Reddit · r/fidelityinvestments · 2 days ago
Started out in Fidelity Go, which gave a spread across small, medium, large, bond and international funds at no cost, before later self-managing.
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Fresh experiences from real customers, collected from Reddit, YouTube and blogs and linked to their sources.
Reddit · r/Bogleheads · 21 days ago
They use Vanguard Digital Advisor, which bought only total US and international stock funds in an aggressive profile, because work rules keep them from self-directing, and recently found they can tweak the split and funds.
Reddit · r/fidelityinvestments · 22 days ago
They hold Fidelity Go with an aggressive mix that has not been changed, and say they would not mind if Go adjusted the strategy during market corrections since that is what they signed up for.
Reddit · r/Schwab · 33 days ago
They tried Schwab Intelligent Portfolios at its most aggressive allocation and found six months of performance lackluster, so they switched to a self-managed three fund portfolio with Schwab funds.
Reddit · r/investingforbeginners · 36 days ago
A year in the robo-advisor produced a return around negative 0.5 percent, less than a high-yield savings account would have earned, and advisers called it abnormal but could not suggest what to change.
Reddit · r/fidelityinvestments · 41 days ago
They used Fidelity Go for one to two years with no problems and some gains, but returns trailed the S&P 500, so they sold out and no longer use it.
Reddit · r/fidelityinvestments · 41 days ago
They used Fidelity Go for hands-off investing and say it automatically shifted their aggressive strategy to a conservative one after they missed an email, costing them growth, so they plan to leave and self-direct.
Reddit · r/fidelityinvestments · 41 days ago
They saw their Fidelity Go account drop out of an aggressive strategy once because the target date had been reached, and fixed it by moving the target date further out so aggressive could be selected again.
Reddit · r/fidelityinvestments · 41 days ago
They tried Fidelity Go among several robo accounts and did not like it, then moved to another robo-advisor where results were significantly better, while still using Fidelity for their own picks.
Reddit · r/fidelityinvestments · 41 days ago
They experimented with Fidelity Go for a while, then removed the account but kept their other accounts at Fidelity and now manage their own investing there.
Reddit · r/fidelityinvestments · 41 days ago
They tried Fidelity Go about a year ago with spare money to compare against their own picks, found nothing impressive, and say their manual investments did better over the same period.
Reddit · r/fidelityinvestments · 41 days ago
They opened Fidelity Go for their HSA, did not love it, and struggled to move it back to a self-managed HSA, being told only part of the account could be transferred and unable to close it.
Reddit · r/Schwab · 46 days ago
They have used Schwab Intelligent Portfolios for four years with solid gains and like that it does tax harvesting painlessly, but find it conservative and note their own mutual funds did better.
Reddit · r/Schwab · 47 days ago
They have been with Schwab Intelligent Portfolios since it launched and say it beats anything they built themselves, with automatic rebalancing and tax loss harvesting.
Reddit · r/Schwab · 47 days ago
They put roughly half of their non-IRA money in Schwab Intelligent Portfolios about five years ago as a test against their regular index account, and say it does quite well and handles taxes.
Reddit · r/Schwab · 47 days ago
They used Schwab Intelligent Portfolios for years in taxable accounts and it performed wonderfully, but harvesting stopped working as gains grew, leaving a tax bomb that needed their Schwab advisor to turn it off.
Reddit · r/Schwab · 48 days ago
They have used Schwab Intelligent Portfolios for about four years and like it, running several separate buckets each set to its own risk level.
Reddit · r/Schwab · 48 days ago
They set up a moderately aggressive Schwab Intelligent Portfolios account a few years ago and still keep it. Performance seems reasonable but not stellar, though tax loss harvesting keeps realized gains minimal.
Reddit · r/Schwab · 48 days ago
They hold one of their wife's IRAs in Schwab Intelligent Portfolios and are satisfied with the performance, calling it set-and-forget and not world beating but not badly lagging the market.
Reddit · r/Schwab · 48 days ago
They hold a global Schwab Intelligent Portfolios allocation in their IRA at roughly 82 percent stock and report it is up about 60 percent over the last three years.
Reddit · r/investing · 65 days ago
Feels Acorns was ripping them off and is struggling with great difficulty to close the account.
Reddit · r/personalfinance · 66 days ago
Transferred their Acorns holdings to Fidelity and closed the account without owing taxes, although Acorns charged a fee.
Reddit · r/Schwab · 69 days ago
They switched to Schwab Intelligent Portfolios a month ago after growing tired of market swings and report a modest gain so far, along with much lower stress.
Reddit · r/fidelityinvestments · 80 days ago
They opened Fidelity Go as an experiment, saw strong gains since 2024 and plan to stay under the free threshold, but warn about tax implications on selling and a high number of trades that make tax forms busy.
