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.

2019 Tax facts sheet

2018 tax year reference guide

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 your wealth to a spouse, next of kin and/or charity in a tax-smart way

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.