Fidelity Go®

Let us handle the investing so you don't have to




Our robo advisor, Fidelity Go®, makes investing quick, easy, and affordable

Choosing and managing your own investments can be time-consuming and even intimidating. With a Fidelity Go® account, we can handle all of the investing decisions so you can spend more time focusing on what matters to you.

Having your money managed shouldn't cost a lot

$0
No advisory fees under $10,000

You'll pay no advisory fee for a balance under $10,000, $3 per month for a balance of $10,000–$49,999, or 0.35% per year for a balance of $50,000 and above. There are no trading fees, transaction fees, or rebalancing fees.

$0
No minimum balance to open an account

Once your account balance reaches $10, our team will go to work for you.

What's included with Fidelity Go®


Standard features


Professional management of your money

Professional management of your money

We monitor the markets and handle the investing in this account so you don't have to.


Monthly progress updates

Monthly progress updates

You'll receive email reports that show the investing activity in your account.




An investment strategy based on your financial goal

An investment strategy based on your financial goal

The strategy we suggest will include a mix of investments to help keep your savings goal on track.


Affordable investing

Affordable investing

Your money is invested in Fidelity Flex® mutual funds which do not charge management fees or, with limited exceptions, fund expenses.


Only with Fidelity® Personalized Planning & Advice


Unlimited access to a team of Fidelity advisors

Unlimited access to a team of Fidelity advisors

Schedule 30-minute financial coaching calls to get 1-on-1 advice when you need it.


Financial planning

Financial planning

We'll help you create your financial plan that has the flexibility to change with your life.


Get more details

Are you looking for help with investing plus financial guidance from our team of Fidelity advisors?

No, I just want someone to manage my investments for me.

Fidelity Go
might be right for you

Yes, I also have questions about things like saving for retirement, strategies for paying off debt, and how to create a budget.

 

Choose which account is the right fit for you

  • An investment strategy that's created using information about your finances and goals
  • Investments that are managed by a team of professionals
  • Unlimited 1-on-1 financial planning calls with a team of Fidelity advisors1
  • Account minimums
  • Advisory fee
  • Fidelity Go®
  • An investment strategy that's created using information about your finances and goals Included with Fidelity Go
  • Professional investment management by our team Included with Fidelity Go
  • Unlimited 1-on-1 financial advice and planning calls with a team of Fidelity advisors1 Not included with Fidelity Go
  • Minimums and fees
  • Account minimums No account minimums2
  • Advisory fee Under $10,000: $0
    $10,000–$49,999: $3 per month
    $50,000 and above: 0.35% per year
  • Fidelity® Personalized Planning & Advice
  • An investment strategy that's created using information about your finances and goals Included with PPA
  • Professional investment management by our team Included with PPA
  • Unlimited 1-on-1 financial advice and planning calls with a team of Fidelity advisors1 Included with PPA
  • Account minimums $25,000 managed through Personalized Planning & Advice3
  • Advisory fee 0.50% per year
  • Learn more
Learn more about how robo advisors and hybrid robo advisors work.

As you consider details about Fidelity Go (our robo advisor) and Personalized Planning & Advice (our hybrid robo advisor), it's also good to understand the specifics about these types of accounts and how they work.

Can't decide which account is right for you? We can help.

Give us a call at 800-343-3548 and ask for 'Planning'

Give us a call at 800-343-3548 and ask for "Planning"

FAQs

  • How does Fidelity Go® work?

    You start by telling us a few things about yourself: the year you were born, your household income, the reason you're investing, the amount you hope to invest, when you'll need the money you're investing, and your risk tolerance for your account. Once you do that, we'll suggest an investment strategy consisting of funds that hold stocks, bonds, and short-term investments, based on what we think is appropriate for you and your goal. From there, you can explore other investment strategies, accept our suggestion, or give us additional information to help us suggest an investment strategy that may be even more closely aligned to your specific financial situation. After that, you open your account online.

    Once your account is open, you can add money to it. We'll start by offering you the chance to make an initial deposit, in the same amount you told us you were going to start with when you created your profile. If you told us you were going to make recurring monthly deposits, we'll prompt you to add those next. But don't worry if you want to put those off until later—you can set those up at any time.

  • What's a robo advisor?

    A robo advisor is an affordable digital financial service that uses technology to help automate investing based on information investors provide about themselves and their financial situation. "Robo" refers to these services being almost completely digital, and that computers, smartphones, or tablets are used to access and interact with your accounts. "Advisor" speaks to the investment advisors that offer digital advice and account management services, often for a lower fee than traditional investment advisory services.

  • How do robo advisors work?

    Robo advisors use various pieces of information about an investor to suggest an investment strategy. In most cases, you'll first be asked some questions online or through an app about yourself and your current financial situation. A robo advisor then uses that information to suggest an investment strategy for your financial goals. Investment strategies can include a mix of different types of investments and many robo advisors include account rebalancing services to help your investments stay in line with your financial goals and preferences.

