FIDELITY INVESTMENTS (R) MUTUAL FUNDS PERFORMANCE REPORT PERFORMANCE UPDATE

Transcription

1 FELITY INVESTMENTS (R) MUTUAL FUNDS PERFORMANCE REPORT PERFORMANCE UPDATE AS OF MARCH 1, 2015 UNDERSTANDING INVESTMENT PERFORMANCE As you review this update, please remember that the performance data stated represents past performance, which does not guarantee future results. Investment return and principal value of an investment will fluctuate; therefore, you may have a gain or loss when you sell your shares. Current performance may be higher or lower than the performance stated. To learn more or to obtain the most recent month-end performance, call Fidelity at or visit (log in, choose plan, select "Investment Choices & Research," and then pick investment option). LIFECYCLE Month YTD 1 5 FFKVX Fidelity Freedom K , n/a /02/09 n/a FFKCX Fidelity Freedom K 20 1, n/a /02/09 n/a 0.50 FKVFX Fidelity Freedom K , n/a.1 7/02/09 n/a FFKDX Fidelity Freedom K , n/a /02/09 n/a FKTWX Fidelity Freedom K , n/a /02/09 n/a 0.6 FFKEX Fidelity Freedom K 200 1, n/a /02/09 n/a FKTHX Fidelity Freedom K 205 1, n/a 1.4 7/02/09 n/a FFKFX Fidelity Freedom K , n/a /02/09 n/a FFKGX Fidelity Freedom K , n/a /02/09 n/a FFKHX Fidelity Freedom K , n/a /02/09 n/a FDENX Fidelity Freedom K , n/a n/a 9.0 6/01/11 n/a FDKNX Fidelity Freedom K , n/a n/a n/a /05/14 n/a FFKAX Fidelity Freedom K Income 1, n/a 6.4 7/02/09 n/a ASSET ALLOCATION FASIX Fidelity Asset Manager 20% /01/92 n/a 0.50 FTANX Fidelity Asset Manager 0% 1, n/a 4.46 /09/07 n/a FFANX Fidelity Asset Manager 40% 1, n/a 4.66 /09/07 n/a FASMX Fidelity Asset Manager 50% /28/88 n/a FSANX Fidelity Asset Manager 60% 1, n/a 4.95 /09/07 n/a 0.70 FASGX Fidelity Asset Manager 70% /0/91 n/a 0.70 FAMRX Fidelity Asset Manager 85% /24/99 n/a MONEY MARKET FDRXX Fidelity Cash Reserves 15 7-Day Yield % as of 0/1/2015: 0.01 SPAXX Fidelity Government Money Market 15 7-Day Yield % as of 0/1/2015: 0.01 SPRXX Fidelity Money Market 15 7-Day Yield % as of 0/1/2015: //79 n/a /05/90 n/a /2/89 n/a The current yield reflects the current earnings of the fund, while the total return refers to a specific past holding period. 1

2 AS OF MARCH 1, 2015 MONEY MARKET (continued) FGMXX FRTXX Fidelity Money Market Trust Retirement Government Money Market Portfolio 15 7-Day Yield % as of 0/1/2015: 0.01 Fidelity Money Market Trust Retirement Money Market Portfolio 15 7-Day Yield % as of 0/1/2015: 0.01 FSLXX Fidelity Select Money Market Portfolio 15 7-Day Yield % as of 0/1/2015: 0.01 FDLXX Fidelity Treasury Only Money Market 15 7-Day Yield % as of 0/1/2015: 0.01 FGRXX Fidelity U.S. Government Reserves 15 7-Day Yield % as of 0/1/2015: 0.01 BOND - GOVERNMENT Month YTD /16/88 n/a /02/88 n/a /0/85 n/a /05/88 n/a /0/81 n/a 0.20 FGMNX Fidelity GNMA /08/85 n/a FGOVX Fidelity Government Income /04/79 n/a FSTGX Fidelity Intermediate Government Income /02/88 n/a FFXSX Fidelity Limited Term Government //86 n/a FIBAX Spartan Intermediate Treasury Bond Index /20/05 n/a Fidelity Advantage Class 16 FLBAX Spartan Long-Term Treasury Bond Index - Fidelity Advantage Class /20/05 n/a 0.0 FSBAX Spartan Treasury Bond Index - Fidelity Advantage Class /20/05 n/a 0.0 BOND - DIVERSIFIED FCONX Fidelity Conservative Income Bond 1, n/a n/a 0.57 /0/11 n/a FCBFX Fidelity Corporate Bond n/a /04/ n/a FTHRX Fidelity Intermediate Bond /2/75 n/a FBNDX Fidelity Investment Grade Bond /06/71 n/a FMSFX Fidelity Mortgage Securities /1/84 n/a FSHBX Fidelity Bond /15/86 n/a FSICX Fidelity Strategic Income /01/98 n/a FTBFX Fidelity Total Bond /15/02 n/a FSITX FWHBX Spartan U.S. Bond Index - Fidelity /08/90 n/a Advantage Class 1,2,16 Strategic Advisers Core Income Multi-Manager n/a n/a.24 6/19/12 n/a BOND - INFLATION-PROTECTED FINPX Fidelity Inflation-Protected Bond /26/02 n/a FSIYX Spartan Inflation-Protected Bond Index - Fidelity Advantage Class n/a n/a /16/12 n/a 0.0 The current yield reflects the current earnings of the fund, while the total return refers to a specific past holding period. 2

3 AS OF MARCH 1, 2015 BOND - HIGH YIELD Month YTD 1 5 FAGIX Fidelity Capital & Income 16, /01/77 1/ FFRHX Fidelity Floating Rate High Income,16, /16/00 1/ FHIFX Fidelity Focused High Income 16, /08/04 1/ FGHNX Fidelity Global High Income 1,16, n/a n/a /11/11 1/ SPHIX Fidelity High Income 16, /29/90 1/ FSADX Strategic Advisers Income Opportunities of n/a n/a /19/12 1/ s 1,16,17 BOND - INTERNATIONAL/GLOBAL FNMIX Fidelity New Markets Income /04/9 1/ BALANCED/HYBR FBAKX Fidelity Balanced - Class K 4, /06/86 n/a FFNOX Fidelity Four-in-One Index 1, /29/99 n/a FPUKX Fidelity Puritan - Class K 4, /16/47 n/a FSDIX Fidelity Strategic Dividend & Income /2/0 n/a FSRRX Fidelity Strategic Real Return /07/ / BALANCED/HYBR - CONVERTIBLES FCVSX Fidelity Convertible Securities /05/87 n/a BALANCED/HYBR - INTERNATIONAL FGBLX Fidelity Global Balanced /01/9 1/ FDYSX Fidelity Global Strategies 5, n/a.18 /1/07 n/a DOMESTIC EQUITIES - LARGE VALUE FBCVX Fidelity Blue Chip Value /17/0 n/a 0.70 FETKX Fidelity Equity Dividend Income - Class K 4, /21/90 n/a FEIKX Fidelity Equity-Income - Class K 4, /16/66 n/a FLVEX Fidelity Large Cap Value Enhanced Index n/a /19/07 n/a FSLVX Fidelity Stock Selector Large Cap Value /15/01 n/a FVDKX Fidelity Value Discovery - Class K 4, //02 n/a FKMOX Strategic Advisers Value Multi-Manager n/a n/a /16/11 n/a 1.20 DOMESTIC EQUITIES - M VALUE FLCKX Fidelity Leveraged Company Stock - Class /19/00 1.5/ K 4,1,18 FLPKX Fidelity Low-Priced Stock - Class K 4,1, /27/89 1.5/ FSMVX Fidelity Mid Cap Value 1, /15/ / FVLKX Fidelity Value - Class K 4,1, /01/78 n/a FVSKX Fidelity Value Strategies - Class K 4,1, /1/8 n/a 0.50

4 AS OF MARCH 1, 2015 DOMESTIC EQUITIES - SMALL VALUE Month YTD 1 5 FCPVX Fidelity Small Cap Value 1, /0/04 1.5/ DOMESTIC EQUITIES - LARGE BLEND FDEKX Fidelity Disciplined Equity - Class K 4, /28/88 n/a 0.90 FDGKX Fidelity Dividend Growth - Class K 4, /27/9 n/a FGIKX Fidelity Growth & Income Portfolio - Class K 4, /0/85 n/a 0.50 FLCEX Fidelity Large Cap Core Enhanced Index n/a /19/07 n/a FLCSX Fidelity Large Cap Stock /22/95 n/a FGRTX Fidelity Mega Cap Stock /28/98 n/a FUSVX FSTVX Spartan 500 Index - Fidelity Advantage /17/88 n/a Class 1,6,1 Spartan Total Market Index - Fidelity /05/97 0.5/ Advantage Class 1,6,1 FLAUX Strategic Advisers Core Multi-Manager 1, n/a n/a /16/11 n/a DOMESTIC EQUITIES - M BLEND FMEIX Fidelity Mid Cap Enhanced Index 1, n/a /20/ / FSEVX FSCKX Spartan Extended Market Index - Fidelity /05/ / Advantage Class 6,1,18 Spartan Mid Cap Index - Fidelity n/a n/a /08/ /0 0.2 Advantage Class 1,1,18 DOMESTIC EQUITIES - SMALL