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Fidelity Go

PRICEFree under $25K balance, 0.35%/yr above $25K
RATING8.2 / 10
BEST FORBeginners and hands-off investors who already bank with Fidelity or want a no-fuss robo-advisor
WORTH IT, MOSTLY

Fidelity Go is worth it if you want a simple, low-cost way to start investing without picking your own funds, especially under $25,000 where you pay zero advisory fee; it's not worth it if you want tax-loss harvesting or control over individual holdings.

PROS

  • No advisory fee at all under $25,000, which is rare among robo-advisors that usually charge from dollar one
  • Underlying Fidelity Flex funds carry a 0% expense ratio, so you're not quietly losing money to fund fees either
  • You can open an account and start investing with as little as $10
  • Once you hit $25K you get access to unlimited calls with a Fidelity coach, not just a chatbot
  • Setup takes about 10 minutes and the risk questionnaire actually adjusts your allocation in a way that matched how I described my comfort level

CONS

  • No tax-loss harvesting on any tier, so if you're investing a large taxable account, competitors like Wealthfront handle that better
  • Very limited customization, you can't tilt toward specific sectors or exclude funds you don't want
  • The app experience feels like an add-on to the main Fidelity app rather than its own polished product

I moved my Roth IRA into Fidelity Go about two years ago after getting tired of rebalancing a three-fund portfolio myself twice a year. The pitch is straightforward: answer some questions about your timeline and risk tolerance, and it builds and rebalances a portfolio of Fidelity's own zero-expense-ratio Flex funds for you. No advisory fee under $25,000 is the detail that actually sold me, because most robo-advisors I looked at charge 0.25% or more starting on day one.

In practice, it's been about as boring as I wanted it to be. I set up automatic monthly contributions, and the only time I think about it is when I get a quarterly performance email. My allocation has drifted and rebalanced itself through two rocky markets without me touching a thing, which is exactly the point of paying for a robo-advisor instead of managing it myself.

The tradeoffs showed up when I looked closer at what I was giving up. There's no tax-loss harvesting here, which matters more the bigger your taxable account gets, and I don't have any ability to nudge the portfolio toward or away from specific sectors. It's also clearly built as an extension of the main Fidelity app rather than a standalone product, so navigating between your Fidelity Go account and, say, a separate brokerage account you hold with them can feel like switching contexts rather than staying in one clean flow.

For a beginner or someone who just wants their money invested sensibly without becoming a hobby, I think Fidelity Go is one of the easiest starting points out there, particularly if you're already under the $25K threshold and paying nothing for it. If you've got a large taxable account and care about squeezing out every tax advantage, I'd look at a service that offers tax-loss harvesting instead.

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