Fidelity Managed Retirement 2030 Fund (FMRAX) Stock Analysis
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Fidelity Managed Retirement 2030 Fund (FMRAX) trades at $13.03 with AI Score 47/100 (Grade C). Fidelity Managed Retirement 2030 Fund (FMRAX) aims for total return through a mix of income and capital growth until… Market cap: $57.4M, Sector: Financial services.
Price as of Aug 21, 2026 · Last analyzed: Mar 17, 2026Analyst Coverage for FMRAX: FMRAX does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates FMRAX against Financial Services peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
FMRAX: the 3 scored disciplines are evenly split. Dominant signal: Izzy Englander bullish.
How is this calculated? →Why this analysis is different
- A 9-signal quantitative MoonshotScore built from filings, insider activity, and market data — computed from the numbers, not from opinion.
- An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
- Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.
Fidelity Managed Retirement 2030 Fund (FMRAX) Financial Services Profile
Fidelity Managed Retirement 2030 Fund seeks total return until 2030 by strategically allocating assets across U.S. and international equities, bonds, and short-term funds. Designed for retirement income, it balances growth and income generation within the competitive asset management landscape.
What Is the Investment Thesis for FMRAX?
Fidelity Managed Retirement 2030 Fund presents a diversified investment vehicle for individuals targeting retirement around 2030. With a beta of 0.88, the fund exhibits moderate volatility relative to the broader market. Key to its performance is Fidelity's asset allocation strategy, shifting towards more conservative investments as the target date approaches. Growth catalysts include continued inflows into target-date funds and strong performance of underlying Fidelity funds. However, potential risks include market volatility, interest rate fluctuations, and underperformance of underlying investments. The fund's success hinges on Fidelity's ability to effectively manage asset allocation and navigate market conditions to deliver consistent returns.
Based on FMP financials and quantitative analysis
FMRAX Key Highlights
Market Cap of $57.4M indicates a relatively small fund size within the broader asset management industry.
- Beta of 0.88 suggests the fund's volatility is slightly lower than the overall market.
- The fund invests in a combination of Fidelity U.S. equity funds, international equity funds, bond funds, and short-term funds.
- The fund is designed to support a withdrawal strategy to provide investors with income in retirement.
- As a target-date fund, its asset allocation will become more conservative over time as it approaches the 2030 horizon date.
Who Are FMRAX's Competitors?
FMRAX is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| APPLX Appleseed Fund | $12.24 | +0.00% | $36.4M | 49 |
| FIXRX Fidelity Managed Retirement 2025 Fund | $62.78 | -1.66% | $54.3M | 47 |
| IICAX AMF Large Cap Equity Fund | $12.54 | -0.71% | $53.7M | — |
| MADFX Matrix Advisors Dividend Fund | $40.05 | -1.04% | $65.8M | 46 |
| OBCHX Oberweis China Opportunities Fund | $12.03 | +0.75% | $69.5M | 47 |
| EEA The European Equity Fund, Inc. | $11.15 | -0.59% | $74.7M | 67 |
| HNNA Hennessy Advisors, Inc. | $9.89 | -1.30% | $78.2M | 81 |
| ETHT ProShares - Ultra Ether ETF | $12.57 | +19.94% | $92.2M | 68 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are FMRAX's Key Strengths?
Strong brand reputation of Fidelity Investments.
- Diversified investment portfolio across multiple asset classes.
- Experienced investment management team.
- Established track record in managing target-date funds.
What Are FMRAX's Weaknesses?
Performance is dependent on the performance of underlying Fidelity funds.
- Subject to market volatility and interest rate fluctuations.
- Management fees can impact overall returns.
- May not be suitable for investors with specific investment preferences.
What Could Drive FMRAX Stock Higher?
Continued inflows into target-date funds as investors seek retirement solutions.
- Strong performance of underlying Fidelity funds driving overall returns.
- Potential changes in asset allocation strategy as the target date approaches.
- Fidelity's marketing and distribution efforts attracting new investors.
What Are the Key Risks for FMRAX?
Market volatility impacting the value of underlying investments.
- Interest rate fluctuations affecting bond fund performance.
- Underperformance of underlying Fidelity funds.
- Changes in investor sentiment and asset allocation preferences.
- Competition from other target-date fund providers.
