Digital Personal Investing Hybrid Robo Advisor
Digital & Personal Investing Hybrid Robo Advisor Fidelity
Plus, you'll be able to schedule 1-on-1 discussions with Fidelity advisors to review progress and future savings milestones to aim for.
Are you saving for a big purchase or building wealth for the future? Whether you're converting an existing Fidelity brokerage or retirement account or opening a new account, we can suggest an investment strategy and provide ongoing 1-on-1 financial coaching to help you make progress on your goal.
Professional investment management
We'll suggest an investment strategy for your account, manage it, and make adjustments along the way to help keep your savings goal on track.
1-on-1 financial coaching
Our team of Fidelity advisors will help you evaluate your financial picture and provide advice on coaching calls when you need it.
Flexible financial planning
As your life changes, we'll work with you to help adjust your financial plan to make sure it's in line with what's important to you.
The investments in this example have different fees, features, characteristics, and risks, which should be carefully considered before investing. FDIC-insured accounts do not have risk.
This chart is for illustrative purposes only and doesn't reflect the actual or implied performance of Fidelity Personalized Planning & Advice. Keep in mind past performance does not guarantee future results. The hypothetical accounts are based on historical returns from January 1, 2010 to March 31, 2020. Indexes are unmanaged and it's not possible to invest in an index.
How we calculated the estimates: 1. Assumed a one-time deposit of $10,000 at the period start date in "traditional savings" account and a "conservative investment" account. 2. There were no withdrawals from the accounts during the timeframe. 3. No fees or taxes were applied, and returns would have been reduced by fees and expenses. 4. Investments in "traditional savings" account assumed only an FDIC-insured account. Returns were calculated by applying the historical national average rate of return for savings account from FDIC from January 1, 2010 to March 31, 2020. 5. For the "conservative investment" account, calculations were made by using the S&P Target Risk Conservative Index historical returns for the same period and include a period of positive returns for underlying investments. If other time periods were used, results would have been different. The S&P Target Risk Conservative Index is designed to measure the performance of conservative 30/70 stock-bond allocations to fixed income, seeking to produce a current stream and avoid excessive volatility of returns. Equities are included to help protect long-term purchasing power. Unlike the traditional savings account, the S&P Target Risk Conservative Index does not carry FDIC insurance to protect from loss.
Estimate of $10 42 mo is based on an account balance of $25,000 and our 0.50% gross advisory fee. Total costs will vary with account balance, and estimates are based on the assumption that you will fund your account with cash and your account balance does not change for a year.
Ask for "Planning"
$10,000–$49,999: $3 per month
$50,000 and above: 0.35% per year 0.50% per year 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 one-on-one 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.
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.
3. Fund expense information is as of 8/21 and reflects the range of the Fidelity Freedom Funds (target date), the Fidelity Asset Manager Funds (target allocation), and asset-weighted net expense ratios for Fidelity fund only multiple-fund model portfolios. Please refer to the applicable fund prospectus for more information about fund fees. 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
Make real progress on your financial goals
Fidelity Personalized Planning & Advice is our hybrid robo advisor that combines a professionally managed account with financial coaching to help you get closer to reaching retirement or other savings goals.Start saving for what matters most to you
We'll recommend an investment strategy for your retirement account (like an IRA) that's in line with your goals. Then we'll show you how to fund it, whether you're converting an existing Fidelity brokerage or retirement account or opening a new account.Plus, you'll be able to schedule 1-on-1 discussions with Fidelity advisors to review progress and future savings milestones to aim for.
Are you saving for a big purchase or building wealth for the future? Whether you're converting an existing Fidelity brokerage or retirement account or opening a new account, we can suggest an investment strategy and provide ongoing 1-on-1 financial coaching to help you make progress on your goal.
Simple investing plus 1-on-1 financial advice
What s included with your Personalized Planning & Advice account
Professional investment management
We'll suggest an investment strategy for your account, manage it, and make adjustments along the way to help keep your savings goal on track.
1-on-1 financial coaching
Our team of Fidelity advisors will help you evaluate your financial picture and provide advice on coaching calls when you need it.
Flexible financial planning
As your life changes, we'll work with you to help adjust your financial plan to make sure it's in line with what's important to you.
Wondering if Personalized Planning & Advice is right for you
Get a free financial assessment. Call us at and ask for "Planning."It matters where you put your money
Here's a hypothetical example of how $10,000 would have grown over the past 10 years if it was invested in a conservative mix of investments (like the S&P Target Risk Conservative Index, using actual historical returns) versus a traditional savings account (using actual historical interest rates from FDIC weekly averages).The investments in this example have different fees, features, characteristics, and risks, which should be carefully considered before investing. FDIC-insured accounts do not have risk.
This chart is for illustrative purposes only and doesn't reflect the actual or implied performance of Fidelity Personalized Planning & Advice. Keep in mind past performance does not guarantee future results. The hypothetical accounts are based on historical returns from January 1, 2010 to March 31, 2020. Indexes are unmanaged and it's not possible to invest in an index.
How we calculated the estimates: 1. Assumed a one-time deposit of $10,000 at the period start date in "traditional savings" account and a "conservative investment" account. 2. There were no withdrawals from the accounts during the timeframe. 3. No fees or taxes were applied, and returns would have been reduced by fees and expenses. 4. Investments in "traditional savings" account assumed only an FDIC-insured account. Returns were calculated by applying the historical national average rate of return for savings account from FDIC from January 1, 2010 to March 31, 2020. 5. For the "conservative investment" account, calculations were made by using the S&P Target Risk Conservative Index historical returns for the same period and include a period of positive returns for underlying investments. If other time periods were used, results would have been different. The S&P Target Risk Conservative Index is designed to measure the performance of conservative 30/70 stock-bond allocations to fixed income, seeking to produce a current stream and avoid excessive volatility of returns. Equities are included to help protect long-term purchasing power. Unlike the traditional savings account, the S&P Target Risk Conservative Index does not carry FDIC insurance to protect from loss.
