What to consider when investing in crypto

Explore key considerations for your portfolio.

November 17, 2022 View in a browser

FIDELITY VIEWPOINTS® WEEKLY EDITION: November 17, 2022

What to consider when investing in crypto Explore key risk, security, tax, and portfolio considerations before investing in this highly volatile asset class. Read more ▸ Time for CDs? Rising interest rates mean certificates of deposit may now offer investors attractive returns with low risk. Read more ▸ 6 key Medicare questions Learn about Medicare eligibility, choices, costs, and when and how to sign up. Read more ▸ Year-end tax-planning tips for 2022 Consider these steps to take before December 31 to help reduce your 2022 tax bill. Read more ▸ Chart of the week Wages and prices uncontrolled While wage gains haven't been this good in decades, prices are growing even faster. The good news: Thanks to a super-tight labor market, analysts expect wages to keep growing as inflation finally starts to cool.1 Read more on inflation Video of the week Viewpoints Market Sense: Year-end tax planning Learn about the ways you may be able to hold on to more of your hard-earned money. Watch the Video

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Before investing, consider the investment objectives, risks, charges, and expenses of the fund, exchange-traded fund, or annuity and its investment options. Contact Fidelity for a prospectus or, if available, a summary prospectus containing this information. Read it carefully. 1US Bureau of Labor Statistics, Federal Reserve Bank of Atlanta, Haver Analytics, Fidelity Investments (AART), as of 11/12/22. Wages are represented by year-over-year 3-month moving average weighted overall wage tracker. This information is intended to be educational and is not tailored to the investment needs of any specific investor. Past performance is no guarantee of future results. Stock markets are volatile and can decline significantly in response to adverse issuer, political, regulatory, market, or economic developments. In general, the bond market is volatile, and fixed income securities carry interest rate risk. (As interest rates rise, bond prices usually fall, and vice versa. This effect is usually more pronounced for longer-term securities.) Fixed income securities also carry inflation risk, liquidity risk, call risk, and credit and default risks for both issuers and counterparties. Unlike individual bonds, most bond funds do not have a maturity date, so holding them until maturity to avoid losses caused by price volatility is not possible. Options trading entails significant risk and is not appropriate for all investors. Certain complex options strategies carry additional risk. Before trading options, please read Characteristics and Risks of Standardized Options. Supporting documentation for any claims, if applicable, will be furnished upon request. There are additional costs associated with option strategies that call for multiple purchases and sales of options, such as spreads, straddles, and collars, as compared to a single option trade. Sector investing can be more volatile because of their narrow concentration in a specific industry. Digital assets are speculative and highly volatile, can become illiquid at any time, and are for investors with a high risk tolerance. Investors in digital assets could lose the entire value of their investment. Diversification cannot ensure a profit or protect against loss. Fidelity does not provide legal or tax advice and the information provided above is general in nature and should not be considered legal or tax advice. Consult with an attorney or tax professional regarding your specific legal or tax situation. Fidelity Brokerage Services LLC does not offer digital assets nor provide clearing or custody services for such assets.

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