Fidelity Go

No advisory fee under $25,000, 0.35% from there with coaching included. No minimum to open, $10 to start investing.

Rates verified October 14, 2026

Robo-Advisors IRA Accounts

See plans

The Bottom Line

Figures read Oct 14, 2026

Best for: Newer investors with smaller balances who want a $0 advisory fee, with coaching available once they reach $25,000.
Advisory fee: $0 under $25k (verified Oct 14, 2026). All rates and fees

Key facts

Account minimum: $10
Tax-loss harvesting: Yes
Human advisor: Available

Pros

$0 advisory fee while your balance is under $25,000
No separate fund fees on the Flex Funds, so the advisory fee is close to the whole cost
Coaching and tax-loss harvesting come with the single 0.35% fee, with no extra charge
No account minimum, and IRAs are available

Cons

At $25,000 the fee jumps from $0 to 0.35% on the whole balance
Only Fidelity Flex Funds, which you cannot take elsewhere without selling
No self-directed trading in the account, and no direct indexing

At a glance

Rates verified October 14, 2026

Advisory fee: 0.35% a year. No advisory fee while the balance is under $25,000. At $25,000 or more the fee is 0.35% a year on the whole balance, not just the part above $25,000.
Account minimum: $10
Fund costs on top: Portfolios use Fidelity Flex Funds, which do not charge management fees or, with limited exceptions, fund expenses, so there is no separate fund fee on top.
Cash in the portfolio: Cash waits in the Core Money Market Fund until it is invested. No target cash percentage is published.
Tax-loss harvesting: Yes, from $25,000. Included on taxable accounts from $25,000, applied to the stock Flex Funds. Fidelity may stop harvesting if the balance falls back under $25,000.
Direct indexing: No
Human advisor: Yes: Financial coaching included with Fidelity Go at $25,000 or more (not a separate paid tier), 0.35% a year, $25,000 minimum
IRAs: Traditional IRA, Roth IRA, Rollover IRA, SEP IRA
Account types: Individual (taxable), Joint (taxable), Traditional IRA, Roth IRA, Rollover IRA, SEP IRA, HSA
Mobile app: Fidelity mobile app and the Fidelity Go website
SIPC: Member
Other fees: No separate trading or custody charge inside the program. You need $10 in the account before investing starts. Closing or transfer-out fees are not stated on the Fidelity Go pages.

Sources: fidelity.com/bin-public/060_www_fidelity_com/do…, fidelity.com/managed-accounts/fidelity-go/inves…, read October 14, 2026

What it costs in practice

$88 a year in advisory fees on $25,000

On a $25,000 balance the advisory fee is about $88 a year, and about $350 at $100,000. The funds inside the portfolio charge their own small expense ratios on top (see Fund costs above). Fee schedule as listed by the provider on the verification date shown.

What to know before you open an account

Every provider has trade-offs. These are the ones we found on its own pages and in regulator records.

Crossing $25,000 changes the fee from zero to 0.35% on the whole balance, about $87.50 a year at $25,000.
Portfolios are made only of Fidelity Flex Funds, which are not generally available outside the program, so leaving means selling them.
The account cannot be used for self-directed trading, and coaching access ends if your balance falls under $25,000.
Fidelity can end your participation if the account is not funded within 90 days of opening.

Regulator record

Apr 27, 2026, Massachusetts Securities Division. Consent order against Fidelity Brokerage Services, where Fidelity Go accounts are held: it failed to enforce certain cybersecurity controls, and an unauthorized third party obtained personal information of about 77,000 customers and individuals in a breach in August 2024. Censure and a $1.25 million administrative fine. Read the source

Where these numbers come from

Each figure above was read on the provider's own page. Fees and rates change, so check the page before you act.

Fidelity: bin public, FGo FPPA ADV 2A 2B (PDF)checked Oct 14, 2026
Fidelity: fidelity go, investment account faqschecked Oct 14, 2026
Fidelity: Go overviewchecked Oct 14, 2026

What is Fidelity Go?

Sources read on the date shown

Fidelity Go is Fidelity's automated investing service. You answer a few questions, Fidelity builds a portfolio from its own Flex Funds, keeps it balanced and reinvests for you. It fits people who are just starting out, because there is no advisory fee while your balance is under $25,000 and no minimum to open an account. The price changes at $25,000. Below it you pay nothing for the service. At $25,000 or more the advisory fee is 0.35% a year on the entire balance, about $87.50 on $25,000, and that same fee brings tax-loss harvesting (selling an investment at a loss to lower your tax bill) and unlimited one-on-one coaching calls with a Fidelity team. The Flex Funds in the portfolio do not charge management fees or, with limited exceptions, fund expenses, so there is no second layer of fees. Accounts come as taxable (individual or joint), Traditional, Roth, Rollover and SEP IRAs, and HSAs. Figures were read on Fidelity's own pages and program brochure on 14 October 2026. The trade-offs: the Flex Funds are available only inside the program, so leaving means selling them. You cannot trade on your own in a Go account, and the coaching and tax-loss harvesting stop if your balance slips back under $25,000. Fidelity may also end your participation if the account is not funded within 90 days.

LCLouis CorneloupFigures read Oct 14, 2026 · how we evaluate

Sourcefidelity.com ↗

Key details

No advisory fee under $25,000; 0.35% a year on the whole balance from $25,000No minimum to open; $10 needed before investing startsFidelity Flex Funds with no management fee and, with limited exceptions, no fund expensesTax-loss harvesting and unlimited coaching calls from $25,000Taxable, Traditional, Roth, Rollover and SEP IRAs and HSA accounts

Explore more

Best Robo-Advisors Best IRA Accounts

Fidelity Go FAQ

How much does Fidelity Go cost?

Nothing in advisory fees while your balance is under $25,000. At $25,000 or more the fee is 0.35% a year on the whole balance, which is $87.50 on $25,000 and $350 on $100,000. The Flex Funds inside the portfolio add no separate fund fee, with limited exceptions. Read on Fidelity's pages on 14 October 2026.

Is there a minimum to open Fidelity Go?

No. There is no minimum amount to open an account, but your balance must be at least $10 for investing to start. Fidelity can end participation if the account is not funded within 90 days.

Do I get to talk to a person with Fidelity Go?

At $25,000 or more you get unlimited one-on-one coaching calls with a Fidelity team, included in the 0.35% fee. Under $25,000 you can still call the program line, Monday to Friday, 8 a.m. to 7 p.m. Eastern, but coaching is not included.

Which IRAs can I open with Fidelity Go?

Traditional, Roth, Rollover and SEP IRAs, plus an HSA and taxable individual or joint accounts.

Does Fidelity Go do tax-loss harvesting?

Yes, from $25,000 in a taxable account, on the stock Flex Funds. It means selling an investment at a loss to lower your tax bill. Fidelity may stop harvesting if your balance falls below $25,000.

Source: fidelity.com