Fidelity Go review

Fidelity Go is the cheapest way to start here because it charges no advisory fee while your balance is under $25,000, has no minimum to open and begins investing once you add $10. Fidelity's team builds the strategy from your goal, time horizon and comfort with risk, rebalances it and checks in once a year. The pricing changes at $25,000: the fee becomes 0.35% a year, which is above the 0.25% charged by Betterment and Wealthfront, but the same threshold unlocks unlimited 1-on-1 coaching sessions with Fidelity advisors and, in taxable accounts, tax-loss harvesting in Flex Funds that hold stocks. Account types include taxable individual and joint accounts and IRAs. Converting an existing eligible Fidelity account is free. For a beginner who will stay below $25,000 for a while, the service costs nothing beyond fund expenses. Larger accounts may pay less at Vanguard or Wealthfront.

Who it is for

Beginners with less than $25,000 to invest

Price

$0 advisory fee under $25,000; 0.35% per year from $25,000; $10 to start investing.

charges no advisory fees while your account balance is under $25,000.
Quoted from the vendor pricing page on November 12, 2026.

Key features

• No advisory fee on balances under $25,000
• No minimum to open and investing starts at $10
• Unlimited 1-on-1 financial coaching sessions from $25,000
• Tax-loss harvesting in Flex Funds for taxable accounts from $25,000
• Annual check-in on goals and automatic rebalancing

Strengths and weaknesses

• Strength: $0 advisory fee covers a balance of up to $24,999
• Strength: Lowest entry point on this list at $10 to start investing
• Strength: Coaching with Fidelity advisors is unlimited from $25,000
• Weakness: 0.35% from $25,000 is the highest robo fee here after Merrill
• Weakness: Tax-loss harvesting and coaching wait until $25,000
• Weakness: Portfolios use Fidelity Flex Funds

Key facts

• Advisory fee: $0 under $25,000, 0.35% from $25,000
• Minimum to open: $0
• Starts investing at: $10
• Coaching: Unlimited from $25,000

Where it ranks

Fidelity Go is No. 3 in our Best Robo Advisors verdict.