Wealthy PotBetterment vs Fidelity Go (2026)
Betterment is a full-featured standalone robo with tax-loss harvesting and goals; Fidelity Go is a simpler, cheaper option that is free at smaller balances and ideal if you already use Fidelity. Beginners with small balances may prefer Fidelity Go, while investors who want more features and tax optimization lean Betterment.
By Wealthy Pot · Last updated September 2026
| Feature | Betterment | Fidelity Go |
|---|---|---|
| Type | Standalone | Broker-owned |
| Advisory fee | 0.25%/yr (or $5/mo under $24k without a $200+ recurring deposit) | $0 under $25k, then 0.35%/yr |
| Account minimum | $0 | $10 to start investing |
| Tax-loss harvesting | Yes | Yes |
| Platforms | Web, iOS, Android | Web, iOS, Android |
| Best for | Hands-off investors who want goal-based automation with no minimum to start | Beginners with smaller balances who already use Fidelity and want a free start |
Where Betterment wins
- Goal-based planning that is genuinely easy to use
- Automatic tax-loss harvesting
- No minimum to open
- Optional access to human CFPs on a premium tier
Where Fidelity Go wins
- Free below a balance threshold
- Uses zero-expense-ratio Fidelity Flex funds
- Almost no minimum to start
- Seamless if you already use Fidelity
Which should you choose?
Betterment is a full-featured standalone robo with tax-loss harvesting and goals; Fidelity Go is a simpler, cheaper option that is free at smaller balances and ideal if you already use Fidelity. Beginners with small balances may prefer Fidelity Go, while investors who want more features and tax optimization lean Betterment.
Compare these against every option in our robo-advisors comparison.
We summarize hands-on assessment, not user reviews. Advisory fees and account minimums change often and are re-checked against each provider's official page. Some outbound links may be affiliate links — that never affects our comparisons. Nothing here is investment advice.