Pure Benchmarks · Portfolio Benchmark Report

Fidelity Go Review: Fees and How It Ranks Against Real Peers

Short answer

Your Fidelity Go portfolio is underperforming when its return trails a pure index baseline at the same risk level once every fee is counted. A single market index cannot answer that on its own, because it does not hold the same mix of stocks and bonds you do. Pure Benchmarks answers it by placing your actual holdings in one of nine risk categories, recategorized daily from end-of-day holdings, then ranking you against thousands of verified investor portfolios in that same category. For robo-advisors & micro-investing, the usual gap comes from the stacked-fee wrapper.

Fidelity Go at a glance

Advisory fee: $0 on balances under $25,000; 0.35% a year at $25,000 and above.
Minimum: $0 to open; investing starts once the balance reaches $10.
Invests in: Fidelity mutual funds, including Fidelity Flex funds.
How it works: You answer goal and risk questions, Fidelity proposes a strategy, then manages and rebalances it.

Read from fidelity.com. Checked October 2026. Fees and minimums change, so confirm the current figures on the provider's own site.

Fidelity Go is Fidelity's robo-advisor, building and rebalancing a portfolio of Fidelity funds, with no advisory fee on smaller balances and an asset-based fee above a set threshold.

Fidelity Go is Fidelity's robo-advisor, building and rebalancing a portfolio of Fidelity funds, with no advisory fee on smaller balances and an asset-based fee above a set threshold. Independent benchmarking for Fidelity Go portfolios. Pure Benchmarks ranks real Fidelity Go portfolios against thousands of other verified investor portfolios across nine standardized risk categories, from 100% equity to 90% fixed income. Every portfolio is recategorized daily from actual end-of-day holdings, and Community Nests shows exactly where your Fidelity Go portfolio ranks against other real Fidelity Go clients in the same risk category — built entirely from verified portfolio data, with no firm that manages money able to see any data point on the platform.

Benchmarking your Fidelity Go portfolio: why it can underperform a pure index baseline

The stacked-fee wrapper. Automated allocation is convenient, but it typically adds an advisory or subscription fee over the expense ratios of the funds held inside the portfolio. Holding the index directly avoids the extra layer, so the wrapper can create a structural drag against the baseline.

What to review on your Fidelity Go portfolio

Check whether your balance has crossed $25,000, the point at which the advisory fee starts.
Compare the managed result against a plain low-cost index allocation at the same risk level held directly.

Illustrative 10-year comparison — a standard managed portfolio versus a pure index baseline. Figures are illustrative only.

Year	Standard managed portfolio	Pure index baseline	Gap
Year 1	$105,200	$107,000	-$1,800
Year 3	$116,400	$122,500	-$6,100
Year 5	$128,700	$140,300	-$11,600
Year 7	$142,300	$160,600	-$18,300
Year 10	$165,100	$196,700	-$31,600

See exactly where your Fidelity Go portfolio stands.

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Fidelity Go portfolio questions, answered

How much does Fidelity Go cost?

Nothing in advisory fees while the balance is under $25,000. At $25,000 and above the fee is 0.35% a year. You can open an account with $0, and investing begins once the balance reaches $10.

Is my Fidelity Go portfolio underperforming?

It depends on what you compare it against. Measured against a pure index baseline at the same risk level, and against real investor portfolios in that same risk class, the answer becomes concrete instead of a guess. For a robo-advisors & micro-investing account specifically: compare the managed result against a plain low-cost index allocation at the same risk level held directly. Pure Benchmarks builds that comparison from your actual end-of-day holdings and updates the risk category daily as your allocation drifts.

How do I compare my Fidelity Go portfolio to other investors?

Link the account and Pure Benchmarks sorts the portfolio into one of nine standardized risk categories, from 100% equity to 90% fixed income, then ranks it inside Community Nests against thousands of other verified portfolios in that same category. The comparison is peer-to-peer, not a single index, so the result reflects how people invested like you actually did.

What is the right benchmark for my Fidelity Go portfolio?

A peer group in your own risk class, plus a pure index baseline held at the same risk level. Comparing a mixed stock-and-bond portfolio to the S&P 500 alone overstates or understates the result depending on the year, because the risk levels do not match. Matching the risk level first is what makes the comparison honest.

Do fees explain the gap on my Fidelity Go account?

Automated allocation is convenient, but it typically adds an advisory or subscription fee over the expense ratios of the funds held inside the portfolio. Holding the index directly avoids the extra layer, so the wrapper can create a structural drag against the baseline. Fidelity Go is Fidelity's robo-advisor, building and rebalancing a portfolio of Fidelity funds, with no advisory fee on smaller balances and an asset-based fee above a set threshold. Pure Benchmarks does not read your fee schedule; it measures the outcome, so any drag that comes from cost, product selection, cash handling, or turnover shows up in where the portfolio ranks against its peers.

Do I have to move money or leave Fidelity Go to use Pure Benchmarks?

No. Pure Benchmarks is read-only and free. It never moves money, never places trades, and no firm that manages money can see any data point on the platform. You keep the account exactly where it is and only gain the comparison.

What should I check first on my Fidelity Go portfolio?

Check whether your balance has crossed $25,000, the point at which the advisory fee starts. After that, compare the portfolio's return against a pure index baseline at the same risk level and against real peers in that risk class, which is the comparison this report is built on.

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This page is an information baseline for comparison only. It is not investment advice and not a recommendation to buy, sell, replace, or transfer any specific asset, account, or firm. Past performance does not guarantee future results. All figures shown are illustrative.