Consider Fidelity's Robo - Advisor

Fidelity Go is Fidelity’s robo-advisor (automated investment management service). It offers a hands-off alternative to a pure DIY index-fund strategy while still using low- or zero-cost Fidelity funds.

Key Features (as of 2026)

• Account minimum : $0 to open; $10 to begin investing.
• Fees :
• $0 advisory fee on balances under $25,000.
• 0.35% annual advisory fee once the balance reaches $25,000 or more.
• Underlying investments are Fidelity Flex mutual funds with 0% expense ratios.
• How it works : You answer questions about your goals, time horizon, and risk tolerance. Fidelity builds and manages a diversified portfolio of Flex funds (U.S. large-cap, extended market/mid-small, international, bonds, and short-term holdings). It automatically rebalances.
• Extra features at $25,000+ :
• Unlimited 1-on-1 coaching calls (up to 30 minutes each) with Fidelity advisors for goal planning, retirement discussions, debt strategies, etc.
• Tax-loss harvesting in taxable accounts.
• Account types : Individual or joint taxable, Traditional/Roth/Rollover IRA, and HSA.
• Strengths : Extremely low cost for smaller balances, seamless integration with other Fidelity accounts, human oversight of the algorithm, strong customer service, and no trading/rebalancing fees.
• Limitations : Limited customization (no individual stocks, ETFs, ESG-specific options, or third-party funds). Portfolios stick to Fidelity Flex funds. The 0.35% fee becomes less competitive once balances grow large compared with pure DIY or some lower-fee competitors.

👉 Fidelity Go has received strong reviews and rankings (including “Best Robo -Advisor” recognition in some 2025 surveys) for its simplicity, low entry barrier, and performance relative to its own benchmarks.

Comparison to a Simple DIY Fidelity Index Fund Strategy ($100,000 Example)

Aspect	DIY Index Funds (e.g., FZROX / FNILX / FZILX)	Fidelity Go
Annual cost on $100k	Near $0 (ZERO funds) or ~0.015%	0.35% = $350
Management	You choose funds, allocate, and rebalance	Fully automated + human oversight
Rebalancing	Manual (or set calendar reminders)	Automatic
Guidance	Self-directed (or use free Fidelity tools)	Coaching calls available at $25k+
Tax features	Manual tax-loss harvesting if desired	Automated TLH at $25k+ (taxable)
Customization	Full control	Limited to risk-based model
Best for	Cost-conscious, hands-on investors	Hands-off investors who value automation and light guidance

On a $100,000 portfolio, the DIY route with Fidelity’s ZERO or ultra-low-cost index funds keeps nearly all returns in your pocket and gives you complete control. Fidelity Go trades a modest ongoing fee for convenience: no need to pick allocations, monitor drift, or remember to rebalance. The coaching access can also be useful for broader financial planning.

When Fidelity Go Makes Sense in the “Secure Your Family’s Future” Context

• You prefer a truly set-it-and-forget-it approach and are willing to pay 0.35% for automation and occasional human input.
• Your balance is still growing toward (or just above) $25,000 and you want the free tier while building the habit.
• You already bank or invest with Fidelity and want everything in one place.
• You value the combination of professional portfolio construction plus access to coaching without committing to a full-service advisor (which typically costs more).

For pure long-term equity growth with maximum compounding and lowest possible costs, a self-directed mix of Fidelity ZERO total-market and international funds (or a simple three-fund portfolio) remains hard to beat. Many experienced investors start with or switch to DIY once they are comfortable with basic asset allocation.

Fidelity Go is a solid, reputable option if the simplicity and light guidance are worth the fee to you. You can open or convert an existing Fidelity account to Go relatively easily and you can always move assets back to a self-directed brokerage later if your needs change. As always, match the choice to your time horizon, risk tolerance and desire for involvement rather than chasing any single “best” product.