Get a HeadStart on creating your income portfolio

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1 Get a HeadStart on creating your income portfolio

2 The challenge of creating an income portfolio With interest rates still at record lows, many income investors are finding that bond funds alone don t offer enough yield or growth potential to meet their needs. As a result, more and more investors have turned to equity income funds and multiasset funds. However, it can be a real challenge to blend a selection of these funds together to create a portfolio that suits your attitude to risk and generates the income you need. Three types of income funds Bond funds receive regular interest from the bonds they hold, but have less potential for their holdings to rise in value Multi-asset income funds invest in a mix of asset classes (such as equities, bonds and property). They aim to generate an income with a higher level of diversification, but are riskier than just investing in bond funds Equity income funds generate a regular income by investing in companies that pay dividends. They also have the scope to benefit from rising share prices, but are also the riskiest type of income

3 An easier way to get started with our HeadStart Portfolios Our Fidelity HeadStart Income Portfolios make it much easier for you to create your own range of income funds that you can then manage over the years. Though you can change the asset mix (or the percentage allocation of the asset classes) in these portfolios, there are five blends of asset types on offer, so you can choose the income mix you prefer You can then change the suggested funds, if you want, so you can customise the selection to your needs This online service has been created by Fidelity Solutions, which means it gives you direct access to our experts insight and skills in the fields of fund selection and asset allocation. Important information Please remember the value of investments and the income from them can go down as well as up and you may get back less than you invested. The Fidelity HeadStart Income Portfolios are designed to be a starting point for you, they are not financial advice. You remain in control of the portfolio you pick and how you manage your funds in the future. If you re not comfortable making these decisions, you may be interested in our PathFinder range. Alternatively, you may want to speak with an authorised financial adviser. Before you invest, please ensure you have read Doing Business with Fidelity and the Key Investor Information Document (KIID) or Fund Specific Information Document (FSI), relevant to your chosen fund(s). These documents give you all the information you need to know about Fidelity, including details of the objective, investment policy, risks, charges and past performance associated with the fund(s). Instructions on how to access these documents can be found at fidelity.co.uk/importantinformation. If you do not have a computer or access to the internet please call Fidelity on to request a printed copy of the documents. The Full Prospectus is also available on request from Fidelity.

4 Fidelity HeadStart Income Portfolios Fixed Income Equity Income Multi Asset Fidelity HeadStart Income Portfolio 1 100% Fixed Income Investec Monthly High Income I Inc Net GBP 25% JPM Global High Yield Bond Fund C Net Inc 25% M&G Global Macro Bond Fund I Inc 25% Threadneedle Global Bond Fund RDR Z Inc Net 25% Fidelity HeadStart Income Portfolio 2 50% Fixed Income Investec Monthly High Income I Inc Net GBP 12% JPM Global High Yield Bond Fund C Net Inc 12% M&G Global Macro Bond Fund I Inc 13% Threadneedle Global Bond Fund RDR Z Inc Net 13% 50% Multi Asset Fidelity PathFinder Income 1 50% Fidelity HeadStart Income Portfolio 3 25% Fixed Income M&G Global Macro Bond Fund I Inc 13% Threadneedle Global Bond Fund RDR Z Inc Net 12% 25% Equity Income Artemis Income Fund Class I Inc 12% Henderson UK Equity Income & Growth Fund I Inc 13% 50% Multi Asset Fidelity PathFinder Income 2 50% Available in an ISA and SIPP Funds shown in the HeadStart portfolios are correct as at , but these may change in the future. For the latest portfolio information, please visit our website fidelity.co.uk/headstart

5 Fidelity HeadStart Income Portfolio 4 50% Equity Income Artemis Income Fund Class I Inc 13% Henderson UK Equity Income & Growth Fund I Inc 13% Lazard Global Equity Income Retail C Inc 12% Newton Global Higher Income Fund Inc 12% 50% Multi Asset Fidelity PathFinder Income 3 50% Fidelity HeadStart Income Portfolio 5 100% Equity Income Artemis Income Fund Class I Inc 25% Henderson UK Equity Income & Growth Fund I Inc 25% Lazard Global Equity Income Retail C Inc 25% Newton Global Higher Income Fund Inc 25% When you re happy with your HeadStart Portfolio, it only takes a few clicks to select what you want to invest through, such as an ISA, Investment Account or Self Invested Personal Pension (SIPP) and make your investment. Please remember the eligibility to invest in an ISA, or a SIPP will depend on your personal circumstances. All tax rules may change in the future. Please note, with pension products you will not be able to withdraw money until you reach age 55. It s important to understand that these suggested portfolios are a starting point. They are not financial advice and are for your consideration to establish if they fit your personal circumstances. You remain in control of the portfolio you pick and you are in charge of managing your funds in the future. The price of bonds is influenced by movements in interest rates, changes in the credit rating of bond issuers, and other HeadStart Portfolios are available online only factors such as inflation and market dynamics. In general, as interest rates rise the price of a bond will fall (and vice versa). Bonds with a longer time to maturity are generally affected to a greater degree. The risk of default is based on the issuer s ability to make interest payments and to repay the loan at maturity. For funds that invest in bonds, please remember that, due to the greater possibility of default, an investment in corporate bonds is generally less secure than an investment in government bonds. For funds that invest in overseas markets, changes in currency exchange rates may affect the value of your investment.

6 Income investing powered by Fidelity s experts The Fidelity HeadStart Portfolios are created and managed by Fidelity Solutions. This specialist team of highly experienced fund managers and analysts is dedicated to developing investments that meet the needs of our customers. They have been managing our ready-made portfolios for over 20 years and currently look after more than 28.5 billion* globally. Fidelity Solutions are based in five investment centres worldwide: London Paris Hong Kong Tokyo Singapore This gives them on-the-ground access to markets and fund managers across the globe. They assess and invest in funds by all fund management companies not just Fidelity meaning they can access the best talent in the industry for your investments. *Source: Fidelity Solutions assets under management as at

7 Create your income portfolio today Everything is explained in more detail on our website. Just visit fidelity.co.uk/headstart to get started. Call us on if you need more information, but please remember you can only invest in the Fidelity HeadStart Portfolios online. Keep up to date Want to stay updated on the latest news and views about the Fidelity HeadStart Income Portfolios? Once you choose the portfolio type you are interested in you can request these general updates via . Just visit fidelity.co.uk/ k/heads dsta tart

8 Want a different HeadStart Portfolio? In total there are eight Fidelity HeadStart Portfolios available for you to choose from. Three are focused on key investment themes (like our Income Portfolio) and the other five are based around different levels of investment risk. Risk-based portfolios Low Risk Low-Medium Risk Medium Risk Medium-High Risk High Risk Theme-based portfolios Fidelity HeadStart Income Portfolios Fidelity HeadStart Emerging Markets Portfolios Fidelity HeadStart Two Speed World Portfolios Looking for more investment ideas? Why not try The Select List? Visit fidelity.co.uk/selectlist Issued by FIL Investments International, authorised and regulated by the Financial Conduct Authority. Fidelity, Fidelity Worldwide Investment, the Fidelity Worldwide Investment logo and F symbol are trademarks of FIL Limited. UKD1409/33384/PSSO0567/0315

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