BLEND FSCRX Fidelity Small Cap Discovery 1, /26/00 1.5/ FCPEX Fidelity Small Cap Enhanced Index 1, n/a /20/07 1.5/ FSLCX Fidelity Small Cap Stock 1, /12/98 2/ FDSCX Fidelity Stock Selector Small Cap 1, /28/9 1.5/ FSSVX FNAPX Spartan Small Cap Index - Fidelity n/a n/a /08/11 1.5/ Advantage Class 1,1,19 Strategic Advisers Small-Mid Cap Multi-Manager n/a n/a /20/11 1.5/ ,1,19 DOMESTIC EQUITIES - LARGE GROWTH FFTYX Fidelity Fifty /17/9 n/a 0.80 FBGKX Fidelity Blue Chip Growth - Class K 4, /1/87 n/a FCAKX Fidelity Capital Appreciation - Class K 4, /26/86 n/a FCNKX Fidelity Contrafund - Class K 4, /17/67 n/a FEXKX Fidelity Export and Multinational - Class K 4, /04/ / FTQGX Fidelity Focused Stock 1, /12/96 n/a FFDKX Fidelity - Class K 4, /0/0 n/a 0.4 FGCKX Fidelity Growth Company - Class K 4, /17/8 n/a 0.7 FGDKX Fidelity Growth Discovery - Class K 4, /1/98 n/a

5 AS OF MARCH 1, 2015 DOMESTIC EQUITIES - LARGE GROWTH (continued) Month YTD 1 5 FDFKX Fidelity Independence - Class K 4, /25/8 n/a FLGEX Fidelity Large Cap Growth Enhanced Index n/a 8.0 4/19/07 n/a FMGKX Fidelity Magellan - Class K 4, /02/6 n/a FNCMX Fidelity Nasdaq Composite Index 1, /25/0 0.75/ FMILX Fidelity New Millennium /28/92 n/a FOCKX Fidelity OTC Portfolio - Class K 4, /1/84 n/a FSSKX Fidelity Stock Selector All Cap - Class K 4, /28/90 n/a FTRNX Fidelity Trend 7, /16/58 n/a FMELX Strategic Advisers Growth Multi-Manager 1 DOMESTIC EQUITIES - M GROWTH n/a n/a /16/11 n/a FAGKX Fidelity Growth Strategies - Class K 4,1, /28/90 1.5/ FKMCX Fidelity Mid-Cap Stock - Class K 4,1, /29/ / FSSMX Fidelity Stock Selector Mid Cap 8,1, /20/96 n/a 0.8 DOMESTIC EQUITIES - SMALL GROWTH FCPGX Fidelity Small Cap Growth 1, /0/04 1.5/ INTERNATIONAL/GLOBAL FGBFX Fidelity Global Bond 1,1, n/a n/a /22/12 n/a FINUX Fidelity International Bond 1,1, n/a n/a /22/12 n/a INTERNATIONAL/GLOBAL - DIVERSIFIED FDIKX Fidelity Diversified International - Class K 4,1, /27/91 1/ FGILX Fidelity Global Equity Income 1, n/a n/a /02/12 1/ FIVFX Fidelity International Capital Appreciation 1, /01/94 1/ FKX Fidelity International Discovery - Class K 4,1, /1/86 1/ FIENX Fidelity International Enhanced Index 1, n/a /20/07 1/ FIGFX Fidelity International Growth 1,1, n/a /01/07 1/ FISMX Fidelity International Small Cap 1, /18/02 2/ FSCOX Fidelity International Small Cap Opportunities /02/05 2/ ,20 FIVLX Fidelity International Value 1,1, n/a /18/06 1/ FOSKX Fidelity Overseas - Class K 4,1, /04/84 1/ FTIEX Fidelity Total International Equity 1,1, n/a /01/07 1/ FWWFX Fidelity Worldwide 1, /0/90 1/

6 AS OF MARCH 1, 2015 INTERNATIONAL/GLOBAL - DIVERSIFIED (continued) FSGDX FSIVX FMJDX Month YTD 1 5 Spartan Global ex U.S. Index - Fidelity n/a n/a 7.0 9/08/11 1/ Advantage Class 1,1,20 Spartan International Index - Fidelity /05/97 1/ Advantage Class 1,6,1,20 Strategic Advisers International Multi-Manager n/a n/a.61 5/02/12 1/ ,20 INTERNATIONAL/GLOBAL - REGIONAL FICDX Fidelity Canada 1, /17/87 1.5/ FHKCX Fidelity China Region 1, /01/95 1.5/ FSEAX Fidelity Emerging Asia 9,1, /19/9 1.5/ FIEUX Fidelity Europe 1,1, /01/86 1/ FJPNX Fidelity Japan 1,1, /15/92 1.5/ FJSCX Fidelity Japan Smaller Companies 1, /01/95 1.5/ FLATX Fidelity Latin America 1, /19/9 1.5/ FNORX Fidelity Nordic 1, /01/95 1.5/ FPBFX Fidelity Pacific Basin 1, /01/86 1.5/ INTERNATIONAL/GLOBAL - EMERGING MARKETS FEMEX Fidelity Emerging Europe, Middle East, Africa n/a /08/08 1.5/ (EMEA) 1,20 FEDDX Fidelity Emerging Markets Discovery 1, n/a n/a /01/11 2/ FKEMX Fidelity Emerging Markets - Class K 4,1, /01/90 1.5/ FTEMX Fidelity Total Emerging Markets 1,1, n/a n/a /01/11 1.5/ FPMAX FLILX Spartan Emerging Markets Index - Fidelity n/a n/a /08/11 1.5/ Advantage Class 1,1,20 Strategic Advisers Emerging Markets of n/a n/a /02/12 1.5/ s 1,1,20 INTERNATIONAL/GLOBAL - SPECIALTY FIREX SPECIALTY Fidelity International Real Estate 1,1,20,21, /08/04 1.5/ FFGCX Fidelity Global Commodity Stock 1, n/a 4.29 /25/09 1/0 1.1 FRIFX Fidelity Real Estate Income 1,21, /04/0 0.75/ FRESX Fidelity Real Estate Investment Portfolio 1,21, /17/ / FSAIX Fidelity Select Air Transportation Portfolio 1, /16/ / FSAVX Fidelity Select Automotive Portfolio 1, /0/ / FSRBX Fidelity Select Banking Portfolio 1, /0/86 n/a 0.8 FBIOX Fidelity Select Biotechnology Portfolio 1, /16/ / FSLBX Fidelity Select Brokerage and Investment /29/ / Management Portfolio 1,21 6

7 AS OF MARCH 1, 2015 SPECIALTY (continued) Month YTD 1 5 FSCHX Fidelity Select Chemicals Portfolio 1, /29/ /0 0.8 FSDCX Fidelity Select Communications Equipment /29/ / Portfolio,1,21 FDCPX Fidelity Select Computers Portfolio 1, /29/ / FSHOX FSCPX Fidelity Select Construction and Housing /29/ /0 0.8 Portfolio 1,21 Fidelity Select Consumer Discretionary Portfolio,1, /29/ / FSVLX FDFAX FSDAX Fidelity Select Consumer Finance Portfolio 11,1,21 Fidelity Select Consumer Staples Portfolio,1,21 Fidelity Select Defense and Aerospace Portfolio 1, /16/ / /29/ / /08/ /0 0.8 FSELX Fidelity Select Electronics Portfolio 1, /29/ / FSENX Fidelity Select Energy Portfolio 1, /14/ / FSESX Fidelity Select Energy Service Portfolio 1, /16/ / FSLEX Fidelity Select Environment and Alternative /29/ / Energy Portfolio 12,1,21 FSX Fidelity Select Financial Services Portfolio 1, // / FSAGX Fidelity Select Gold Portfolio 1, /16/ / FSPHX Fidelity Select Health Care Portfolio 1, /14/ / FSCGX Fidelity Select Industrial Equipment Portfolio 1, /29/ / FCYIX Fidelity Select Industrials Portfolio,1, /0/ /0 0.8 FSPCX Fidelity Select Insurance Portfolio 1, /16/ / FBSOX Fidelity Select IT Services Portfolio,1, /04/ / FDLSX Fidelity Select Leisure Portfolio 1, /08/ / FSDPX Fidelity Select Materials Portfolio,1, /29/ / FSHCX Fidelity Select Medical Delivery Portfolio 1, /0/ / FSMEX Fidelity Select Medical Equipment and Systems /28/ / Portfolio 1,21 FBMPX Fidelity Select Multimedia Portfolio 1, /0/ /0 0.8 FSNGX Fidelity Select Natural Gas Portfolio 1, /21/9 0.75/ FNARX Fidelity Select Natural Resources Portfolio 1, /0/ / FPHAX Fidelity Select Pharmaceuticals Portfolio 1, /18/ / FSRPX Fidelity Select Retailing Portfolio 1, /16/ / FSCSX Fidelity Select Software and Computer Services /29/ / Portfolio 1,21 FSPTX Fidelity Select Technology Portfolio 1, /14/ /