What Are the Growth Opportunities for FMRAX?
- Continued Growth in Target-Date Fund Adoption: The increasing popularity of target-date funds as default options in employer-sponsored retirement plans presents a significant growth opportunity. As more individuals rely on these funds for retirement savings, FMRAX can attract new investors by demonstrating strong performance and effective risk management. The target-date fund market is projected to continue growing, driven by the aging population and the shift towards defined contribution plans.
- Expansion of Distribution Channels: Fidelity can expand the reach of FMRAX by increasing its distribution through various channels, including financial advisors, online platforms, and direct marketing. Partnering with retirement plan providers and offering the fund as a qualified default investment alternative (QDIA) can also drive growth. Expanding distribution will increase accessibility and awareness of the fund among potential investors.
- Enhanced Investment Strategies: Fidelity can enhance the fund's investment strategies by incorporating innovative approaches, such as incorporating ESG (environmental, social, and governance) factors or utilizing alternative asset classes. These enhancements can attract socially conscious investors and potentially improve risk-adjusted returns. Staying ahead of market trends and adapting investment strategies will be crucial for maintaining a competitive edge.
- Focus on Retirement Income Solutions: As the target date approaches, Fidelity can focus on developing and promoting retirement income solutions that complement FMRAX. This could include offering annuity options or providing guidance on withdrawal strategies. Addressing the growing need for retirement income planning can attract and retain investors who are seeking a comprehensive retirement solution.
- Technological Innovation in Investor Education: Fidelity can leverage technology to enhance investor education and engagement. This could include developing interactive tools, providing personalized advice, and offering online resources to help investors understand the fund's investment strategy and track their progress towards retirement goals. Improving investor education can foster trust and encourage long-term investment.
What Are FMRAX's Competitive Advantages?
- Strong brand reputation and established track record of Fidelity Investments.
- Extensive distribution network and access to a large investor base.
- Expertise in asset allocation and investment management.
- Economies of scale in managing a large pool of assets.
What Does FMRAX Do?
Fidelity Managed Retirement 2030 Fund is a target-date fund managed by Fidelity Investments, a leading global financial services provider. The fund's primary objective is to provide total return, combining current income and capital appreciation, until its target horizon date of 2030. It achieves this by investing in a diversified portfolio of other Fidelity funds, including U.S. equity funds, international equity funds, bond funds, and short-term funds. This multi-asset approach allows the fund to adjust its asset allocation over time, becoming more conservative as it approaches the target date. The fund is designed to serve as a single investment option for individuals planning to retire around the year 2030. The fund's investment strategy is tailored to provide investors with a balance of growth potential and income generation, aligning with the needs of individuals nearing retirement. The fund's performance is influenced by the performance of the underlying Fidelity funds in which it invests, as well as the overall asset allocation strategy employed by the fund's managers. Fidelity Investments has a long history of managing target-date funds, leveraging its expertise in asset allocation and investment management to provide investors with a comprehensive retirement solution.
What Products and Services Does FMRAX Offer?
- Invests in a diversified portfolio of Fidelity funds.
- Seeks total return through a combination of current income and capital growth.
- Adjusts asset allocation over time, becoming more conservative as the target date approaches.
- Provides a single investment option for individuals planning to retire around 2030.
- Manages risk through diversification and asset allocation strategies.
- Offers a convenient and simplified approach to retirement planning.
How Does FMRAX Make Money?
- Generates revenue through management fees charged on assets under management (AUM).
- AUM growth is driven by investment performance and net inflows from investors.
- Expenses include investment management fees, administrative costs, and marketing expenses.
What Industry Does FMRAX Operate In?
Fidelity Managed Retirement 2030 Fund operates within the asset management industry, specifically in the target-date fund segment. This segment has experienced significant growth as individuals increasingly seek simplified retirement planning solutions. The competitive landscape includes other target-date funds offered by various asset managers. Market trends favor funds with strong track records, low fees, and effective asset allocation strategies. The fund's success depends on its ability to attract and retain investors in a competitive market.
Who Are FMRAX's Key Customers?
- Individuals planning to retire around the year 2030.
- Investors seeking a diversified and professionally managed retirement solution.
- Participants in employer-sponsored retirement plans offering target-date funds.
