Fidelity's Investment Strategies: Your Money, Their Moves

Fidelity is a financial service corporation offering a range of investment options, including robo-advisors, brokerage accounts, and advanced trading features. Its robo-advisor, Fidelity Go, provides automated investment management for hands-off investors, beginners, and existing Fidelity clients. With a low account minimum of $10 and no fees for accounts under $25,000, Fidelity Go is a compelling option for new investors. However, for accounts over $25,000, an annual fee of 0.35% is charged. While Fidelity Go offers a straightforward investment solution, it lacks certain features such as tax-loss harvesting and specialty portfolio options. Overall, Fidelity provides a wide range of investment choices, making it a good choice for investors seeking a comprehensive platform.

Fidelity Go: A robo-advisor with no fees for accounts under $25,000 and a 0.35% annual fee for balances over $25,000

Fidelity Go is a robo-advisor service that makes investing quick, easy, and affordable. It is a digital financial service that automates investing based on the information provided by the investors about themselves and their financial situation.

Fidelity Go offers a tiered pricing system based on your account balance. There is no advisory fee for a balance under $25,000, and a 0.35% annual fee for balances of $25,000 or more. There are no trading fees, transaction fees, or rebalancing fees.

Fidelity Go is a good choice for investors who want an all-digital robo-advisor with low costs. It is also a good option for current Fidelity customers and those who want human oversight of their portfolio. The service is integrated with other Fidelity accounts, making it easily accessible to those who already have an IRA or taxable account with Fidelity.

Fidelity Go offers unlimited access to 1-on-1 financial coaching with trained advisors once your account reaches $25,000. The service also includes annual reviews to check in with you about any major life changes and adjust your investment strategy accordingly.

Fidelity Go uses a combination of Fidelity Flex mutual funds, which include domestic stocks, foreign stocks, bonds, and short-term investments. The specific funds in each portfolio vary based on your financial goals.

The robo-advisor service also includes automatic rebalancing, which means that investments are periodically bought and sold to keep the portfolio in line with the chosen investment strategy.

Fidelity Managed FidFolios: Professionally managed portfolios of personalised stocks with a $5,000 minimum and a 0.70% annual fee

Fidelity Managed FidFolios is a professionally managed investment portfolio service that offers customised portfolios of individual stocks. This service is designed for those who want a more personalised approach to investing and have a minimum of $5,000 to invest. With a team of Fidelity experts employing tax-smart investment strategies, your portfolio will be carefully managed to help you reach your financial goals.

Here's how it works: after choosing an investment strategy online, you'll gain access to Fidelity's online planning resources, which will guide you through the next steps and help you track your progress. Your portfolio will be automatically rebalanced to ensure it stays aligned with your chosen strategy. This service also includes access to coaching once your balance reaches $25,000.

One key advantage of Fidelity Managed FidFolios is the low minimum investment requirement of $5,000, making it more accessible than some other managed account services. Additionally, with a 0.70% annual fee, it offers a cost-effective way to benefit from professional investment management. This fee structure ensures that you only pay for the services you use, making it a good choice for those who want a more affordable option.

Fidelity Managed FidFolios is a suitable option for investors seeking a personalised approach, tax-smart strategies, and expert guidance. By leveraging Fidelity's digital investment management and advice, you can make informed decisions and stay on track with your financial goals.

Fidelity Wealth Management: A dedicated financial advisor offering financial planning and ongoing management. The minimum fee is $500,000, and the gross advisory fee is 0.50%-1.50%

Fidelity Wealth Management is a dedicated financial advisory service offered by Fidelity. It provides financial planning and ongoing investment management services to clients with a minimum of $500,000 in eligible Fidelity accounts. The gross advisory fee for this service ranges from 0.50% to 1.50%.

Fidelity Wealth Management offers a comprehensive and personalized approach to financial planning and investment management. A dedicated Fidelity advisor works closely with clients to understand their financial goals, priorities, and risk tolerance. This service covers various aspects of financial planning, including retirement, taxes, healthcare, and estate planning.

The investment management service includes portfolio management, ongoing monitoring, and rebalancing. Advisors work with clients to assess their investment options and choose the most appropriate ones considering their priorities and risk tolerance. This service also provides tax-sensitive investment management techniques to help clients retain more of their investment gains.

Fidelity Wealth Management also offers specialized services such as separately managed accounts, fixed income and bond investing, and trust solutions for inheritance and estate planning. Advisors can connect clients with third-party investment advisors who offer additional specialized services, such as integrated tax planning and preparation.

The service is designed to be a collaborative partnership between the advisor and the client, with regular reviews and adjustments to ensure the financial plan remains aligned with the client's evolving needs and goals.

Fidelity Youth Account: A free DIY investing account for minors (teens) with a parent or guardian who has an existing Fidelity account

The Fidelity Youth Account is a free DIY investing account for minors (teens) aged 13-17 with a parent or guardian who has an existing Fidelity account. The account has no subscription fees, no account fees, and no minimum balance requirements. It is a teen-owned brokerage account, meaning the teen has control over the account and makes all investment decisions. Parents can view their teen's investments, transactions, and account activity, and receive notifications of account activity. They can also schedule their teen's allowance on a weekly or bi-weekly basis and edit, pause, or stop allowances via the app.

Teens can request a debit card to manage their money, and automatic savings can help them reach their goals faster. They can invest with as little as $1 and can exchange unused gift cards for cash to save or invest. The app also offers in-app lessons and rewards, allowing teens to learn the basics of saving and investing with interactive lessons and earn rewards for completing them.

When a teen with a Fidelity Youth Account turns 18, their account must be converted to a regular Fidelity brokerage account. The assets will remain in the same account, and the teen will keep the same account number and login credentials.

Fidelity Crypto Accounts: Commission-free trades for buying and selling bitcoin, ether, and litecoin

Fidelity Crypto Accounts offer an easy and secure way to buy and sell cryptocurrencies like Bitcoin, Ethereum, and Litecoin. With a minimum deposit of just $1, Fidelity Crypto is a great option for beginners or casual crypto investors looking to explore the emerging world of cryptocurrency.

• Commission-free trades: Buy and sell Bitcoin, Ethereum, and Litecoin with no commissions, allowing you to keep more of your profits.
• Low minimum deposit: You can start investing in cryptocurrencies with as little as $1, making it accessible to a wide range of investors.
• Security and trust: Fidelity is a trusted leader in the crypto space, offering institution-level security measures and reliable support. They have been innovators in crypto since 2014, providing expertise in security and reliable support.
• Education: Fidelity Crypto Accounts come with educational resources, including news, articles, podcasts, webinars, and interactive episodes to help you make informed decisions about your crypto investments.
• Convenience: Trade cryptocurrencies in the same app where you trade stocks. The Fidelity Crypto platform is also built into the award-winning Fidelity mobile app, so you can manage your traditional and crypto investments in one place.
• Accessibility: Fidelity Crypto is available to US citizens over the age of 18 who reside in eligible states where Fidelity Digital Assets® serves customers.

It's important to remember that crypto investing is risky and highly volatile. Crypto is not insured by the Federal Deposit Insurance Corporation or the Securities Investor Protection Corporation, and investors do not have the same regulatory protections as registered securities. Make sure you understand the risks involved before investing.

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