Fidelity Go®

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

Smart automation makes investing simple and easy

We know that choosing and managing your own investments may not be high on your to-do list. Fidelity Go lets you access professional money management on your terms so you can spend more time focusing on what matters to you.

And it's easy to get started. There's no minimum to open an account. You may even be able to convert an existing Fidelity brokerage or retirement account.

Having your money managed shouldn't cost a lot

No advisory fees under $10,000

$10,000–$49,999 = $3 a month
$50,000+ = 0.35% a year

No minimum balance to open an account

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

Just a few of the many reasons to try Fidelity Go

Professional management of your money

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

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.

Monthly progress updates

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

Are you also looking for some financial advice?

If you are, you may want to consider Fidelity® Personalized Planning & Advice. On top of managing your investments, your account also comes with unlimited 1-on-1 coaching calls from a team of Fidelity advisors who can help you evaluate your financial picture.


  • How does Fidelity Go® work?

    With Fidelity Go®, 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. Then we'll suggest an investment strategy consisting of Fidelity funds that hold stocks, bonds, and short-term investments. You can also give us more information about yourself, which allows us to know you better and helps us suggest an investment strategy that may be even more closely aligned to your financial situation. When you don’t provide us with the additional information, we propose an investment strategy using the information you provided us along with assumed responses about you based on information we derive about similarly aged investors or investors with a similar time horizon from other Fidelity programs and services.

    You can select the proposed investment strategy or another strategy that you believe is appropriate for you (subject to certain constraints). 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 convert an existing Fidelity brokerage or retirement account to a Fidelity Go® or Fidelity® Personalized Planning & Advice account instead of opening a new one?

    If you have an eligible Fidelity brokerage or retirement account, you can convert it to either Fidelity Go® or Fidelity® Personalized Planning & Advice. When converting an account, the existing account number will remain the same, along with other features like beneficiary designations, automatic deposits, and automatic withdrawals, if applicable.

    If you choose to open an account, we'll display any Fidelity accounts that are eligible to be converted. Only certain accounts can be converted at this time.

  • 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. If you prefer to choose your investments, you could open a brokerage 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 account will hold a combination of Fidelity Flex® mutual funds. These funds generally hold domestic stocks, foreign stocks, bonds, or short-term investments. Depending on your investment strategy and your account, we'll choose which funds we think will help you meet your goals.

  • What are Fidelity Flex® funds?

    Fidelity Flex® funds are a lineup of Fidelity mutual funds that have zero expense ratios, and include proprietary active and passive funds. Flex funds are currently available only to certain fee-based accounts offered by Fidelity, like Fidelity Go®. Unlike many other mutual funds, the Flex funds do not charge management fees or, with limited exceptions, fund expenses. Instead, a portion of the advisory fee you pay is allocated to access the Flex funds in which your account will be invested.

  • 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 is smart automation?
    The phrase "smart automation" describes the work the Fidelity Go® team of money managers does to make adjustments to your investment strategy and keep your investments on track, so you don't have to.
  • 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
    • 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 may 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 2022 IRS contribution limits are $3,650 for individual coverage and $7,300 for family coverage. For 2023, the IRS contribution limits for HSAs are $3,850 for individual coverage and $7,750 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 toward them.
  • How do I spend money in my Fidelity Go® HSA?

    Even though Fidelity Go® HSAs are intended for investing goals of 3 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 10 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 Bill Pay 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 toward investment goals with a long-term horizon of 3 years or more.

Have more questions?

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

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