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The ESIP investment options are organized into four tiers:

  • Target Retirement Trusts, each of which is an all-in-one investment that provides diversification and is designed to keep your assets invested appropriately for your stage in life, up to and including your retirement years.
  • Core investments, which include a broad range of options that, when used in combination, can provide significant diversification.
  • Supplemental investments, which are actively managed investments with managers who seek to outperform the market or a specific market segment.
  • Brokerage option, which allows you to invest in thousands of mutual funds and exchange-traded funds (ETFs) from Fidelity and other companies that are not included in the other tiers.

Keep in mind that investing involves risk. The value of your investment will fluctuate over time, and you may gain or lose money.