  • How much does Fidelity Go® cost?

    Fidelity Go® offers tiered pricing based on your account balance. You'll pay no advisory fee for a balance under $10,000, $3 per month for a balance of $10,000–$49,999, or 0.35% per year for a balance of $50,000 and above. There are no trading fees, transaction fees, or rebalancing fees.

    Fidelity Go accounts invest in zero expense ratio Fidelity Flex® mutual funds that do not charge management fees or, with limited exceptions, fund expenses.

  • What's the minimum initial investment to open a Fidelity Go® account?

    There is no minimum initial investment to open a Fidelity Go® account. However, for us to invest your money according to the investment strategy you've chosen, your account balance must be at least $10.

  • Can I choose the investments for my Fidelity Go® account?

    You may not buy and sell individual investments in your Fidelity Go® account. By enrolling in a managed account service like Fidelity Go you turn the day-to-day management of your investments over to a team of investment professionals. However, you are entitled to place reasonable restrictions on the management of your account. Please contact us at 800-343-3548 for additional details.

  • What kinds of investments can I expect to find in my Fidelity Go® account?

    Your Fidelity Go® account will hold a combination of mutual funds that generally hold domestic stocks, foreign stocks, bonds, or short-term investments.

  • Who will be managing my Fidelity Go® account?

    The day-to-day investment and trading decisions in your Fidelity Go® account will be handled by Strategic Advisers LLC, a registered investment adviser and a Fidelity Investments company.

  • What does rebalancing investments mean?

    Rebalancing investments is the process of buying and selling investments to help keep a portfolio in line with an investment strategy.

  • What types of Fidelity Go® accounts are available?

    The following types of accounts are available through Fideilty Go®

    • Taxable (individual/joint)
    • Traditional IRA
    • Roth IRA
    • Rollover IRA
    • Health savings account (HSA)
  • How much should I invest in my Fidelity Go® account?

    While there is no minimum to open a Fidelity Go® account, the amount you choose to invest is really up to you. Here are a few things to consider as you decide:

    • It's a good idea to set aside an emergency fund. In general, people put this in short-term investments as opposed to an investment account like Fidelity Go.
    • If you have a workplace savings plan through your job, you may want to consider setting aside the maximum allowable amount in this plan before investing in a Fidelity Go account. This amount will vary depending on your age.
    • While it's important to invest in your future, it may also make sense to pay off your debt, particularly high-interest debt. Before investing in Fidelity Go or any other type of investing account, consider your debt balances.

    If you feel like you've addressed the considerations above, an investment account like Fidelity Go can be a good way to pursue long-term goals. For taxable accounts, you can deposit as much as you'd like; however, online contributions to Fidelity Go are currently limited to $250,000 per day. If you'd like to start with an amount greater than this, please call a Fidelity investment professional at 800-343-3548.

  • Are there limits to the amount of money I can add to my Fidelity Go® account?

    Depending on the type of Fidelity Go® account you open, there may be limits on how much money you can add into it each year: 

    • For taxable accounts, you can deposit as much money as you'd like; however, online contributions are currently limited to $250,000 per day. If you'd like to start with an amount greater than this, please call a Fidelity investment professional at 800-343-3548. 
    • For tax-advantaged accounts, the amount you can add is subject to the IRS's annual contribution limits. For IRAs, including Roth and traditional IRAs, the limit is $6,000. If you're age 50 or older, you can contribute an additional $1,000 annually. As of 2020, due to the SECURE Act, you can continue to contribute to your traditional IRA as long as you are still working.
    • For health savings accounts (HSAs), the 2021 IRS contribution limits are $3,600 for individual coverage and $7,200 for family coverage. For 2022, the limits increase to $3,650 for individual coverage and $7,300 for family coverage. If you're 55 or older during the tax year, you may be able to make a catch-up contribution of up to $1,000 per year. Your spouse can also make a catch-up contribution if they're 55 or older, but they'll need to open their own HSA.
    • Rollover and IRA transfer amounts are not subject to contribution limits, but certain HSA rollovers may count towards them.
  • How do I spend money in my Fidelity Go HSA?

    Even though Fidelity Go HSAs are intended for investing goals of three years or longer, you can still reimburse yourself for qualified medical expenses you pay out-of-pocket by submitting a withdrawal request. When you do, we'll sell securities in your account for you. After the money has settled, which can take up to ten business days, we'll send it to you by check, electronic funds transfer (EFT), or transfer of funds to another account.

    If you also have a self-directed Fidelity HSA, you can use a debit card to pay for qualified medical expenses by transferring money over from your Fidelity Go HSA.

  • Can I use cash for short-term medical expenses and a Fidelity Go® HSA for long-term expenses?

    You can use cash in a self-directed Fidelity HSA for short-term qualified medical expenses. This way you have quick access, through Fidelity BillPay and your debit card, to the money needed to reimburse yourself for out-of-pocket expenses.

    Fidelity Go is a managed account designed for use towards investment goals with a long-term horizon of three years or more.