Research

Designing a retirement income solution

Fidelity's Managed Cash Flow strategy

By: Andrew Dierdorf Brett Sumsion
Updated: 1/31/2025
Executive Summary
  • Retirees need help managing risks and uncertainties associated with translating their accumulated savings into sustainable income over a full retirement horizon.
  • An effective retirement income solution requires a manager to first understand plan participants’ needs and then construct a strategy that weighs the factors and trade-offs that can influence outcomes.
  • Fidelity’s Managed Cash Flow withdrawal strategy helps balance participants’ preferences for high current income, regular payments, ongoing liquidity, and a positive lifetime asset balance.
  • Once selected for addition by a DC retirement plan sponsor, the Managed Cash Flow strategy can be offered as an installment distribution option to the plan’s participants.
  • The Managed Cash Flow strategy, when paired with a diversified investment portfolio, empowers retirement plan participants with an innovative, research-driven tool to help them achieve a successful retirement outcome. 
Get the full white paper
Designing a retirement income solution
Download PDF
Explore more on:
Defined contribution

Next steps to consider

Investments & portfolio construction

Manage client portfolios with greater efficiency and impact with our broad universe of portfolio construction solutions and investment products.

Learn more

Fidelity Portfolio Quick Check

Analyze, compare, and optimize your investment strategy in minutes with our free on-demand digital portfolio analysis tool.

Learn more


  • For important information, see the full linked content.
1136437.2
E86E5B3F159F478AB5D2BBCFB69F6297