Money management and financial advice should be affordable
That's why all you'll pay is a 0.50% advisory fee. $25,000 minimum Estimated total cost$10 42 mo
Note: There's a $25,000 minimum balance to get started, which can be held in one Personalized Planning & Advice account or as a combined balance for multiple Personalized Planning & Advice accounts.Estimate of $10 42 mo is based on an account balance of $25,000 and our 0.50% gross advisory fee. Total costs will vary with account balance, and estimates are based on the assumption that you will fund your account with cash and your account balance does not change for a year.
What to expect next
Get a free proposal
Tell us about your savings goal and we'll suggest a no-commitment investment strategy to help you work toward it.Accept open and fund
After accepting the proposal, you can open and fund your account. We'll then make all the investing decisions for the account based on your investment strategy.Stay on track
We'll adjust your strategy, when needed, and be available to answer questions about your financial future.Ready to get started
It'll take about 5 minutes. Questions?Ask for "Planning"
Frequently asked questions
It could be. Start by asking yourself these questions: Do you enjoy the convenience of accessing your accounts online? Do you feel you'd have a better likelihood of meeting your financial goals with the support of professionally managed accounts? Do you desire personalized coaching with an advisor to help you with your financial decisions? Are you willing to pay a small fee for someone to manage your money and help you with your financial planning needs? If you answered yes to these questions and have at least $25,000 to invest, then Personalized Planning & Advice may be a fit for you! 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 is a service that typically combines a professionally managed account (through the help of a robo advisory service) with access to financial guidance or planning. For many hybrid robo advisors, the guidance and planning services are available through phone or video calls with human financial advisors. By meeting over the phone and through computer or app-based video conferencing, these services can come at a lower cost than meeting in person with a traditional financial advisor. 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. Your financial wellness is our priority. We want to help you navigate life's big decisions by giving you the flexibility to get advice when and how you need it. Our online coaching means 24/7 access to financial planning tools and curated articles relevant to your situation. Then, if you need to go deeper and want advice from our trained advisors, you can schedule a 30-minute coaching call on specific topics. 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 with that goal, helping you track your progress and providing coaching calls along the way. 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. We begin our relationship with the most important part: getting to know you. Your online profile helps us understand your goals—and we'll also gauge your current financial needs. From there, we'll propose an investment strategy, as well as recommend next steps to help you improve your financial health. Life takes turns—and we want to know all about them. At least once a year, we'll ask you to review your information, checking in with you to make sure nothing major in your life has changed. If necessary, we can adjust your investment strategy to help ensure it's consistent with your new situation. And remember, this is a relationship. So, as your needs change, let us know and we may update your investment strategy to align with your new goals. We encourage you not to wait until your next annual review to contact us! Keep in mind that investing involves risk. The value of your investment will fluctuate over time, and you may gain or lose money. IMPORTANT: The projections or other information generated by the Planning & Guidance Center regarding the likelihood of various investment outcomes for your goals are hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results. Your results may vary with each use and over time. To be eligible for the Fidelity Personalized Planning & Advice program you must invest and maintain a minimum of $25,000, in the aggregate, in one or more of your program accounts. A program account will not be invested according to a selected asset allocation strategy until the account has a balance of at least $10. Fidelity Personalized Planning & Advice is not currently designed for clients who are retired, within three years of retirement, or in need of retirement income planning. 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. 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 for a fee. Fidelity Personalized Planning & Advice provides non-discretionary financial planning and discretionary investment management for a fee. Advisory services offered by Fidelity Personal and Workplace Advisors LLC (FPWA), a registered investment adviser. Discretionary portfolio management services provided by Strategic Advisers LLC (Strategic Advisers), 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, Strategic Advisers, FBS and NFS are Fidelity Investments companies. FPWA and Strategic Advisers also offer other advisory services, including Fidelity Personalized Planning & Advice at Work, which is available exclusively through workplace savings plans that have selected FPWA and Strategic Advisers to provide advisory services to eligible plan participants. References to Fidelity Personalized Planning & Advice refer solely to the investment advisory program described herein, and not to Fidelity Personalized Planning & Advice at Work. 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 868119.33.0Footer
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We manage these accounts for you
Fidelity Go Fidelity Personalized Planning & Advice What's included Digital investment management to help keep your investment strategy on track Digital investment management, plus digitally led planning and access to financial advice during 1-on-1 calls with Fidelity advisors Investments We manage an account for you consisting of zero expense ratio Fidelity mutual funds We manage an account for you consisting of zero expense ratio Fidelity mutual funds Minimums No minimum to open an account $25,000 managed through Personalized Planning & Advice Advisory fee Under $10,000: $0$10,000–$49,999: $3 per month
$50,000 and above: 0.35% per year 0.50% per year 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 one-on-one 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.
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.
3. Fund expense information is as of 8/21 and reflects the range of the Fidelity Freedom Funds (target date), the Fidelity Asset Manager Funds (target allocation), and asset-weighted net expense ratios for Fidelity fund only multiple-fund model portfolios. Please refer to the applicable fund prospectus for more information about fund fees. 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