Tax-efficient solutions
A lifetime of tax-smart investing
Whether you’re trying to build savings during your working years or access those savings later in retirement, tax-smart solutions are an important part of your financial plan. When it comes to non-registered investing, tax efficiency is half of the equation. The other half is investment quality. At Fidelity, we don’t make you choose one over the other.
Fidelity has the products and services to help you build and maintain a tax-efficient investment strategy – and we can help you work closely with your advisor with a suite of products. We’re an industry leader in the variety of investment classes that we make available for tax-smart portfolio construction, giving you the flexibility to achieve a wide range of investment objectives.
Corporate Class
During the years leading up to retirement, you’ll want to make sure your savings have good growth potential. For those in their asset accumulation years, Fidelity Corporate Class offers tax-deferred growth through the potential for reduced taxable distributions, which means more money staying in your account to grow.
Benefits of corporate class
Tax-efficient growth: The benefits of using Corporate Class - Chinese version: 節稅增長:使用企業類別的優惠
Capital dividend account
Tax-Smart Withdrawal Program
Fidelity Tax-Smart Withdrawal Program® (T-SWP®)
When you reach the point in your life when you want to begin reaping the benefits of your investment plan, you’ll need to consider how best to access your non-registered savings. For those in their retirement and wealth preservation years, Fidelity T-SWP® and T-SWP® Class provide the flexibility to develop customizable and sustainable solutions by generating tax-efficient cash flow.
With T-SWP and T-SWP Class, you can
- receive tax-efficient monthly cash flow (available in 5% and 8% cash-flow options on a broad range of Fidelity solutions)
- change between 5% and 8% without triggering capital gains tax
- turn the cash flow on or off (or adjust it) according to your needs
- transfer wealth to a charity in a tax-smart way.
Tax Smart related tools
T-SWP related content
Questions about T-SWP - Chinese version: 有關富達節稅提款計劃® (T-SWP®)的問題
Talk to your advisor for more information on Fidelity’s tax-smart solutions.