Fidelity Go Review (2026)
Fidelity Go is a managed account for people who want Fidelity to pick, buy and rebalance a fund portfolio for them, starting with any amount. The one thing to know: the advisory fee is $0 while an account is under $25,000, and from $25,000 it is 0.35% a year on the whole balance, not only the part above $25,000. The portfolios use Fidelity Flex funds, which show 0.00% expenses but can only be held in Fidelity fee-based accounts.
By Wealthy Pot Editorial · Facts checked October 19, 2026
Facts checked October 19, 2026 against Fidelity Go's own Form ADV brochures, fee pages and fund documents (4 sources, listed below). We re-check prices about once a month. We do not earn a commission from Fidelity.
Fidelity Go at a glance
| Advisory fee | $0 while the account is under $25,000; 0.35% a year on the entire balance once it reaches $25,000 [1] |
|---|---|
| How the fee is set | Rate set each month from average daily assets; billed quarterly after each quarter ends; each account is billed on its own (accounts are not combined) [1] |
| Minimum | $0 to open (fund it within 90 days); investing starts once the account holds $10 [1] |
| Fund costs | Fidelity Flex mutual funds, which charge no management fees and, with limited exceptions, no fund expenses; the Flex index funds checked show 0.00% total annual operating expenses [1] |
| Trading costs | No trading, transaction or rebalancing fees [2] |
| Tax-loss harvesting | Taxable accounts only, with at least $25,000 invested and maintained; stops if the account falls below $25,000 [1] |
| Direct indexing | Not listed among Fidelity Go features; portfolios hold Flex mutual funds only [1] |
| Human help | Unlimited 1-on-1 phone coaching with a team of Fidelity advisors once one Fidelity Go account reaches $25,000; $500,000+ at Fidelity may qualify for a dedicated representative [2] |
| Account types | Individual and joint taxable, Traditional, Roth, Rollover and SEP IRA, health savings account (HSA) [2] |
| Rebalancing | Fidelity rebalances to the target Flex fund mix; optional Smart Shift lets it adjust the strategy over time [2] |
| Leaving the program | Flex funds are sold when you leave, which can create taxable gains, unless you move them to another Fidelity fee-based account [1] |
| Custody and SIPC | Brokerage by Fidelity Brokerage Services LLC; custody by National Financial Services LLC; each a member of NYSE and SIPC [2] |
| Company | Strategic Advisers LLC (CRD 104555, SEC 801-13243), an indirect, wholly owned subsidiary of FMR LLC; program brochure dated March 30, 2026 [1] |
What a year with Fidelity Go costs
| Balance | Advisory fee | Fund expenses | Total a year | As % of balance |
|---|---|---|---|---|
| $5,000 | $0 | $0 | $0 | 0% |
| $25,000 | $87.50 | $0 | $87.50 | 0.35% |
| $100,000 | $350 | $0 | $350 | 0.35% |
Hypothetical, our arithmetic from Fidelity Go's published fee rules and funds that list 0.00% expenses, read on October 19, 2026, assuming the balance stays the same all year. The 0.35% applies to the entire balance once it reaches $25,000, not only the amount above. Fidelity Flex funds show 0.00% total expenses "with limited exceptions"; they are sold if you move the account to another firm.
How Fidelity Go works
You answer questions about your goal, time frame and risk, and Fidelity's adviser, Strategic Advisers LLC, picks a portfolio and manages it. The portfolios are built only from Fidelity Flex mutual funds. Stock and most bond holdings use index Flex funds; the short-term bond and municipal parts can use actively managed Flex funds. The brochure says Flex funds charge no management fees and, with limited exceptions, no fund expenses. Fidelity does not publish the exact fund list in the brochure, but the Flex index funds we checked, such as the Fidelity Flex 500 Index Fund (FDFIX), list 0.00% total annual operating expenses in their prospectuses.
There is no minimum to open. You have 90 days to fund the account, and Fidelity starts investing once it holds $10. There are no trading, transaction or rebalancing fees. You can ask for reasonable restrictions from a list, but they do not reach inside the Flex funds. Fidelity Go delivers every document electronically, and withdrawing consent to e-delivery means leaving the program.
