Fidelity Go Invest With Our Robo Advisor Fidelity Investments

Fidelity Go

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

Ease into investing with our robo advisor

A digital financial service With our robo advisor, answer a few questions and we'll build a strategy to meet your needs.
Professional management of your money We monitor the markets and automatically rebalance the portfolio to keep you on track.
Affordable investing Your money is invested in Fidelity Flex mutual funds, which do not charge management fees or, with limited exceptions, fund expenses.

Having your money managed shouldn t cost a lot

No advisory fees under $25,000
0.35% a year for balances of $25,000+; includes unlimited 1-on-1 coaching calls.
No minimum to open an account
$10 to invest. You may even be able to convert an existing Fidelity account.

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With Fidelity Go you’ll start by telling us about yourself and your individual financial goals—then we’ll suggest an investment strategy for your account. We'll then manage your money in accordance to your goals, helping you track your progress along the way. 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. We'll then monitor and adjust your investment strategy over time based on the updates you provide to your information and the other information we may have on file for your account. Personal financial coaching: All customers have access to our online planning tools, and once your account reaches a balance of $25,000, we have trained advisors to help guide you through your options. We’ll provide you with support to help you stay in control of your finances. Whether you need help creating a budget, paying down debt, retirement planning, or investing for your future, you’ll have the comfort of knowing that 1-on-1advice from Fidelity is just a coaching call away. Annual reviews: Life takes it turns—and we want to know all about them. Each year, we’ll check in with you to ask if anything major in your life has changed. If necessary, we’ll adjust your investment strategy to fit with your new situation And remember, this is a relationship. So, as your needs change, let us know and we can help by making changes consistent with your new goal. You don’t need to wait until your annual review to contact us! Fidelity Go offers tiered pricing based on your account balance. You'll pay no advisory fee for a balance under $25,000, or 0.35% per year for any balances of $25,000 and over. Either way, there are no trading fees, transaction fees, or rebalancing fees. There is no minimum initial investment to open a Fidelity Go account! Once your account hits $10 we'll start investing for you according to the investment strategy you've chosen. The minimum account balance to access financial coaching with our trained advisors is $25,000. 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. A hybrid robo advisor typically refers to a robo advisor that includes access to investment adviser representatives, whether via telephone or in person. In the case of Fidelity Go, we combine our digital offering with access to 1-on-1 financial planning and coaching via telephone for clients that invest at least $25,000 in a Fidelity Go account. For more information on coaching see "How does coaching work with Fidelity Go?" Once your Fidelity Go account reaches $25,000 you will have access to unlimited 30- minute coaching calls on specific topics with our trained advisors. On your 1-on-1 phone calls with a Fidelity advisor, you'll be able to discuss a financial plan for the future. During your conversations, an advisor will get to know what's important to you, work with you to prioritize your financial goals, and explain the importance of creating a financial plan to help make progress toward reaching them. You'll also get clear next steps so that you have tasks to complete and milestones to reach between each call. Fidelity Go HSA Accounts are not eligible for coaching. If you have an eligible Fidelity brokerage or retirement account, you can convert it to Fidelity Go. When converting an account, you will retain your existing account number, 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. 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. 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. You may not buy and sell individual investments in your Fidelity Go account. By enrolling in 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. Please contact us at 800-343-3548 for additional details.

Have more questions

Give us a call at and ask for "Planning"
8 a.m. to 6 p.m. ET,
Monday—Friday Keep in mind that investing involves risk. The value of your investment will fluctuate over time, and you may gain or lose money. Fidelity Go HSAs are not eligible for coaching. 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 Personalized Planning & Advice 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 $250,000 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 Fidelity Personal and Workplace Advisors LLC (FPWA), 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. FPWA, 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, , 900 Salem Street, Smithfield, RI 02917 1012193.8.0

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Ways to invest with us

Whether you're managing the investing on your own, or want Fidelity to handle it for you, we offer a range of account options to choose from. Do-it-yourself investing Fidelity Go What's included You choose your own investments, manage them yourself, and have access to online planning tools through our Planning & Guidance Center. If you have $250,000 or more invested at Fidelity, you may be eligible for dedicated support. Digital investment management to help keep your investment strategy on track. Access to unlimited 1-on-1 coaching calls when your balance reaches $25,000 or more. Investments Fidelity offers a wide range of investment options, including stocks, bonds, and mutual funds. We manage an account consisting of zero expense ratio Fidelity mutual funds for you. Minimums No minimum to open a retail brokerage account1 and invest on your own. No minimum to open an account. Fees Fees will vary based on the investments you choose. Do-it-yourself investing strategies, which you can explore in our Planning & Guidance Center, include target date funds,2 target allocation funds, or model portfolios of funds with fees and expenses. $0 advisory fees for balances under $25,000.
0.35% per year for balances of $25,000 or more. If you are looking for more comprehensive investment management solutions, consider a Account (through Fidelity Wealth Services) or a (through Fidelity Strategic Disciplines). If you’re interested in working 1-on-1 with a Fidelity advisor, consider the support we can provide through Fidelity . Investment minimums apply.
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 Go, Fidelity Wealth Services, and Fidelity Strategic Disciplines are advisory services offered by Fidelity Personal and Workplace Advisors LLC (FPWA), a registered investment adviser, for a fee. Portfolio Advisory Services accounts are discretionary investment management accounts offered through Fidelity Wealth Services. 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. FPWA, FBS and NFS are Fidelity Investments companies.
1. Zero account minimums and zero account fees apply to retail brokerage accounts only. Expenses charged by investments (e.g., funds, managed accounts, and certain HSAs) and commissions, interest charges, or other expenses for transactions may still apply. See for further details.
2. Target date funds are an asset mix of stocks, bonds, and other investments that automatically becomes more conservative as the fund approaches its target retirement date and beyond. Principal invested is not guaranteed. Important Information Virtual Assistant is Fidelity’s automated natural language search engine to help you find information on the Fidelity.com site. As with any search engine, we ask that you not input personal or account information. Information that you input is not stored or reviewed for any purpose other than to provide search results. Responses provided by the virtual assistant are to help you navigate Fidelity.com and, as with any Internet search engine, you should review the results carefully. Fidelity does not guarantee accuracy of results or suitability of information provided. Keep in mind that investing involves risk. The value of your investment will fluctuate over time, and you may gain or lose money.

Fidelity does not provide legal or tax advice, and the information provided is general in nature and should not be considered legal or tax advice. Consult an attorney, tax professional, or other advisor regarding your specific legal or tax situation.
Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917
796549.1.0