Fidelity Go vs Vanguard Digital Advisor

Fidelity Go

• ✓No advisory fee on accounts under $25,000
• ✓Zero expense ratio Fidelity Flex funds for truly free investing at small balances
• ✓No account minimum to get started investing
• ✓Access to one-on-one coaching included at 0.35% fee tier
• ✓Seamless integration with existing Fidelity accounts and services

Vanguard Digital Advisor

• ✓Among the lowest all-in costs at approximately 0.15% annually
• ✓Backed by Vanguard's $8 trillion AUM and investor-first ownership structure
• ✓Uses Vanguard's own industry-leading low-cost index funds and ETFs
• ✓Automatic rebalancing and glide path adjustments as you age
• ✓Integrated with existing Vanguard accounts for seamless management

Fidelity Go

• !Advisory fee of 0.35% above $25K is higher than Wealthfront or Vanguard
• !Limited to Fidelity Flex mutual funds only, no ETF options
• !No tax-loss harvesting feature available
• !Fewer customization options than some competitors

Vanguard Digital Advisor

• !Requires a $3,000 minimum investment to get started
• !Must have a Vanguard brokerage account — cannot use external accounts
• !Limited to Vanguard funds only, no access to non-Vanguard ETFs
• !Fewer features and tools compared to Wealthfront or Betterment

Fidelity Go

• →Beginning investor with a small balance wanting a free robo-advisor
• →Fidelity customer wanting simple automated investing alongside existing accounts
• →Young professional starting to invest with no minimum balance requirement

Vanguard Digital Advisor

• →Existing Vanguard investor wanting automated portfolio management
• →Cost-conscious retiree seeking the lowest possible advisory fees
• →Buy-and-hold investor who trusts the Vanguard brand and philosophy

Fidelity Go

Fidelity Go offers a straightforward robo-advisory experience with no advisory fee on accounts under $25,000, making it one of the most accessible options for beginning investors. Above $25,000, the fee is a competitive 0.35% annually which includes access to one-on-one coaching sessions with Fidelity advisors. The platform invests in Fidelity Flex mutual funds with zero expense ratios, creating a potentially zero-cost investing experience for smaller accounts. Fidelity Go integrates seamlessly with other Fidelity accounts and the broader Fidelity ecosystem.

Vanguard Digital Advisor

Vanguard Digital Advisor brings the trusted Vanguard brand to automated investing with an all-in cost target of approximately 0.15% annually — among the lowest in the robo-advisor space. The platform manages your portfolio using Vanguard's own low-cost index funds and ETFs, automatically rebalancing and adjusting your asset allocation as you approach your goals. With Vanguard's reputation for putting investors first and over $8 trillion in global assets under management, Digital Advisor provides the confidence of institutional-grade investment management at a fraction of the cost of traditional advisors.