Fidelity Go is a robo-advisor from Fidelity Investments. Strategic Advisers LLC manages each account day to day.
The holdings are Fidelity Flex mutual funds. The service sets the mix and rebalances it. In some taxable accounts, Fidelity Go also looks for tax-loss harvesting.
As of October 2026, there is no minimum to open an account. Investing starts once the balance reaches $10.
The advisory fee is $0 under $25,000. At $25,000 and above, the annual fee is 0.35% of the full balance.
Like other robo-advisors, Fidelity Go maps a goal, a time horizon, and risk comfort to a model portfolio. The account sits inside the broader Fidelity Investments brokerage relationship. Fidelity Brokerage Services LLC holds the account and is a member of the NYSE and SIPC.
What are the Fidelity Go core features at a glance?
As of October 2026, Fidelity Go is a discretionary account invested in Fidelity Flex mutual funds.
- No minimum to open. The strategy is invested once the balance reaches $10.
- Advisory fee is $0 under $25,000, then 0.35% a year on the full monthly average at or above that level.
- $25,000 adds unlimited 1-on-1 coaching calls. Taxable accounts at that level also get tax-loss harvesting in stock Flex funds.
- Flex funds stay in certain Fidelity fee-based accounts. A move to another firm, or to a self-directed Fidelity account, is paid out in cash after a sale.
How does Fidelity Go construct and manage portfolios?
Enrollment starts with a profile. Fidelity asks for age, goal, time horizon, household income, and risk tolerance.
A taxable account also provides a federal marginal tax rate. The program then proposes an allocation from conservative to aggressive.
The client can accept that proposal or select another strategy the program allows. Reasonable restrictions can be requested on the program site. If the strategy is not changed, and Smart Shift is off, the mix typically stays put until new profile information makes it no longer fit.
Smart Shift moves the account toward a target withdrawal year. It runs only while the account stays on the strategy Fidelity proposed.
A retirement goal within three years of that year needs an expected withdrawal amount to stay in Smart Shift. Smart Shift stops once that year is reached.
Each strategy holds Fidelity Flex mutual funds. Those funds generally hold domestic stocks, foreign stocks, bonds, or short-term investments.
The funds can differ for a taxable account, a health savings account, or an IRA. The client does not pick the individual funds.
Eligible registrations are a taxable individual or joint account, a traditional IRA, a Roth IRA, a rollover IRA, a SEP IRA, and an HSA. An enrollment still unfunded after 90 days can be closed.
Securities transferred in are sold. Fidelity treats the transfer as a direction to liquidate, and it does not apply tax-smart techniques to those sales. A taxable account can realize a gain or a loss.
Why are proprietary Fidelity Flex funds used?
Flex funds are managed by Fidelity Management & Research Company LLC. They are offered only in certain Fidelity fee-based accounts, including Fidelity Go.
The Fidelity Go Form ADV brochure states that the funds do not charge management fees or, with limited exceptions, fund expenses. Fidelity pays those expenses.
Access is paid from the advisory fee on accounts that hold the funds.
The funds trade once a day at net asset value. The account can buy and sell in dollar amounts rather than whole shares. Cash waiting to be invested or sent out sits in a core money market position.
Strategic Advisers will not transfer Flex funds to another firm or to a self-directed Fidelity brokerage account. That request is completed by selling the funds and sending cash.
A taxable sale can create a gain or a loss. The funds can move in kind only to another Fidelity fee-based account that accepts them.
How does the tiered advisory fee structure work?
The fee is set on each account, not across a household. Fidelity measures average daily assets on the last business day of the month.
The advisory fee for that month is $0 if the average is under $25,000. The fee is 0.35% a year if the average is $25,000 or more. That rate covers the whole balance.
Monthly amounts are added and deducted at quarter-end. There is no separate trading fee, transaction fee, or rebalancing fee. If the account leaves mid-quarter, the fee is prorated for the days it was managed.
| Month’s average daily balance | Advisory fee that month | What that balance adds |
|---|---|---|
| Under $25,000 | $0 | Online planning tools |
| $25,000 and above | 0.35% of the full balance | Coaching calls, and tax-loss harvesting in taxable accounts |
A year in which every month averages $100,000 costs $350. A month under $25,000 has no advisory fee.
