Is Fidelity Go Worth It? Fees, Returns & Who It’s Best For
Fidelity Go is a managed investing service that builds and maintains a portfolio based on an investor’s goals and risk tolerance.
Its pricing and portfolio structure make it relevant to investors comparing automated management with managing investments on their own.
The service also includes features that become available as an account balance grows.
Is Fidelity Safe?
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How Much Does Fidelity Go Cost?
Fidelity Go uses a tiered fee structure.
There is no advisory fee for assets under $25,000, and a 0.35% per year fee on any assets $25,000 and above.
| Fee | Cost |
|---|---|
| Account Minimum | $0 |
| Minimum to Start Investing | $10 |
| Trading Fees | $0 |
| Transaction Fees | $0 |
| Rebalancing Fees | $0 |
| Fidelity Flex Fund Expense Ratios | 0% (with limited exceptions for fund expenses) |
| Advisory Fee Under $25K | $0/year |
| Advisory Fee $25K+ | 0.35%/year |
You will not pay any management fees on the funds themselves.
Fidelity simply uses the advisory fee to cover its costs.
In sum, a Fidelity Go investor’s total cost is effectively just the 0.35% advisory fee once the balance exceeds $25,000. By comparison, most robo-advisors charge 0.25%–0.40%, while traditional advisors often charge 1%+.
Is Fidelity FDIC Insured?
Not all Fidelity money gets the same protection. Find out which cash is FDIC insured, what isn’t, and how the coverage works.
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How Fidelity Go Works
The onboarding process is entirely online and quite fast.
After funding, Fidelity Go automatically allocates your money to a mix of Fidelity Flex mutual funds according to the portfolio.
| Step | What Happens |
|---|---|
| 1. Open an account | Sign up for Fidelity Go online. |
| 2. Set your goal | Answer questions about your goal, timeline, and risk tolerance. |
| 3. Get a strategy | Fidelity recommends an investment strategy based on your answers. |
| 4. Add money | Deposit money into your Fidelity Go account. |
| 5. Automatic investing | Once your balance reaches $10, Fidelity invests your money according to your strategy. |
| 6. Ongoing management | Fidelity monitors the portfolio and makes investment decisions for you. |
| 7. Rebalancing | Fidelity buys and sells investments to keep your portfolio aligned with your strategy. |
| 8. Annual check-in | Fidelity asks you to review your goals and circumstances and update them if needed. |
| 9. At $25,000+ | You gain access to unlimited 1-on-1 financial coaching and, for eligible taxable accounts, tax-loss harvesting. |
| 10. Fees | There is no advisory fee under $25,000 and a 0.35% annual advisory fee at $25,000+. |
Investment Options and Portfolios
Fidelity Go portfolios are constructed from Fidelity Flex® mutual funds across four broad asset classes:
- Domestic Equity: U.S. stock funds
- International Equity: Global and emerging-market stock funds.
- Fixed Income: Bond funds
- Short-Term/Cash: Money market and ultra-short bond funds.
These funds are proprietary to Fidelity’s platform and carry no expense ratio.
| Investor goal | Option to consider |
|---|---|
| I don’t want to manage anything | Fidelity Go |
| Long-term growth | Broad stock ETFs/index funds |
| Retirement investing | IRA + diversified stock/bond portfolio |
| Income & stability | Bonds / bond funds / CDs |
| Short-term cash | Money market funds |
| Maximum control | Individual stocks & ETFs |
| Global diversification | International-stock funds/ETFs |
| Higher-risk speculation | Crypto |
There are multiple model portfolios at different risk levels.
| Portfolio Type | Approx. Stock Allocation | Approx. Bonds/Short-term |
|---|---|---|
| Conservative | ~20% equities | ~80% bonds/cash |
| Moderate | ~60% equities | ~40% bonds/cash |
| Aggressive | 100% equities | 0% bonds/cash |
These are illustrative. Importantly, investors see only broad targets and fund names; you cannot pick individual securities or non-Fidelity funds. Fidelity Go does not offer sector-specific or specialty portfolios.
Fidelity Go Pros and Cons
Here’s a quick look at the main pros and cons of Fidelity Go:
Pros
- Very low cost
- Free for balances under $25k
- $10 minimum to invest
- Hands-off investing
- Human advisor access at $25k+
- Strong Fidelity support and integration
- Multiple goal options
- Well recognized
Cons
- Limited investment customization
- 0.35% fee above $25k
- Tax-loss harvesting only at $25k+
- One goal per account
- No human advice under $25k
- Limited cash flexibility
- No cryptocurrency options
Fidelity Go offers a low-cost, convenient way to invest, especially for beginners and smaller balances.
Fidelity Go is a strong choice for investors who want
- Simple
- Automated investing at a low cost, but its limited customization
- Higher 0.35% fee above $25,000 may make other robo-advisors more appealing for some investors.
Need Money From Fidelity?