8 AS OF MARCH 1, 2015 SPECIALTY (continued) FSTCX Fidelity Select Telecommunications Portfolio 1,21 Month YTD /29/ / FSRFX Fidelity Select Transportation Portfolio 1, /29/ / FSUTX Fidelity Select Utilities Portfolio,1, // / FWRLX Fidelity Select Wireless Portfolio 1, /21/ / FIUIX Fidelity Telecom and Utilities 1, /27/87 n/a 0.8 FSRVX Spartan Real Estate Index - Fidelity n/a n/a /08/ / Advantage Class 1,1,21,22 n/a = Not Applicable/None - - = Not Available MARKET INDICATORS Month YTD 1 5 For comparison purposes only. It is not possible to invest directly in these indicators. Barclays Int Govt/Cr Bond Barclays U.S. Agg Bond DJ Industrial Average MSCI EAFE (Net MA) S&P Russell n/a = Not Applicable/None - - = Not Available Total returns are historical and include change in share value and reinvestment of dividends and capital gains, if any. total returns are reported as of the period indicated. fund figures are reported as of the inception date to the period indicated. These figures do not include the effects of sales charges, if any, as these charges are waived for contributions made through your company s employee benefit plan. If sales charges were included, returns would have been lower. EXPENSE RATIO A mutual fund expense ratio is the total annual fund or class operating expenses (before waivers or reimbursements) paid by the fund and stated as a percent of the fund s total net assets. For other types of investments, the figure in the expense ratio field reflects similar information, but may have been calculated differently than for mutual funds. Mutual fund data comes from the fund s prospectus. For non-mutual fund investment options, the information has been provided by the plan sponsor, the investment option s manager or the trustee. When no ratio is shown for these options it is because none was available. There may be fees and expenses associated with the investment option. information changes periodically. Please consult NetBenefits for updates. SPECIFIC FUNDS Morningstar, Inc., provided data on the non-fidelity mutual funds. Although the data is gathered from reliable sources, accuracy and completeness cannot be guaranteed by Morningstar. 1 Fidelity is voluntarily reimbursing a portion of the fund's expenses. If Fidelity had not, the returns would have been lower. 8

9 AS OF MARCH 1, On May 4, 2011, an initial offering of the Fidelity Advantage Share Class took place. Returns prior to that date are those of the Investor Class and reflect the Investors Class' expense ratio. Had the Fidelity Advantage Class' expense ratio been reflected, total returns would have been higher. Initial offering of the Fidelity Floating Rate High Income took place on September 19, Returns and expenses prior to that date are those of the Fidelity Advisor Floating Rate High Income - Institutional Class. Had Fidelity Floating Rate High Income expenses been reflected in the returns shown, total returns would have been higher. 4 On May 9, 2008, an initial offering of the retirement (K) class took place. Returns and expenses prior to that date are those of the non-k, non-advisor class. Had K class expenses been reflected in the returns shown, total returns would have been higher. 5 Prior to June 1, 2011, the fund operated under certain different investment policies and compared its performance to a different benchmark. The fund's historical performance may not represent its current investment policies. 6 On October 14, 2005, an initial offering of the Fidelity Advantage Share Class took place. Returns prior to that date are those of the Investor Class and reflect the Investors Class' expense ratio. Had the Fidelity Advantage Class' expense ratio been reflected, total returns would have been higher. 