Investors should note that the views expressed may no longer be current and may have already been acted upon. Fidelity only offers information on products and services and does not provide investment advice based on individual circumstances, other than when specifically stipulated by an appropriately authorised firm, in a formal communication with the client. Fidelity International refers to the group of companies which form the global investment management organisation that provides information on products and services in designated jurisdictions outside of North America.
This communication is not directed at, and must not be acted upon by persons inside the United States and is otherwise only directed at persons residing in jurisdictions where the relevant funds are authorised for distribution or where no such authorisation is required.
Unless otherwise stated all products and services are provided by Fidelity International, and all views expressed are those of Fidelity International. Research professionals include both analysts and associates. The Prospectus may also be obtained from Fidelity. Continental Europe: We recommend that you obtain detailed information before taking any investment decision.
Austria: Investments should be made on the basis of the current prospectus and KIID key investor information document , which are available along with the current annual and semi-annual reports free of charge from our distributors and from our European Service Centre in Luxembourg, FIL Luxembourg S.
Croatia: Investments should be made on the basis of the current prospectus and KIID key investor information document , which are available along with the current annual and semi-annual reports free of charge from our distributors, from our European Service Centre in Luxembourg, FIL Luxembourg S. The document is available in French upon request. If you do not wish to receive documents in English dedicated to Professional, please contact your Fidelity contact.
Germany: Any performance disclosure is not compliant with German regulations regarding retail clients and must therefore not be handed out to these. Liechtenstein: Investments should be made on the basis of the current prospectus and KIID key investor information document , which are available along with the current annual and semi-annual reports free of charge from our distributors, from our European Service Centre in Luxembourg, FIL Luxembourg S.
Netherlands: Investments should be made on the basis of the current prospectus and KIID key investor information document , which are available along with the current annual and semi-annual reports free of charge from our distributors, and from our European Service Centre in Luxembourg, FIL Luxembourg S.
The Fund is authorised to offer participation rights in the Netherlands pursuant to article 3 in conjunction with article and Financial Supervision Act. No statements or representations made in this document are legally binding on Fidelity or the recipient and do not constitute an offer within the meaning of the Polish Civil Code Act of 23 April Investments should be made on the basis of the current prospectus, the KIID key investor information document and the Additional Information for Investors, which are available along with the current annual and semi-annual reports free of charge from our distributors, from our European Service Centre in Luxembourg FIL Luxembourg S.
Romania: Investments should be made on the basis of the current prospectus and KIID key investor information document , which are available along with the current annual and semi-annual reports free of charge from our distributors and from our European Service Centre in Luxembourg, FIL Luxembourg S.
Slovakia: Investments should be made on the basis of the current prospectus and KIID key investor information document , which is available along with the current annual and semi-annual reports free of charge from our distributors, from our European Service Centre in Luxembourg, FIL Luxembourg S. Download the Fund flyer Find out more about the features of the fund. Increased life expectancy is changing the way we live and work. Longer working lives in an increasingly knowledge-based global economy and less manual or factory-based work will keep a higher proportion of older people working and saving well in to what was traditionally considered to be retirement age.
Working and saving for longer mean that this cohort is expected to continue to buy bonds for their predictive income streams, with global demographic demand for bonds expected to peak in In the aftermath of the global financial crisis, regulators pushed out a raft of tighter measures aimed at reducing risk, both idiosyncratic and systemic risk. For insurers, a combination of Solvency II requirements - an EU-wide regulatory framework introduced in - and lower interest rates have pushed them to re-assess their portfolios, driving up demand for income-related products.
Changes to UK rules on pensions are also expected to accelerate demand for these solutions. In , UK savers were granted full access to their pension funds, allowing them to withdraw cash either to spend or reinvest. This meant that people were no longer forced to use their pensions to buy an annuity - they could decide to take control of their pensions funds and opt for income generating funds to provide a steady source of income in retirement.
For instance, an annuity can be used to cover regular, essential expenses while more diversified investments can provide inflation-protected income to cover additional expenses. A number of products such as target date funds and income drawdown solutions, are now being offered to savers in this decumulation phase. A combination of rising volatility, low returns and unpredictable market conditions have worsened funding levels in schemes 7 , making it harder for them to meet their future cash flow obligations, and achieve sustainable returns on their funds.
Schemes that are closed to new members, and not receiving any inflows through member contributions, have also struggled to manage their cash flow to meet their near-term commitments. For these schemes, investing in income products can allow them to make their investments work harder to deliver on their dual objective of generating income to meet cash requirements and growing capital over time.
In a world where the investment responsibility has shifted to the individual, with the move from state pension to private pension provision and from defined benefit to defined contribution pensions, investors will have to take on more risk to earn a higher income, especially in a lower-for-longer interest rate environment.
This means looking beyond traditional asset classes for income. By investing across a range of asset classes, savers can earn a steady income for the long-term, as well as preserving capital in more volatile periods. The value of investments and the income from them can go down as well as up so you may get back less than you invest.
Past performance is not a reliable indicator of future results. These materials are provided for information purposes only and are intended only for the person or entity to which it is sent. These materials do not constitute a distribution, an offer or solicitation to engage the investment management services of Fidelity, or an offer to buy or sell or the solicitation of any offer to buy or sell any securities or investment product.
Fidelity makes no representations that the contents are appropriate for use in all locations or that the transactions or services discussed are available or appropriate for sale or use in all jurisdictions or countries or by all investors or counterparties. Investors should also note that the views expressed may no longer be current and may have already been acted upon by Fidelity. They are valid only as of the date indicated and are subject to change without notice.
It must not be reproduced or circulated to any other party without prior permission of Fidelity. This communication is not directed at and must not be acted on by persons inside the United States and is otherwise only directed at persons residing in jurisdictions where the relevant funds are authorised for distribution or where no such authorisation is required.
Fidelity is not authorised to manage or distribute investment funds or products in, or to provide investment management or advisory services to persons resident in, mainland China. All persons and entities accessing the information do so on their own initiative and are responsible for compliance with applicable local laws and regulations and should consult their professional advisers.
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