Partnership Disclosure We might be compensated by one of our IRA partners for an account you open through our platform. This helps us keep the service free, but it never impacts the fees you’ll pay on your new account. We only win if you do, and our job is to help you simplify your retirement accounts. We also help people who already have an IRA account even though we receive no compensation in these situations—because it’s just the right thing to do!

Fidelity Go IRA Review


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• Free management services for accounts under $10,000
• No account minimums
• Ability to influence the portfolio they create for you
• Human oversight for automated accounts


• No access to a human advisor
• Your portfolio will mainly have Fidelity funds in it


Best if you wantAn automated portfolio from one of the biggest brands in finance with solid customer support and reasonable fees.
What you can invest inAll digital advisors create a diversified portfolio of ETFs (Exchange-traded funds) based on your risk tolerance and preferences.
LimitationsYour portfolio will mainly have Fidelity funds in it, but Fidelity’s management fee covers the cost of those funds so you’ll only pay one all-in fee.
Account minimum$0
Ease of Use4 stars

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Best if you want

Fidelity Go is a great choice for investors looking for expert advice from one of the biggest names in retirement savings. The Fidelity Go “roboadvisor” is a low-cost solution that invests primarily in Fidelity index funds to give investors a well-diversified retirement profile. Fidelity Go may be a good option for investors with a low balance – there’s no advisory fee on accounts under $10,000.

Despite being an automated investment option, Fidelity Go still offers its customers some flexibility in choosing their own investments, which is different than some of its competitors, like Betterment and Wealthfront, which do not offer investors the ability to choose their own investment options.


Most automated accounts charge what’s known as an “advisory” or “management fee” to manage your portfolio for you. This fee is usually expressed as a percentage of your assets that’s paid each year (e.g. 0.50% per annum).

At Fidelity Go, the advisory fee paid depends on your account balance. Here’s the breakdown:

  • Accounts under $10,000 aren’t charged an advisory fee
  • Accounts between $10,000 and $49,999 are charged a $3/month advisory fee
  • Accounts over $50,000 are charged an annual advisory fee of 0.35% (e.g. $175/year with a $50,000 account balance)

What you can invest in

When you set up your account with Fidelity Go, they’ll ask you a series of questions about your financial situation and preferences. This is known as a “risk-tolerance questionnaire” and is a common starting point when a portfolio is created for you.

Based on your answers and how much risk you’re willing to take, Fidelity Go will create a portfolio for you. They’ll invest your money mostly in Fidelity Index funds, and your portfolio will be regularly monitored and rebalanced by a human investment management team. Unlike most other roboadvisors, Fidelity allows you to make changes to the investment options they recommend, which could be beneficial for investors who are looking for a mostly hands-off option that still offers some investment autonomy.

Other features

Fidelity offers its advisory clients access to research and financial planning tools. In addition, investing at Fidelity means you may be eligible for other benefits, such as a Fidelity Rewards Signature Visa card. The Signature Visa card comes with a $0 annual fee and can help you earn up to 2% cash back, which can be deposited into an eligible Fidelity investment account (including IRAs!).


Your portfolio will mainly have Fidelity funds in it, but Fidelity’s .35% fee now covers the cost of investing in those funds so you’ll only pay one all-in fee.


Fidelity Go is a great option for investors looking for an expertly managed IRA, but still want to maintain some autonomy in the investment options chosen. It’s also great for investors looking for an option that offers the low-fees of a roboadvisor, but still like the idea of having the account monitored by real people. Fidelity’s commitment to making investing easy and accessible for everyone is a very good choice for people looking to have their retirement handled at a low cost.

Compare Fidelity Go IRA to another IRA product

Ready to take control of your assets?

Capitalize helps you consolidate your old 401(k)s by rolling them into an IRA of your choosing. Use an existing IRA if you have one, or we’ll help you open one if you don’t.