer offering institutional products and services.

2
    myPlansm Retirement Quick Check and Portfolio Review are educational tools developed by Strategic Advisers, Inc., a registered
         investment adviser and a Fidelity Investments company, and offered for use by Fidelity Brokerage Services LLC, member
         NYSE, SIPC.

3There    is no brokerage account fee on Fidelity's Traditional, Roth, SEP, and Rollover IRAs. Fund expenses and brokerage
          commissions still apply. Depending on your situation, fees may include low-balance fees, short-term trading fees and
          account closing fees.

4Performance      of the Freedom Funds depends on that of their underlying Fidelity funds. These funds are subject to the volatility of
          the financial markets in the U.S. and abroad and may be subject to the additional risks associated with investing in high
          yield, small cap and foreign securities. Fidelity Freedom Funds are managed by Strategic Advisers, Inc., a subsidiary of
          FMR LLC.

5The     term "advisor" includes, but is not necessarily limited to, financial professionals including brokers, financial
           representatives, etc. and does not infer or imply any specific certification, licensing or registration in connection
           with the usage of this term.
6Retirement    Income Planner is an educational tool developed and offered for use by Strategic Advisers, Inc., a registered
          investment adviser and Fidelity Investments company.

7Fidelity   Consulting, 2007. Assumes 65-year-old couple retired in 2007 with no employer-provided retiree health care coverage and
          life expectancies of 17 years for a male and 20 years for a female.

8Performance      of the Fidelity Income Replacement Funds depends on that of their underlying Fidelity funds. These funds are subject
          to the volatility of the financial markets in the U.S. and abroad and may be subject to the additional risks associated with
          investing in high yield, small cap and foreign securities. Please note, the Fidelity Income Replacement Funds and the Smart
          Payment Program may not be appropriate for all investors. Investors who own a Fidelity Income Replacement Fund within a
          tax-advantaged retirement account and who elect to participate in the Smart Payment Program should consult with their tax
          advisers to discuss tax consequences that could result if payments are distributed from their core account prior to age 59 1/2
          or they plan to use the Smart Payment Program, in whole or in part, to meet their annual minimum required distribution. You
          should consult a financial adviser or Fidelity representative to determine whether a Fidelity Income Replacement Fund is
          right for you.

9
    According to Morningstar, Inc., Fidelity Growth and Guaranteed Income's (FGGI's) annual annuity charge of 1.25% for joint lives is
          approximately 40% lower than the industry average annual annuity charge of 2.05% for deferred variable annuities offering
          guaranteed withdrawal benefits for life as of 5/31/07. FGGI does not have a guaranteed minimum death benefit whereas the
          industry average annuity may.

10
     In New York, Growth and Guaranteed Incomesm
         Principal value and investment returns of a variable annuity will fluctuate and you may have a gain or loss when
         money is withdrawn.
         Guaranteed lifetime income is subject to the claims-paying ability of the issuing insurance company.
         Fidelity Growth and Guaranteed Income (Policy Form No. DVA-GWB-2007, et al.) is issued by Fidelity
         Investments Life Insurance Company. Growth and Guaranteed Income (Policy Form No. EDVA-GWB-2007, et
         al.) is issued by Empire Fidelity Investments Life Insurance Company,® New York, NY. Fidelity Brokerage
         Services, Member NYSE, SIPC, and Fidelity Insurance Agency, Inc., are the distributors.



Fidelity Investments is one of the world's largest providers of financial services, with custodied assets of $3.4 trillion, including
         managed assets of $1.6 trillion as of December 31, 2007. Fidelity offers investment management, retirement planning,
         brokerage, and human resources and benefits outsourcing services to 24 million individuals and institutions as well as
         through 5,500 financial intermediary firms. The firm is the largest mutual fund company in the United States, the No. 1
         provider of workplace retirement savings plans, the largest mutual fund supermarket and a leading online brokerage firm. For
         more information about Fidelity Investments, visit http://www.fidelity.com

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                    National Financial Services, Member NYSE/SIPC, 200 Liberty Street, NY4F, New York, NY 10281
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