Fidelity Go

Fidelity Go is the entry-level robo-advisor from Fidelity, and it charges zero fees if you keep your account under $25,000. The service builds a diversified portfolio of low-cost Fidelity index funds matched to your timeline, then automatically rebalances quarterly to keep your allocation on track. You can open a traditional or Roth IRA through Fidelity Go, combining investment management with tax-advantaged retirement savings in one account.

This option works well for retirees with modest portfolios who want professional-grade investing at no cost. Fidelity's 75-year track record and integration with its broader services (bank accounts, advisor access, brokerage trading) provide confidence, while the zero fee removes any hesitation about trying automated investing.