The fee rule is the part to read twice. A hypothetical account worth $24,999 all year pays $0. The same account at $25,000 pays 0.35% of the whole $25,000, or $87.50 a year, because the rate applies to the entire balance, not only the dollar above the line. Each account is judged on its own: two hypothetical accounts of $20,000 each pay $0, while one combined account of $40,000 pays $40,000 x 0.35% = $140 a year. The rate is set each month from average daily assets, so a balance that moves around the line can pay in some months and not others. The cost block below shows the fee at $5,000, $25,000 and $100,000.
Reaching $25,000 also switches on two features within about five business days: tax-loss harvesting in taxable accounts and unlimited phone coaching with a team of Fidelity advisors. Tax-loss harvesting means selling a fund at a loss to offset gains elsewhere; whether it lowers your tax bill depends on your own situation. The cost of leaving matters too: Flex funds can only be held in Fidelity fee-based accounts, so moving to another firm means the funds are sold, which can trigger capital gains tax in a taxable account. For the Fidelity brokerage account itself, see our Fidelity review.
Pros
- $0 advisory fee for every account under $25,000
- Flex index funds such as FDFIX and FIBUX list 0.00% total annual operating expenses
- No minimum to open; investing starts at $10
- HSA and SEP IRA are eligible account types
- Unlimited phone coaching from $25,000 at no extra fee
Cons
- 0.35% applies to the whole balance from $25,000, not only the amount above it
- Flex funds are sold if you move the account to another firm
- Tax-loss harvesting only in taxable accounts with $25,000 or more
- No trust, custodial or 529 accounts among the eligible types
- Accounts are billed one by one, so balances are not combined to judge the threshold
Who Fidelity Go fits, and who should skip it
A good fit if
- You have under $25,000 to invest and want it managed with no advisory fee and 0.00% fund expenses on the Flex index funds.
- You want a managed IRA, Roth IRA, SEP IRA or HSA with no minimum to open.
- You already bank or invest at Fidelity and want the managed account next to your other accounts.
- You have $25,000 or more in one account and want phone coaching included in the 0.35% fee.
Look elsewhere if
- You may want to move the account to another firm later without selling: Vanguard Digital Advisor holds Vanguard ETFs such as VTI and BND, not funds limited to one firm's advisory accounts.
- You want tax-loss harvesting on a taxable account under $25,000: Wealthfront states no minimum balance for it.
- You need a trust, custodial or 529 account: Fidelity Go lists none of them; Schwab Intelligent Portfolios takes custodial and revocable trust accounts.
Limitations to know
- The exact fund lineup is not published in the brochure. The Flex funds named here, such as FDFIX for US stocks, are representative Flex index funds, not a confirmed list. [3]
- Bond holdings use Flex bond funds; the Flex U.S. Bond Index Fund (FIBUX) also lists 0.00% total annual operating expenses, but whether a given portfolio holds it is not confirmed. [4]
- The 0.00% expense figure carries the brochure's own caveat: Flex funds charge no fund expenses "with limited exceptions". [1]
- Short-term bond and municipal parts of a portfolio can use actively managed Flex funds rather than index funds. [1]
- Coaching is by phone with a team of representatives, not in person or in a branch. [2]
- All documents come electronically; revoking e-delivery consent ends your participation. [1]
Fidelity Go compared with alternatives
| Robo | Advisory fee | Minimum | Tax-loss harvesting | Year cost on $25,000 |
|---|---|---|---|---|
| Fidelity Go | $0 under $25k, then 0.35%/yr on the whole balance | $0 ($10 to start investing) | Yes | $87.50 |
| Vanguard Digital Advisor | 0.20%/yr index or 0.25% active (gross; less after fund credits); first 90 days free | $100 | Yes | $57.50 to $67.50 |
| Schwab Intelligent Portfolios | $0 advisory fee; 6% to 30% held in cash at Schwab Bank | $5,000 | Yes | $5 to $37.50 |
| Wealthfront | 0.25%/yr (Bond Ladder 0.15%, S&P 500 Direct 0.09%) | $500 | Yes | $62.50 + funds |
| Betterment | $5/mo under $24k (unless $200+/mo deposits), else 0.25%/yr; Premium 0.65% | $0 ($10 first deposit) | Yes | $75 to $95 |
- Pick Vanguard Digital Advisor if you want Vanguard ETFs rather than Flex funds and a net fee of no more than $20 per $10,000 on index portfolios.