Reddit · r/fidelityinvestments · 81 days ago
They keep a Fidelity Go account alongside a lot of self-managed investing and say it is a good program for set-and-forget, but what it does is not hard to replicate with lower-cost ETFs.
Reddit · r/fidelityinvestments · 81 days ago
They had Fidelity Go and cancelled because the management fee felt too high and the portfolio held too large a share of bonds; they moved to a self-managed brokerage account with a global stock fund.
Reddit · r/investing · 84 days ago
They hold two taxable accounts in Fidelity Go but are considering moving the larger one to a cheaper self-picked index fund because Go's fee seems high compared with doing it themselves.
Reddit · r/Bogleheads · 84 days ago
Left Betterment after almost ten years because accumulated tax losses slowed with account maturity and the fees outweighed the benefit.
Reddit · r/investing · 85 days ago
Trying to close the Acorns account over its monthly fee and finding it much harder than expected to transfer the portfolio, including a bitcoin ETF, to Robinhood.
Reddit · r/personalfinance · 86 days ago
They paid a monthly fee for Vanguard Digital Advisor on their 401k for a decade, mostly set-and-forget, and only recently noticed how large the fee had grown. They are now leaning toward cancelling and using a target date fund.
Reddit · r/personalfinance · 86 days ago
They use Vanguard Digital Advisor and accept the small fee because they believe it makes better investment decisions than they could, and at their age they prefer not to manage things themselves.
Reddit · r/personalfinance · 98 days ago
Has used Acorns since 2017 with round-ups on linked cards and a regular monthly deposit, but is unsure it is the best place to grow their money.
Reddit · r/Bogleheads · 99 days ago
Likes Betterment's tools, ability to link other accounts for a net-worth snapshot, and tax-loss harvesting, though they lose more in fees than they would like.
Reddit · r/personalfinance · 133 days ago
Has used Betterment since about 2015 and finds automatic tax-loss harvesting roughly covers the low fees on an entirely fire-and-forget account, though the fee grows with the balance.
Reddit · r/personalfinance · 133 days ago
Uses Betterment and is happy with its simplicity.
Reddit · r/RothIRA · 158 days ago
Opened a Fidelity Go robo Roth IRA in undergrad because they knew little about investing and liked having it invest automatically, and the account has grown since.
Reddit · r/Schwab · 165 days ago
They hold three Schwab Intelligent Portfolios (taxable with tax loss harvesting, IRA rollover and Roth), tested several robo brands against each other, and picked Schwab mainly for quick phone support.
Reddit · r/Schwab · 168 days ago
They rolled a 401K into a Schwab Intelligent Portfolio in 2020, report strong growth since, and like that it handles rebalancing; the cash sweep suits them as they take distributions, and they are happy with it.
Reddit · r/Schwab · 169 days ago
They moved from stressful day trading to a max-risk Schwab Intelligent Portfolio, are up about 10 percent in three months, accept the cash holding as savings-like, and say they quite like it.
Reddit · r/Schwab · 169 days ago
They closed their Schwab Intelligent Portfolio after a few months because their taxable account, IRA and target date fund matched or beat it with lower fees, and they prefer doing their own transfers.
Reddit · r/fidelityinvestments · 171 days ago
Uses Acorns for weekly recurring investments and likes the round-ups, but hit a linking error when trying to fund it from a Fidelity brokerage account.
Reddit · r/fidelityinvestments · 178 days ago
Judges the Acorns fees and auto-invest not worth the subscription and plans to move their Later account to a Fidelity IRA.
Reddit · r/Schwab · 187 days ago
Was a Wealthfront client; email responses are good but there is zero live support, unlike Schwab branches.
Reddit · r/Bogleheads · 192 days ago
Feels they were cajoled into Betterment's tax-loss-harvesting portfolio and now holds large unrealized gains, with little more harvesting possible and a messy portfolio to exit.
Reddit · r/investing · 194 days ago
They are dissatisfied with how much cash their Schwab Intelligent Portfolio holds, and even after moving to a more risk-accepting strategy the cash share stayed high, leaving them unsure how they feel.
Reddit · r/fidelityinvestments · 203 days ago
They use Fidelity Go across four different accounts and say it has been doing well, up roughly 7% to 13% in six months, while warning to watch the balance threshold for the no-fee tier.
Reddit · r/fidelityinvestments · 204 days ago
They tried Fidelity Go but eventually moved to a self-managed account holding Fidelity zero-fee index funds, which they find equally hands-off, more aggressive and free of advisory fees.
Reddit · r/fidelityinvestments · 204 days ago
They hold Fidelity Go in their Roth IRA and report that some of the funds inside it have posted strong returns, around 19% and 23% over the period they looked at.