Robo Fidelity Go Portfolios, Simple And Solid Performers
Learn how to build Fidelity Go Portfolios portfolios with ETFs. How do they compare against other portfolios?
What are the Fidelity Go portfolios?
The Fidelity Go portfolios can be built with 6-8 ETFs. They are exposed to between 20% and 85% equities. They have low-risk, medium-risk and high-risk portfolios.
For the past 10 years, the Robo Advisor Fidelity GO Taxable Growth portfolio has returned 10.57 with a standard deviation of 11.82.
The dividend yield is 1.82%. The 30-year return is 8.53%.
Year to date the Robo Advisor Fidelity GO Taxable Growth portfolio has returned -11.41%.
Article Contents
- Robo Fidelity Go Portfolios, Simple And Solid Performers
- Description of Robo Fidelity Go investment portfolios
- What is the historical return of Robo Fidelity Go investment portfolios
- What is the asset allocation for Robo Fidelity Go investment portfolios?
- Resources for the Robo Fidelity Go investment portfolios
- Suggestions for your next steps
- Related Questions
Robo Fidelity Go Portfolios, Simple And Solid Performers
Fidelity is a well know mutual fund provider. Fidelity is a privately owned company being the 4th largest in assets under management.
Fidelity came late to the robo-advisor world with their service Fidelity Go (2016). Both Betterment and Wealthfront has a long headstart on Fidelity.
Fidelity has an excellent reputation to draw upon that they can use in marketing their new service.
Let’s take a look at their robo portfolios. Are they better than their competitors?
Description of Robo Fidelity Go investment portfolios
They have divided their US stock allocation into:
- Large-cap
- Mid-cap
- Small-cap
This is unusual because what we usually see is that a US Total Stock market allocation is used instead of breaking the allocation up. We also commonly see that when the Total Stock Market allocation is broken up, it is because the portfolio overweights small caps. Fidelity Go portfolios do not tilt towards mid-caps nor small caps in a meaningful way.
The slice and dice maneuver by Fidelity pays off slightly because they gain a 0.21% CAGR advantage over using a total stock market allocation. This is using their most aggressive portfolio.
However, all is not consistent in Fidelity Go land. Their slice and dice ninjitsu is only used for US stocks. Their international exposure is lumped into one asset class under Total International stock, which includes developed markets and emerging markets. We usually see the international exposure broken up into at least international developed and emerging markets asset class.
The bond portion of their portfolios is standard. They use muni for the taxable accounts and total bond market asset class for tax-sheltered accounts.
I am somewhat pleased not to see the trying-to-look-smart allocation to emerging market bonds that we so often see in robo advisor portfolios.
If you are interested in seeing how other robots structure their portfolio, take a look at the ones below.
In the asset allocation, you can see both taxable and tax-deferred portfolios for the Fidelity Go portfolios.
What is the historical return of Robo Fidelity Go investment portfolios
Note that the performance is benchmarked using our own time-series for asset classes. The performance may differ from Fidelity’s performance.
Data was last updated on July 31, 2022 at 08:29 a.m. ET
| Name | Asset class count | Year to date | Return in 2020 | 10 year return | CAGR since 1989 (%) | Risk level | Expense ratio |
|---|---|---|---|---|---|---|---|
| Robo Advisor Fidelity GO Taxable Conservative | 7 | -6.76 | 6.42 | 4.84 | 5.66 | 1 | 0.06% |
| Robo Advisor Fidelity GO Taxable Moderate With Income | 7 | -7.94 | 7.71 | 6.12 | 6.4 | 1 | 0.06% |
| Robo Advisor Fidelity GO Taxable Moderate | 7 | -8.87 | 8.86 | 7.28 | 7.0 | 1 | 0.06% |
| Robo Advisor Fidelity GO Taxable Balanced | 7 | -9.8 | 10.02 | 8.42 | 7.58 | 2 | 0.06% |
| Robo Advisor Fidelity GO Taxable Growth With Income | 7 | -10.73 | 11.17 | 9.56 | 8.13 | 2 | 0.06% |
| Robo Advisor Fidelity GO Taxable Growth | 7 | -11.41 | 12.19 | 10.57 | 8.53 | 2 | 0.05% |
| Robo Advisor Fidelity GO Taxable Aggressive Growth | 6 | -12.64 | 13.87 | 12.21 | 9.22 | 3 | 0.05% |
| Robo Advisor Fidelity GO Tax-advantaged Conservative | 7 | -7.92 | 7.68 | 4.58 | 5.97 | 1 | 0.05% |
| Robo Advisor Fidelity GO Tax-advantaged Moderate With Income | 7 | -9.1 | 8.97 | 5.86 | 6.72 | 1 | 0.05% |
| Robo Advisor Fidelity GO Tax-advantaged Moderate | 7 | -9.92 | 9.99 | 7.04 | 7.3 | 1 | 0.05% |
| Robo Advisor Fidelity GO Tax-advantaged Balanced | 7 | -10.73 | 11.02 | 8.21 | 7.85 | 1 | 0.05% |
| Robo Advisor Fidelity GO Tax-advantaged Growth With Income | 7 | -11.55 | 12.05 | 9.37 | 8.37 | 2 | 0.05% |
| Robo Advisor Fidelity GO Tax-advantaged Growth | 7 | -11.99 | 12.82 | 10.44 | 8.71 | 2 | 0.05% |
| Robo Advisor Fidelity GO Tax-advantaged Aggressive Growth | 6 | -12.98 | 14.24 | 12.13 | 9.32 | 3 | 0.05% |
What is the asset allocation for Robo Fidelity Go investment portfolios?