- Pick Schwab Intelligent Portfolios if you have $5,000 or more, want no advisory fee at any balance, and accept 6% to 30% held in cash.
- Pick Wealthfront if you want tax-loss harvesting with no minimum balance at 0.25% a year.
- Pick Betterment if you have $24,000 or more or deposit $200+ a month and want 0.25% a year with tax-loss harvesting.
Security and privacy
- Fidelity Brokerage Services LLC provides brokerage and National Financial Services LLC holds the assets; each is a member of NYSE and SIPC. SIPC covers missing assets if a member firm fails, not market losses. [2]
- Strategic Advisers reported no legal or disciplinary events material to clients in Item 9 of its March 30, 2026 brochure. [1]
- Strategic Advisers is an indirect, wholly owned subsidiary of FMR LLC and reports about $1.321 trillion in discretionary assets across all its programs; Fidelity Go's own total is not stated. [1]
- We did not read Fidelity's security pages for this review, so two-factor options are not listed here. [2]
Recent changes
| Date | What changed |
|---|---|
| Mar 30, 2026 | Annual brochure update with no material changes since December 5, 2025; it clarifies that features tied to $25,000 switch on within five business days. [1] |
Fidelity Go FAQ
How much does Fidelity Go cost?
The advisory fee is $0 while an account is under $25,000 and 0.35% a year on the entire balance once it reaches $25,000. A $25,000 account pays $87.50 a year and a $100,000 account $350. The Flex funds list 0.00% expenses, with limited exceptions, and there are no trading or rebalancing fees.
Is Fidelity Go safe?
The assets are held by National Financial Services LLC, with brokerage by Fidelity Brokerage Services LLC, both SIPC members. The adviser, Strategic Advisers LLC (CRD 104555), reported no material disciplinary events in its March 2026 brochure. SIPC does not protect against market losses.
Does Fidelity Go do tax-loss harvesting?
Yes, in taxable accounts that invest and keep at least $25,000; it stops if the account falls below $25,000. IRAs and HSAs do not need it because gains there are not taxed each year. Fidelity does not promise tax savings, and neither do we.
What is the minimum for Fidelity Go?
$0 to open, with 90 days to fund the account. Fidelity starts investing once the account holds $10.
Fidelity Go vs Vanguard Digital Advisor?
Under $25,000, Fidelity Go charges no advisory fee, while Vanguard charges 0.20% gross on index portfolios (no more than $20 per $10,000 net). From $25,000, Fidelity Go charges 0.35% on the whole balance, more than Vanguard. Vanguard holds ETFs such as VTI and BND; Fidelity Go holds Flex funds that are sold if you move the account to another firm. See <a href="/robo-advisors/vanguard-digital/">our Vanguard Digital Advisor review</a>.
Is Fidelity Go worth it?
On the numbers: under $25,000 it costs $0 in advisory fees, against $50 a year for $25,000 at a 0.20% robo or $62.50 at 0.25%, hypothetically. At $100,000 it costs $350 a year, against $200 to $250 at those rates. Compare with our <a href="/robo-advisors/">robo-advisor comparison</a>.
How we researched this review
We did not get paid or receive a free account for this page. We read Fidelity Go's own pricing page, help center, security and privacy pages and app-store listing on October 19, 2026, quoted each fact from those pages, and link every one below. We did not run a long-term hands-on test, so we do not score the app; where a point rests on what the company says rather than something we can check, we attribute it to Fidelity Go. Cost figures are our own arithmetic. We re-check prices and plans about once a month and log changes in the table above.
Sources
- Strategic Advisers LLC, Fidelity Go Program Brochure, Form ADV Part 2A (March 30, 2026), checked October 19, 2026.
- Fidelity, Fidelity Go overview and pricing, checked October 19, 2026.
- SEC EDGAR, Fidelity Flex 500 Index Fund summary prospectus, checked October 19, 2026.
- SEC EDGAR, Fidelity Flex U.S. Bond Index Fund summary prospectus, checked October 19, 2026.
Head-to-head comparisons
This review is general information, not investment advice. Investing involves risk, including loss of principal; past performance does not predict future results. Fees change; check the firm's Form ADV brochure and pricing page before you enroll.