3 New Fidelity ETFs for Retirement Income — What Retirees Should Know About Taxes

3 new Fidelity ETFs for retirement income are changing the conversation around yield, taxes, and where you hold your investments. In this video, we compare Fidelity’s new FIMU, FSTB, and FREI ETFs and explain the tax differences that actually matter for retirees. Fidelity introduced these ETF share classes in June 2026, giving investors access to three established strategies in ETF form: Fidelity Intermediate Municipal Income ETF (FIMU), Fidelity Short-Term Bond ETF (FSTB), and Fidelity Real Estate Income ETF (FREI). But the biggest question isn't simply which Fidelity ETF has the highest yield. It's what you actually keep after taxes. In this video, you'll learn: • FIMU vs FSTB vs FREI for retirement income • How Fidelity’s new ETFs compare on current income • Why a lower-yielding municipal ETF can be competitive after tax • How tax-equivalent yield works • How municipal income can affect Social Security taxation • How tax-exempt income can still affect Medicare IRMAA • Which account may make more sense for each ETF • Taxable brokerage vs Traditional IRA vs Roth IRA • The different risk profiles of municipal bonds, short-term bonds, and real estate income • What existing Fidelity mutual-fund investors need to know about ETF share-class conversions Sources: 1. https://fundresearch.fidelity.com/mutual-funds/performance-and-risk/31638R204 2. https://digital.fidelity.com/prgw/digital/research/quote/dashboard/summary?symbol=FREI 3. https://digital.fidelity.com/prgw/digital/research/quote/dashboard/summary?symbol=FSTB The key takeaway: retirement investors shouldn't look only at yield. You also need to consider how the income is taxed, which account you hold it in, how it may affect other retirement calculations, and what risks you're taking to generate that income. ⚠️ DISCLAIMER: This video is for educational and informational purposes only and is not individualized investment, tax, or financial advice. Tax rules and ETF distributions can change, and your personal tax situation may differ. Consult a qualified tax or financial professional regarding your own circumstances. #Fidelity #FidelityETFs #RetirementIncome #ETFs #RetirementPlanning #DividendIncome #Investing #TaxPlanning #SocialSecurity #MedicareIRMAA