Fidelity Investments: Are There Rebalancing Fee Charges?

Fidelity Investments is a digital financial service that offers a range of investment options, including stocks, bonds, mutual funds, and retirement accounts. The company provides different types of accounts such as taxable accounts, simplified employee pension plans (SEP IRAs), and health savings accounts (HSAs). Fidelity also offers a robo-advisor service called Fidelity Go, which provides automated investment advice and portfolio management.

When it comes to rebalancing fees, Fidelity does not charge any fees for rebalancing your 401(k) portfolio. However, it's important to note that each plan may have different policies, and specific rebalancing information can be found in the Summary Plan Description (SPD). While there are no rebalancing fees, certain funds may have early redemption fees if shares are sold before a specified holding period, typically ranging from 7 to 90 days. These fees are known as contingent deferred sales charges and aim to reduce short-term trading.

Fidelity Go, the company's robo-advisor service, also does not charge any rebalancing fees. Instead, it offers tiered pricing based on account balance, with no advisory fee for balances under $25,000 and a 0.35% annual fee for balances above $25,000.

In summary, while Fidelity does not charge explicit rebalancing fees for 401(k) portfolios or its robo-advisor service, certain funds may have early redemption fees that apply when rebalancing involves selling shares before the specified holding period.

Fidelity Go®: no rebalancing fees

Fidelity Go® is a robo-advisor service that offers a range of investment options, including stocks, bonds, and mutual funds. It is a digital financial service that uses advanced technology to automate investing based on an individual's financial situation and goals.

Fidelity Go® offers a tiered pricing system based on account balance. For balances under $25,000, there is no advisory fee, and for balances of $25,000 or more, there is a 0.35% annual fee. This fee covers the cost of unlimited access to financial coaching and 1-on-1 phone calls with Fidelity advisors, who can assist with budgeting, debt management, retirement planning, and more.

One of the key advantages of Fidelity Go® is that there are no trading fees, transaction fees, or rebalancing fees. This means that customers can make changes to their investment choices and rebalance their portfolios without incurring any additional costs.

In addition to the absence of rebalancing fees, Fidelity Go® also offers other benefits such as no minimum initial investment, access to online planning tools, annual reviews, and a user-friendly account setup process. The service is well-suited for current Fidelity customers, hands-off investors who want human portfolio oversight, and those seeking low-cost investment management options.

Overall, Fidelity Go® provides a comprehensive and affordable investment solution, making it a competitive choice for individuals looking to grow their wealth.

No fees for accounts under $25,000

Fidelity Investments offers a range of account options, including the Fidelity Go® robo-advisor service. This service is designed to make investing quick, easy, and affordable. There is no minimum amount required to open a Fidelity Go® account, but you must have at least $10 in your account to begin investing.

Fidelity Go® offers tiered pricing based on your account balance. If your balance is under $25,000, you will not be charged an advisory fee. There are also no trading fees, transaction fees, or rebalancing fees for accounts under this threshold.

Fidelity Go® is a good option for those who want an all-digital robo-advisor service but are reluctant to hand off all control to a robot. The service is integrated with other Fidelity accounts, allowing customers who already have an IRA or taxable account with Fidelity to easily take advantage of the robo offering.

Fidelity Go® customers with balances under $25,000 will benefit from free portfolio management, no investment expense ratios, and human oversight of portfolio allocations.

0.35% fee for accounts over $25,000

Fidelity Investments offers a range of account options, including the Fidelity Go® robo-advisor service. This service offers a tiered pricing structure based on account balances. For accounts with balances under $25,000, there is no advisory fee. However, for accounts with balances of $25,000 or more, a 0.35% annual fee is charged. This fee grants access to unlimited 30-minute 1-on-1 phone calls with Fidelity advisors, who can provide coaching on budgeting, managing debt, retirement planning, and more.

Fidelity Go® offers a digital financial service that makes investing quick, easy, and affordable. After answering a few questions, Fidelity will build an investment strategy to meet your needs and handle the investing process for you. There is no minimum balance required to open a Fidelity Go® account, but a minimum of $10 is needed to start investing.

Fidelity Go® also provides access to online planning tools and annual reviews to ensure that your investment strategy remains aligned with your financial goals and life changes. Additionally, the service includes automatic rebalancing to maintain your chosen investment strategy.

It is important to note that investing involves risk, and the value of your investments may fluctuate over time.

No fees for changing investments

Fidelity Investments offers a range of investment options, including stocks, bonds, and mutual funds. There are no fees for changing investments with Fidelity. This means that you can rebalance your portfolio without incurring any additional costs.

Fidelity Go, for example, is a robo-advisor service that offers a tiered system based on account balance. For balances under $25,000, there is no advisory fee, while for balances of $25,000 or more, there is a 0.35% annual fee. Even with this fee structure, there are no trading fees, transaction fees, or rebalancing fees.

Fidelity also offers other types of accounts such as taxable (individual/joint), Simplified Employee Pension Plan (SEP IRA), and Health Savings Account (HSA). These accounts have different contribution limits and tax considerations, but they all share the benefit of no rebalancing fees.

In addition, Fidelity's $0 commission trades and no account fees make it an attractive option for investors. With no minimum initial investment required to open an account, Fidelity provides an accessible platform for those looking to invest without incurring high costs.

Overall, Fidelity's fee structure is designed to be straightforward and transparent, ensuring that investors are aware of any costs associated with their investments.

No fees for rebalancing 401(k)s

Fidelity Go is a robo-advisor service that offers a range of investment options, including 401(k)s. While there are fees associated with some of the services, there are no fees for rebalancing 401(k)s. This means that you can adjust your investment portfolio within your 401(k) without incurring any additional charges.

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

In addition, Fidelity Go uses Fidelity Flex Funds, which are mutual funds with zero expense ratios. These funds generally include domestic stocks, foreign stocks, bonds, or short-term investments.

While there are no rebalancing fees for 401(k)s, it's important to note that some funds may have early redemption fees if you sell shares before a certain period, typically ranging from 7 to 90 days. These fees are known as "contingent deferred sales charges" and are intended to reduce short-term trading.

Fidelity Go provides a digital financial service that makes investing quick, easy, and affordable. It offers a range of investment options, including taxable accounts, simplified employee pension plans (SEP IRAs), and health savings accounts (HSAs), in addition to 401(k)s. The service is designed to handle the day-to-day investment decisions for you, allowing you to track your progress and adjust your strategy as needed.

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