7 Prior to February 1, 2007, Trend operated under certain different investment policies and compared its performance to a different index. The fund's historical performance may not represent its current investment policies. 8 Initial offering of the Fidelity Stock Selector Mid Cap Retail Class took place on June 6, Returns prior to that date are those of the Fidelity Advisor Stock Selector Mid Cap - Class I and reflect the Class I's expense ratio. Had the Fidelity Stock Selector Mid Cap Retail Class expense ratio been reflected, total returns would have been lower. 9 Prior to December 1, 20, Fidelity Emerging Asia operated under certain different investment policies and compared its performance to a different benchmark. The fund's historical performance may not represent its current investment policies. Prior to October 1, 2006, Fidelity Select IT Services, Select Consumer Discretionary, Select Industrials, Select Communications Equipment, Select Consumer Staples, Select Materials, and Select Utilities Growth Portfolios operated under different investment policies, and compared their performance to different benchmarks. The fund's historical performance might not represent its current investment policies. 11 Prior to December 1, 20, Select Consumer Finance Portfolio operated under certain different investment policies and compared its performance to a different additional benchmark. The fund's historical performance may not represent its current investment policies. 12 Prior to July 1, 20, the fund was named Fidelity Select Environmental Portfolio, operated under certain different investment policies, and compared its performance to a different benchmark. The fund's historical performance may not represent its current investment policies. INVESTMENT RISK 1 Stock markets, especially foreign markets, are volatile and can decline significantly in response to adverse issuer, political, regulatory, market or economic developments. 14 Fidelity Freedom s are designed for investors expecting to retire around the year indicated in each fund's name. Except for the Freedom Income, the funds' asset allocation strategy becomes increasingly conservative as it approaches the target date and beyond. Ultimately, they are expected to merge with the Freedom Income. The investment risks of each Fidelity Freedom change over time as its asset allocation changes. They are subject to the volatility of the financial markets, including equity and fixed income investments in the U.S. and abroad and may be subject to risks associated with investing in high yield, small cap and, commodity-related, foreign securities. Principal invested is not guaranteed at any time, including at or after their target dates. 15 An investment in a money market fund is not insured or guaranteed by the FDIC or any other government agency. Although money market funds seek to preserve the value of your investment at $1 per share, it is possible to lose money by investing in these funds. 16 In general the bond market is volatile and bonds entail interest rate risk (as interest rates rise bond prices usually fall and vice versa). This effect is usually pronounced for longer-term securities. Bonds also entail the risk of issuer default, issuer credit risk and inflation risk. 17 Lower-quality debt securities involve greater risk of default or price changes due to potential changes in the credit quality of the issuer. 