Wealthy PotVanguard Digital Advisor vs Fidelity Go (2026)
Two broker-owned robos for cost-conscious investors. Vanguard Digital Advisor has one of the lowest all-in fees and includes tax-loss harvesting; Fidelity Go is free below a balance threshold, making it cheapest for small accounts, then charges a flat fee. Start with Fidelity Go if you are small and use Fidelity, lean Vanguard for the lowest long-run cost on a larger balance.
By Wealthy Pot · Last updated September 2026
| Feature | Vanguard Digital Advisor | Fidelity Go |
|---|---|---|
| Type | Broker-owned | Broker-owned |
| Advisory fee | 0.20%/yr (index) or 0.25%/yr (active), gross; lower net after fund-fee offsets | $0 under $25k, then 0.35%/yr |
| Account minimum | $100 per Vanguard Brokerage Account | $10 to start investing |
| Tax-loss harvesting | Yes | Yes |
| Platforms | Web, iOS, Android | Web, iOS, Android |
| Best for | Cost-conscious long-term investors who want Vanguard funds managed for them | Beginners with smaller balances who already use Fidelity and want a free start |
Where Vanguard Digital Advisor wins
- One of the lowest all-in costs of any robo
- Uses Vanguard’s own low-fee funds
- Tax-loss harvesting included in the advisory fee
- Backed by Vanguard’s long index-investing track record
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?
Two broker-owned robos for cost-conscious investors. Vanguard Digital Advisor has one of the lowest all-in fees and includes tax-loss harvesting; Fidelity Go is free below a balance threshold, making it cheapest for small accounts, then charges a flat fee. Start with Fidelity Go if you are small and use Fidelity, lean Vanguard for the lowest long-run cost on a larger balance.
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.