Here is the asset allocation for Fidelity Go’s portfolios.
Note: Fidelity uses ETFs from Fidelity and other providers to build their Go investment portfolios. You can see which ETFs we use what we use in the post What Is The Best ETF? This means that when you use the Fidelity Go service you will most likely not use the same funds as we use.
| Name | Large Cap Blend | Mid Cap Blend | Small Cap Blend | Total World Stocks | Total Bond Market | Money Market | Short Term Munis | Intermediate Term Munis |
|---|---|---|---|---|---|---|---|---|
| Robo Advisor Fidelity GO Taxable Conservative | 11.48% | 1.12% | 1.40% | 6.00% | 0.50% | 29.50% | 50.00% | |
| Robo Advisor Fidelity GO Taxable Moderate With Income | 17.22% | 1.68% | 2.10% | 9.00% | 0.50% | 19.50% | 50.00% | |
| Robo Advisor Fidelity GO Taxable Moderate | 22.96% | 2.24% | 2.80% | 12.00% | 0.50% | 14.50% | 45.00% | |
| Robo Advisor Fidelity GO Taxable Balanced | 28.70% | 2.80% | 3.50% | 15.00% | 0.50% | 9.50% | 40.00% | |
| Robo Advisor Fidelity GO Taxable Growth With Income | 34.44% | 3.36% | 4.20% | 18.00% | 0.50% | 4.50% | 35.00% | |
| Robo Advisor Fidelity GO Taxable Growth | 40.18% | 3.92% | 4.90% | 21.00% | 0.50% | 4.50% | 25.00% | |
| Robo Advisor Fidelity GO Taxable Aggressive Growth | 49.20% | 4.80% | 6.00% | 25.00% | 0.50% | 14.50% | ||
| Robo Advisor Fidelity GO Tax-advantaged Conservative | 11.48% | 1.12% | 1.40% | 6.00% | 50.00% | 0.50% | 29.50% | |
| Robo Advisor Fidelity GO Tax-advantaged Moderate With Income | 17.22% | 1.68% | 2.10% | 9.00% | 50.00% | 0.50% | 19.50% | |
| Robo Advisor Fidelity GO Tax-advantaged Moderate | 22.96% | 2.24% | 2.80% | 12.00% | 45.00% | 0.50% | 14.50% | |
| Robo Advisor Fidelity GO Tax-advantaged Balanced | 28.70% | 2.80% | 3.50% | 15.00% | 40.00% | 0.50% | 9.50% | |
| Robo Advisor Fidelity GO Tax-advantaged Growth With Income | 34.44% | 3.36% | 4.20% | 18.00% | 35.00% | 0.50% | 4.50% | |
| Robo Advisor Fidelity GO Tax-advantaged Growth | 40.18% | 3.92% | 4.90% | 21.00% | 25.00% | 0.50% | 4.50% | |
| Robo Advisor Fidelity GO Tax-advantaged Aggressive Growth | 49.20% | 4.80% | 6.00% | 25.00% | 14.50% | 0.50% |
Resources for the Robo Fidelity Go investment portfolios
Check out the Fidelity Go website
Fidelity has a few podcasts.
Get deeper under the skin of Fidelity with our Target Date coverage of Fidelity’s target-date funds. You can find that here.
Suggestions for your next steps
Finding the correct portfolio is hard. Maintaining your portfolio is also daunting. If you are still in doubt about which portfolio to choose, we suggest you read our article How To Invest Money: 5 Simple Steps That Work For Anyone
If you have already committed to a portfolio – good for you! If you need help maintaining the portfolio you will find our rebalance worksheet useful.
Rebalancing your portfolio lowers your risk and may provide higher returns in the long run. It is completely FREE.
You can find the rebalance worksheet in our article Here Is The Most Easy To Use Portfolio Rebalance Tool.
Rebalancing lowers your portfolio risk and can increase your returns.
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Related Questions
Is Betterment better than Fidelity?
They are both very good robo-services. Their performance is close so you need to think about the add-on services they each provide.
Which is better Fidelity or Vanguard?
Vanguard has lower costs than Fidelity. In index investing costs matter the most.
Is Fidelity a safe company to invest with?
Fidelity is absoluty safe to invest with. Fidelity has one of the best reputations in the investment industry.
