Take the guesswork out of investing with Fidelity Go®

Q: How does Fidelity Go® work?

With Fidelity Go ® you'll start by telling us about yourself and your individual financial goals so we can suggest an investment strategy for your account. Once your account is open, you can add money through either one-time or recurring transfers. Once your account balance reaches $10, we'll start investing for you in accordance with your goal, helping you track your progress along the way. Each year, we'll check in with you to ask if anything major in your life has changed, and if necessary, we'll adjust your investment strategy to fit with your new situation. And remember that this is a relationship. So if your needs change at any time, you can let us know and we can help by making changes consistent with your new goal. Additional features: All customers have access to our online planning tools, and once your account balance reaches $25,000, you'll also have access to unlimited 1-on-1 financial coaching sessions with a team of advisors. Whether you need help creating a budget, paying down debt, planning for retirement, or investing for your future, you'll have the comfort of knowing that 1-on-1 advice from Fidelity is just a call away. For taxable accounts with a balance of at least $25,000, we'll look for tax-loss harvesting opportunities in your Flex Funds that hold stocks, which can help you lower your tax bill.

Q: How much does Fidelity Go® cost?

Fidelity Go ® 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, which will give you access to financial coaching sessions and, for taxable accounts, tax-loss harvesting. Either way, there are no trading fees, transaction fees, or rebalancing fees.

Q: What types of Fidelity Go® accounts are available?

The following types of accounts are available through Fidelity Go®: Taxable (individual/joint) Traditional IRA Roth IRA Rollover IRA Simplified Employee Pension Plan (SEP IRA) Health savings account (HSA)

A robo advisor that’s backed by real humans and chooses and rebalances your investments for you, so you can keep doing you.

Get started

Explore the many ways you can invest with Fidelity (PDF)Clicking this link will open a new browser window

Aligned with your goal

Your strategy is designed to help you achieve whatever you’re investing for.

Managed by the pros

Our team watches the markets and makes the trades you need to keep your strategy on track.

Ease into investing

There’s no minimum to open an account, and you can invest with as little as $10.

How to get started with Fidelity Go

Get your personalized investment strategy in just a few minutes, without even having to pick up the phone.

How to get started with Fidelity Go

Get your personalized investment strategy in just a few minutes, without even having to pick up the phone.

Tell us what you’re investing for

First, you’ll answer some questions about your goal, when you need the money, and your comfort with risk. You‘ll also be able to choose whether you want to open an individual retirement account (IRA), health savings account (HSA), or taxable account for us to manage for you.

We create your plan

Next, we’ll propose a strategy made up of a mix of mutual funds for you to invest in. As you get closer to your goal, or if things change on your end, we may suggest that you move to a strategy that’s more conservative or aggressive. You’ll also have Smart Shift available, which lets us automatically adjust your strategy for you.

Fidelity Go strategy performanceClicking this link will open a new browser window

Our pros go to work

Once you’ve funded your account with at least $10, we’ll start investing. From there, we’ll keep an eye on how your account is doing and make any changes needed to help you stay on track to meet your goal. We’ll remind you to check in once a year, but if things change for you at any time, you can always let us know.

Get started

Having your money managed doesn’t need to cost a lot

$0 advisory fees under $25,000

0.35% for accounts $25,000 and above

Convert an existing Fidelity account

It’s quick, easy, and free¹ if you want to switch an eligible account to Fidelity Go and start having your money managed.

Get started

Take advantage of extra features once you reach $25,000

Financial coaching

Schedule unlimited 1-on-1 calls with advisors on our team to learn how to make a plan for retirement, get out of debt, achieve your goals, and more.

Tax-loss harvesting

In taxable accounts, we’ll help you lower your tax bill by looking for tax-loss harvesting opportunities in your funds that hold stocks.²

Fidelity Go gets the win!

Fidelity Go was awarded Best Robo Advisor of 2025 in Kiplinger’s annual online brokers and trading platform survey.

Research conducted from June to July 2025. Award given August 2025. Advisory services provided by Strategic Advisers LLC (Strategic Advisers) during the relevant analysis period. Strategic Advisers paid a fee to Kiplinger to display this ranking.³

Learn more about robo advisors

What's a robo advisor, and how does it work?

Learn about automated, low-cost investing.

Article

6 min

Robo advisor vs. target date fund

Do these investment options fit your portfolio?

Article

7 min

Take the first step toward your goal. We’ll take it from there.

Get started

Questions about Fidelity Go?

We can help you get started.

800-343-3548

Frequently asked questions

How does Fidelity Go® work?

With Fidelity Go^® you'll start by telling us about yourself and your individual financial goals so we can suggest an investment strategy for your account. Once your account is open, you can add money through either one-time or recurring transfers. Once your account balance reaches $10, we'll start investing for you in accordance with your goal, helping you track your progress along the way. Each year, we'll check in with you to ask if anything major in your life has changed, and if necessary, we'll adjust your investment strategy to fit with your new situation. And remember that this is a relationship. So if your needs change at any time, you can let us know and we can help by making changes consistent with your new goal.

