Fidelity Go review

Fidelity Go is the cheapest way to get a managed portfolio while your balance is small. There is no minimum to open, Fidelity starts investing once you have $10 in the account, and it charges no advisory fee at all while your balance is under $25,000. You answer questions about your goal, timeline and comfort with risk, and Fidelity proposes a strategy built from mutual funds, then watches it and makes trades to keep it on track. Smart Shift can adjust the mix for you as things change. Once you reach $25,000 the fee becomes 0.35% a year, and that unlocks unlimited 1-on-1 coaching calls and tax-loss harvesting in taxable accounts. There are no trading or rebalancing fees. The catch is that 0.35% is higher than the 0.25% at Wealthfront and Betterment for larger accounts, and you cannot pick your own ETFs. It suits beginners, IRA and HSA savers who value a big firm.

Who it is for

Beginners with smaller balances who want the lowest cost and 1-on-1 coaching as they grow.

Price

$0 advisory fee under $25,000; 0.35% per year from $25,000; no minimum to open.

charges no advisory fees while your account balance is under $25,000. Once your balance reaches $25,000, you'll be charged a 0.35% advisory fee per year
Quoted from the vendor pricing page on November 9, 2026.

Key features

• No minimum to open, investing starts at $10
• Strategies built from mutual funds, chosen and rebalanced by Fidelity
• Smart Shift option to adjust your strategy automatically
• Unlimited 1-on-1 coaching calls from $25,000
• Tax-loss harvesting in taxable accounts from $25,000

Strengths and weaknesses

• Strength: $0 advisory fee on balances under $25,000
• Strength: Starts investing with just $10
• Strength: No trading, transaction or rebalancing fees
• Weakness: 0.35% from $25,000 is above Wealthfront and Betterment
• Weakness: Tax-loss harvesting only from $25,000
• Weakness: Portfolios use Fidelity mutual funds rather than a choice of ETFs

Key facts

• Advisory fee: $0 under $25,000, 0.35% above
• Minimum to open: None
• Starts investing at: $10
• Coaching: Unlimited 1-on-1 from $25,000
• Accounts: Taxable, IRA, HSA

Where it ranks

Fidelity Go is No. 3 in our Best Robo Advisors verdict.