Fidelity Go
robo-advisor · USFidelity Go is Fidelity Investments' robo-advisor offering automated portfolio management built around a set-it-and-forget-it approach. It uses Fidelity's own Flex Asset Allocation methodology, which constructs a diversified portfolio of Fidelity index ETFs based on the investor's time horizon and risk tolerance — assessed through a brief questionnaire. The standout feature is the fee structure: accounts under $25,000 pay zero management fee (the underlying ETFs still carry their own expense ratios). Above $25,000, the fee is 0.35% annually. There is no account minimum — users can start investing with as little as $10, making it one of the most accessible robo-advisors. Fidelity Go accounts are invested in taxable brokerage accounts or traditional/Roth IRAs. Users get unlimited one-on-one coaching calls with Fidelity advisors for guidance, though ongoing portfolio management remains automated. Fidelity also offers a separate self-directed brokerage platform (Fidelity Brokerage) for active traders, which is distinct from Fidelity Go.
What does Fidelity Go cost and how does it work?
Fidelity Go offers 35 basis points (Above $25,000). A free tier is available. Account minimum: $10. Fidelity's robo-advisor with zero management fees on balances under $25,000 and no account minimum. Combines automated portfolio management with access to human advisors via unlimited coaching calls.
⚠ Not Financial Advice
The information on this page is provided for informational and educational purposes only. It does not constitute personalized investment advice, a recommendation, or an endorsement of any specific investment product or strategy. Past performance does not guarantee future results. All investment decisions involve risk, including the potential loss of principal. You should consult a qualified financial advisor or investment professional before making any investment decisions. Fee structures, account minimums, and platform features are subject to change — verify current terms directly with each provider before opening an account.
Pricing
// verify pricing before launch — prices shown may not reflect current vendor rates
Key Features
- •Automated portfolio management using Flex Asset Allocation methodology
- •Zero management fee on balances under $25,000
- •0.35% annual management fee on balances above $25,000
- •No account minimum — start investing with $10
- •Unlimited one-on-one coaching calls with Fidelity advisors
- •Taxable brokerage, Traditional IRA, and Roth IRA account types
- •Automatic rebalancing and dividend reinvestment
- •Goal-based investing with progress tracking
- •Fidelity's fractional shares — invest in ETFs dollar amounts
Pros
- +Genuinely free at low balances — no management fee under $25,000 is unique among major robo-advisors
- +No account minimum makes it the most accessible option for new investors starting with small amounts
- +Unlimited human coaching calls provide a bridge between automated management and live guidance
- +Backed by Fidelity, a large and established financial institution with strong customer service reputation
- +Integration with existing Fidelity accounts for consolidated portfolio viewing
Cons
- −No tax-loss harvesting — a notable gap compared to Betterment, Wealthfront, and Schwab
- −0.35% fee above $25,000 is higher than Betterment's standard tier (0.25%) and Schwab ($0)
- −Limited customization — Fidelity Go constructs the portfolio; you cannot choose individual stocks or ETFs
- −Fewer account types than competitors — no SEP IRA, trust accounts, or crypto exposure
- −Coaching calls are guidance-only, not dedicated portfolio management from a human advisor
Platforms
Integrations
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Reviewed by Finatune · Last updated 2026-06-20