The advisory fee is the main stated cost, because the Flex funds do not charge a management fee. Limited fund-expense exceptions are described in each prospectus, not as a second advisory rate.
What is the role of financial coaching in the service?
Coaching is nondiscretionary planning. It opens when a client keeps $25,000 or more in at least one Fidelity Go account. Fidelity describes it as unlimited 1-on-1 phone calls, including 30-minute calls on specific topics.
Topics include budgeting, debt, and planning concepts. Fidelity states that the calls do not address retirement income planning for clients nearing or in retirement. Buy and sell decisions stay with Strategic Advisers.
Clients with $500,000 or more at Fidelity may qualify for a dedicated representative in other Fidelity advisory programs. That access is separate from Fidelity Go coaching. Online planning tools remain available below $25,000.
How does the system handle automated rebalancing?
The account is rebalanced over time to the selected strategy. New deposits go into Flex funds after the $10 minimum is met. Coaching and tax-loss harvesting turn on within five business days of a deposit that crosses $25,000.
Tax-loss harvesting applies only to taxable accounts that keep at least $25,000. Strategic Advisers looks for losses in Flex funds that hold stocks, and it may replace a sold fund with another Flex fund of similar market exposure.
It does not harvest every loss. It weighs risk, replacement funds, and wash sales inside that account.
Those wash-sale checks stay inside the harvested account. They do not cover the client’s other accounts at Fidelity or elsewhere. The client remains responsible for wash-sale results across accounts.
Every taxable account can be managed with the client’s federal marginal tax rate in view. The program does not manage for state or local tax, the alternative minimum tax, foreign taxes, or estate and gift taxes. Fidelity states that these techniques do not assure a lower tax bill.
What are the tradeoffs and limitations?
Exit frictions and tax implications
Ending the account while it holds Flex funds means a sale, unless the funds move to another Fidelity fee-based account that accepts them. A taxable sale can create a gain or a loss.
Withdrawal trades are typically placed within five business days. Proceeds can go by check or to a bank.
A taxable exit can create a tax cost even when the advisory fee was $0.
Portfolio scope
The published mix is domestic stocks, foreign stocks, bonds, and short-term investments. Holdings can change, and they can differ by account type. The list is the Flex lineup Fidelity selects, not a catalog of outside ETFs.
Balance and planning limits
A balance under $10 is not invested. An enrollment unfunded for 90 days can be closed.
Coaching and tax-loss harvesting both require $25,000. Tax-loss harvesting is taxable accounts only, and only in stock Flex funds.
Coaching skips retirement income planning for clients near or in retirement.
What are the most common questions about Fidelity Go?
Is Fidelity Go SIPC insured?
Fidelity Brokerage Services LLC is a member of the SIPC. Protection applies if the brokerage fails and customer securities or cash are missing.
The limit is $500,000 per customer, including up to $250,000 for cash. It does not cover a decline in market value.
Can I choose which funds go into my portfolio?
No. Strategic Advisers picks the Flex funds and weights for the chosen strategy.
The client can accept the proposed strategy, pick another allowed strategy, or request reasonable restrictions. A self-directed Fidelity brokerage account cannot hold these Flex funds.
How do I withdraw money from my account?
A withdrawal can liquidate the account and send proceeds by check or to a bank. An in-kind transfer works only where the receiving account can hold the assets.
Liquidating trades are typically placed within five business days. Flex funds headed to another firm, or to a self-directed Fidelity account, are sold first.
Why do certain misconceptions about robo-advisory persist?
A zero advisory fee means the account has no consequence
Under $25,000 there is no advisory fee, and the Flex funds charge no management fee. The account still has market risk.
A later exit can require a taxable sale. At $25,000 and above, the 0.35% fee applies to the full monthly average.
These mutual funds trade through the day like ETFs
Flex funds trade once a day at net asset value. Dollar amounts can be invested without a whole share. Cash can still sit in the core money market position until it is invested or withdrawn.
Coaching calls are a full wealth-planning mandate
Coaching at $25,000 is nondiscretionary and by phone. It does not cover retirement income planning for clients nearing or in retirement.
Account trades stay with Strategic Advisers. A dedicated representative in other Fidelity programs is a separate tier, generally at $500,000 or more held at Fidelity.