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Fidelity Go vs Other Robo-Advisors
Fidelity Go is competitive among leading robo-advisors, particularly for investors seeking low costs, simple automated investing, and access to human financial coaching.
Fidelity Go
Best For: Investors who want a no-fee robo option with human advice once balances grow.
- 0% fee under $25k, 0.35% above
- Automatic tax-loss harvesting on qualifying accounts
- Free unlimited advisor calls at $25k+
Betterment (Digital)
Best For: Investors who want low flat fees plus cash-management perks built in.
- 0.25% flat digital fee, $0 minimum to open
- Tax-loss harvesting on all taxable accounts
- High-yield Cash Reserve and crypto investing
Wealthfront
Best For: Hands-off investors who want fully automated, tax-efficient investing.
- 0.25% flat fee, $500 account minimum
- Daily tax-loss harvesting, direct indexing at $100k+
- 529 college plan and high-yield cash account
Vanguard Digital Advisor
Best For: Cost-conscious investors who want Vanguard’s low-cost fund lineup.
- ~0.15–0.16% fee, fee-free for the first 90 days
- Just $100 minimum to start investing
- Automated, opt-in tax-loss harvesting
Schwab Intelligent Portfolios
Best For: Investors comfortable with a larger cash allocation in exchange for no advisory fee.
- 0% advisory fee on the base service
- $5,000 minimum account balance
- 24/7 support; Premium adds CFP access
As the comparison shows, the best robo-advisor depends on your:
- Investment balance
- Tax needs
- Desired level of human support
- Preference for specific investment features; Fidelity Go stands out for its low entry cost and integration with the broader Fidelity ecosystem
Who Should Use Fidelity Go?
Fidelity Go is best for hands-off investors who want a low-cost, easy-to-manage portfolio. In particular, it suits:
- New or Small Investors: Anyone just starting out or with only a few thousand to invest.
- Current Fidelity Clients: Investors who already hold Fidelity brokerage or IRA accounts. They benefit from easy linking and rollout.
- Long-term, Goal-Oriented Planners: People saving for a specific goal, who prefer not to pick and adjust funds themselves.
- Tech-Savvy Hands-Off Investors: Those who don’t want to track markets daily or execute trades, but do want professional management.
- Fee-Sensitive Investors: Anyone for whom fees are a primary concern.
- Investors Willing to Pay for Advice: If you have ≥$25k, you gain access to unlimited financial coaching at a 0.35% cost.
Fidelity Go may not suit those who want
- Custom asset choices
- Who prefer a 100% digital experience.
If you need multiple goals handled in one account or want to hand-pick funds, another solution might be better.
Is Fidelity Go Worth It for Beginners?
For absolute beginners and smaller investors, yes, Fidelity Go can be a great value.
If you have less than $25,000 to invest, you get automated, goal-based portfolio management for free.
Our Verdict
★★★★★
Fidelity Go is a strong pick for beginners and smaller investors. Below $25,000, you get automated, goal-based portfolio management for free, with underlying funds that carry 0% expense ratios, essentially free robo advice.
Even past that threshold, the 0.35% advisory fee remains competitive against traditional advisors and most other robo services.
The trade-off is limited flexibility: there’s no access to crypto, direct indexing, or other niche investments that some competitors offer.
Pros
- Free automated management under $25,000
- Underlying funds carry 0% expense ratios
- Competitive 0.35% fee above the $25k threshold
- Removes guesswork and emotional decision-making
- Easy fit for existing Fidelity customers
Cons
- Fee is higher than some robo competitors (~0.25%)
- No access to crypto or direct indexing
- Less suited to hands-on or advanced investors
- Fewer account types than some rivals (e.g. no 529 plan)
Fidelity Go FAQ
Fidelity Go is Fidelity’s automated investment service that builds and manages a portfolio based on your goals and risk level.
Fidelity Go charges no advisory fee below $25,000 and 0.35% per year on balances of $25,000 or more.
You can open a Fidelity Go account with $0, but you need at least $10 for Fidelity to start investing.
Fidelity Go supports individual and joint brokerage accounts, Traditional, Roth, Rollover and SEP IRAs, and HSAs.
Fidelity Go portfolios use Fidelity Flex mutual funds covering U.S. and international stocks, bonds, and short-term investments.
Yes, Fidelity Go offers tax-loss harvesting for eligible taxable accounts with balances of at least $25,000.
Yes, accounts with balances of $25,000 or more include access to one-on-one financial coaching at no additional cost.
No, Fidelity Go does not charge trading, transfer, closing, inactivity, or rebalancing fees.
You can open an account online or through the Fidelity app by answering questions about your goals and risk tolerance and then funding the account.
Fidelity Go is a low-cost, automated option that manages your investments for you, unlike a self-directed brokerage account.
Yes, Fidelity Go accounts receive applicable SIPC protection, but your investments can still lose value because of market fluctuations.
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