18 Investments in mid-sized companies may involve greater risk than those of larger, more well known companies, but may be less volatile than investments in smaller companies. 19 Investments in smaller companies may involve greater risk than those in larger, more well known companies. 20 Foreign investments, especially those in emerging markets, involve greater risk and may offer greater potential returns than U.S. investments. This risk includes political and economic uncertainties of foreign countries, as well as the risk of currency fluctuation. 21 Because of their narrow focus, sector funds may be more volatile than funds that diversify across many sectors. 22 Changes in real estate values or economic downturns can have a significant negative effect on issuers in the real estate industry. 9

10 AS OF MARCH 1, 2015 MARKET INDICATORS Indices are unmanaged and you cannot invest directly in an index Barclays Int Govt/Cr Bond Barclays U.S. Intermediate Government/Credit Bond Index is a market value-weighted index of investment-grade fixed-rate debt securities with maturities from one up to (but not including) ten years from the U.S. Treasury, U.S. Government-Related, and U.S. Corporate Indices. Barclays U.S. Agg Bond The Barclays U.S. Aggregate Bond Index is an unmanaged market value-weighted index for U.S. dollar denominated investment-grade fixed-rate debt issues, including government, corporate, asset-backed, and mortgage-backed securities with maturities of at least one year. DJ Industrial Average The Dow Jones Industrial Average (DJIA) is an unmanaged price-weighted index and is the most widely used indicator of how the country's industrial leaders are performing. Also known as "the Dow," this is a formula based on the stock prices of 0 major companies chosen from sectors of the economy most representative of our country's economic condition. MSCI EAFE (Net MA) The MSCI Europe, Australasia and Far East Index (net MA tax) is an unmanaged market capitalization-weighted index of equity securities of companies domiciled in various countries. The index is designed to represent performance of developed stock markets outside the United States and Canada and excludes certain market segments unavailable to U.S. based investors. The index returns for periods after 1/1/1997 are adjusted for tax withholding rates applicable to U.S.-based mutual funds organized as Massachusetts business trusts. S&P 500 S&P 500 Index is a market capitalization-weighted index of 500 common stocks chosen for market size, liquidity, and industry group representation to represent U.S. equity performance. Russell 2000 The Russell 2000 Index is an unmanaged market capitalization-weighted index of 2,000 small company stocks of U.S. domiciled companies. Before investing in any mutual fund, consider the investment objectives, risks, charges, and expenses. Contact Fidelity for a prospectus or, if available, a summary prospectus containing this information. Read it carefully. Fidelity Brokerage Services LLC, Member NYSE, SIPC 900 Salem Street, Smithfield, RI FMR LLC, All rights reserved