Additional features:

All customers have access to our online planning tools, and once your account balance reaches $25,000, you'll also have access to unlimited 1-on-1 financial coaching sessions with a team of advisors. Whether you need help creating a budget, paying down debt, planning for retirement, or investing for your future, you'll have the comfort of knowing that 1-on-1 advice from Fidelity is just a call away.
For taxable accounts with a balance of at least $25,000, we'll look for tax-loss harvesting opportunities in your Flex Funds that hold stocks, which can help you lower your tax bill.

How much does Fidelity Go® cost?

What does Fidelity Go® do for me?

Once you provide some information about yourself and your financial goals, we'll handle all day-to-day investing decisions for your Fidelity Go® account, and we'll do the following:

Suggest an initial investment strategy, or mix of stocks and bonds in your account, according to information you provide, such as your goal, your time horizon, and your comfort with risk
Invest your money according to the investment strategy you've chosen after you fund your account with at least $10
Buy and sell investments in your account to maintain the investment strategy you've chosen, often referred to as "rebalancing"
Keep you informed about how your investments are doing
Remind you each year to review and update the information you've provided
Offer financial coaching sessions to you with our trained advisors once your account balance reaches $25,000
Look for tax-loss harvesting opportunities in your Flex Funds that hold stocks, once your balance reaches $25,000 (for taxable accounts only)

What types of Fidelity Go® accounts are available?

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.

Account documents (PDF)Clicking this link will open a new browser window

View all FAQs

Keep in mind that investing involves risk. The value of your investment will fluctuate over time, and you may gain or lose money.

1. There is no cost to convert an account. The sale of securities in your account in connection with the account conversion is subject to applicable redemption or other fees and may generate tax consequences.

2. Tax-smart (i.e., tax-sensitive) investing techniques (including tax-loss harvesting) are applied in managing certain taxable accounts on a limited basis, at the discretion of the portfolio manager primarily with respect to determining when assets in a client's account should be bought or sold. As the discretionary portfolio manager, Strategic Advisers LLC ("Strategic Advisers") may elect to sell assets in an account at any time. A client may have a gain or loss when assets are sold. There are no guarantees as to the effectiveness of the tax-smart investing techniques applied in serving to reduce or minimize a client's overall tax liabilities, or as to the tax results that may be generated by a given transaction. Strategic Advisers does not currently invest in tax-deferred products, such as variable insurance products, or in tax-managed funds, but may do so in the future if it deems such to be appropriate for a client. Strategic Advisers does not actively manage for alternative minimum taxes; state or local taxes; foreign taxes on non-U.S. investments; federal tax rules applicable to entities; or estate, gift, or generation-skipping transfer taxes. Strategic Advisers relies on information provided by clients in an effort to provide tax-sensitive investment management, and does not offer tax advice. Except where Fidelity Personal Trust Company (FPTC) is serving as trustee, clients are responsible for all tax liabilities arising from transactions in their accounts, for the adequacy and accuracy of any positions taken on tax returns, for the actual filing of tax returns, and for the remittance of tax payments to taxing authorities.

3. Kiplinger's magazine, Aug 2025 Online Broker Survey. Fidelity was ranked No.1 for best robo advisor out of nine online brokers. Results based on a survey of investment offerings, level of advice, account minimums, and annual fees. From Kiplinger Personal Finance. ©2025 The Kiplinger Washington Editors. All rights reserved. Used under license. For important disclosures about the relationship and services Fidelity offers to retail investors, including fees and costs, conflicts of interest, and standards of conduct, please view the Customer Relationship Summaries.

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

To be eligible for the financial coaching service through Fidelity Go, you must invest and maintain $25,000 or more in at least one eligible Fidelity Go account. Clients who are nearing or in retirement should understand that such financial coaching will not address retirement income planning.

Clients with $500,000 or more at Fidelity may be eligible for access to a dedicated Fidelity representative.

System availability and response times may be subject to market conditions.

Diversification and asset allocation do not ensure a profit or guarantee against loss.

The images, graphs, tools, and videos are for illustrative purposes only.

Fidelity, Fidelity Investments, the Fidelity Investments and pyramid design logo, Fidelity Go, and Fidelity Flex are registered trademarks of FMR LLC.

Fidelity Go^® provides discretionary investment management, and in certain circumstances, non-discretionary financial planning, for a fee. Advisory services offered by Strategic Advisers LLC (Strategic Advisers), a registered investment adviser. Brokerage services provided by Fidelity Brokerage Services LLC (FBS), and custodial and related services provided by National Financial Services LLC (NFS), each a member NYSE and SIPC. Strategic Advisers, FBS and NFS are Fidelity Investments companies.

Before investing, consider the funds' investment objectives, risks, charges, and expenses. Contact Fidelity for a prospectus or, if available, a summary prospectus containing this information. Read it carefully.

Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917

1012193.24.1

Take the guesswork out of investing with Fidelity Go®

Aligned with your goal

Managed by the pros

Ease into investing

How to get started with Fidelity Go

How to get started with Fidelity Go

Tell us what you’re investing for

We create your plan

Our pros go to work

Having your money managed doesn’t need to cost a lot

$0 advisory fees under $25,000

Convert an existing Fidelity account

Take advantage of extra features once you reach $25,000

Financial coaching

Tax-loss harvesting

Fidelity Go gets the win!

Learn more about robo advisors

What's a robo advisor, and how does it work?

Robo advisor vs. target date fund

Take the first step toward your goal. We’ll take it from there.

Questions about Fidelity Go?

Frequently asked questions

Stay Connected