Fidelity Managed Retirement 2030 Fund (FMRAX) Valuation Context
Valued at $57.4M, FMRAX is classified as a micro-cap stock. Relative to its peer group, FMRAX's quantitative score of 47/100 is roughly in line with the peer average of 47/100.
Key Financial Metrics
Return on equity for Fidelity Managed Retirement 2030 Fund stands at 0.0%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.0%, showing how much profit it generates from its asset base. FMRAX trades at a trailing price-to-earnings ratio of 0.00, below the Financial Services sector average of ~18x. Its free cash flow yield is 0.0%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.00 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 0.0%, the inverse of the P/E and a quick read on earnings relative to price.
FMRAX Financials
Bull Case vs Bear Case
Bull Case
- Recent insider buying suggests confidence in the fund's long-term performance, indicating trust in management decisions.
- Community sentiment has shifted positively, with discussions highlighting the fund's diversified approach to retirement savings.
- The fund's strategy aligns well with current market trends, appealing to investors seeking stability in uncertain times.
- Increased interest in retirement funds amidst demographic shifts shows a growing market for Fidelity's offerings.
Bear Case
- Some investors express concerns about potential market volatility affecting retirement funds, leading to cautious sentiment.
- Recent discussions indicate skepticism about the fund's ability to outperform traditional retirement investment strategies.
- There are worries about rising interest rates impacting bond allocations within the fund, which could affect overall returns.
- Market perception remains mixed, with some analysts questioning the fund's risk management in a fluctuating economic environment.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · April 2026
FMRAX Latest News
No recent news available for FMRAX.
FMRAX Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for FMRAX.
Price Targets
Wall Street price target analysis for FMRAX.
FMRAX MoonshotScore
What does this score mean?
The MoonshotScore rates FMRAX 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
FMRAX Financial Services Stock FAQ
What does the AI Score mean for FMRAX?
FMRAX holds an AI Score of 47/100 (Grade: C). This is an educational research signal, not a buy or sell recommendation. Fidelity Managed Retirement 2030 Fund (FMRAX) aims for total return through a mix of income and capital growth until its 2030 horizon date. The fund invests in a blend of U.S. and international …
What does Fidelity Managed Retirement 2030 Fund do?
Fidelity Managed Retirement 2030 Fund is a target-date fund designed for individuals planning to retire around the year 2030. The fund invests in a diversified portfolio of other Fidelity funds, including U.S. equity funds, international equity funds, bond funds, and short-term funds.
What are the main risks for FMRAX?
The main risks for Fidelity Managed Retirement 2030 Fund include market volatility, interest rate fluctuations, and the potential underperformance of underlying Fidelity funds. Market volatility can impact the value of the fund's equity and bond holdings, leading to fluctuations in its net asset value (NAV).
How sensitive is FMRAX to interest rate changes?
FMRAX's sensitivity to interest rate changes is primarily determined by its allocation to bond funds. When interest rates rise, the value of existing bonds typically falls, which can negatively impact the fund's overall performance. The fund's managers mitigate this risk by diversifying its bond holdings across different maturities and credit qualities.
How does Fidelity determine the asset allocation strategy for FMRAX?
Fidelity determines the asset allocation strategy for FMRAX based on a glide path that gradually shifts the fund's investments from a more aggressive allocation to a more conservative one as the target date approaches. Initially, the fund invests primarily in equity funds to maximize growth potential.
What are the key factors to evaluate for FMRAX?
Fidelity Managed Retirement 2030 Fund (FMRAX) holds an AI score of 47/100 (low). Fidelity Managed Retirement 2030 Fund presents a diversified investment vehicle for individuals targeting retirement around 2030. Not financial advice.
How frequently does FMRAX data refresh on this page?
FMRAX's price was last updated on Aug 21, 2026 and refreshes on page view during U.S. market hours — it is not a real-time exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven FMRAX's recent stock price performance?
Fidelity Managed Retirement 2030 Fund (FMRAX) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong brand reputation of Fidelity Investments. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider FMRAX overvalued or undervalued right now?
Fidelity Managed Retirement 2030 Fund (FMRAX) has no trailing P/E available here, so lean on price-to-sales and cash flow in the Financials tab. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- AI analysis pending for FMRAX, limiting the depth of financial insights.
- The information provided is based on publicly available data and may not be exhaustive.