Investing / Robo-Advisor · Tool Face-Off

Robinhood Gold vs Fidelity Go

Quick answer

Fidelity Go wins for hands-off investors who want a true robo-advisor with zero fees on smaller balances. Robinhood Gold is better for active traders who want perks like margin and a fat interest rate on cash.

Robinhood Gold

Supercharged trading for the self-directed crowd

3.5★

Our pick

Fidelity Go

Set-it-and-forget-it investing from a Wall Street giant

4★

Monthly / Management Fee

$5/month flat

0% under $25k; 0.35%/yr above

Minimum to Start

$0 (Gold requires $5/mo)

$10

Type of Service

Self-directed + perks

True robo-advisor (managed portfolio)

Cash Sweep / APY

~5% APY on uninvested cash

~2.7% on sweep (varies)

Margin Trading

Yes, ~8% rate for Gold members

Portfolio Automation

None — you pick everything

Full auto-rebalancing included

Investment Options

Stocks, ETFs, options, crypto, ADRs

Fidelity Flex mutual funds only

Tax-Loss Harvesting

Account Types

Taxable brokerage, IRA

Taxable, Roth IRA, Traditional IRA, rollover IRA

Human Financial Advisor Access

Yes (free coaching calls at $25k+)

Stock Research & Data

Morningstar reports included

Extensive Fidelity research suite

Mobile App Rating

4.2 / 5 (App Store)

4.8 / 5 (App Store)

Robinhood Gold

Pricing★★★★☆

Ease of Use★★★★½

Customer Support★★½☆☆

Cash & Yield Perks★★★★★

Investing Features★★★½☆

Automation & Robo-Advisory★½☆☆☆

Fidelity Go

Pricing★★★★½

Ease of Use★★★★½

Customer Support★★★★½

Cash & Yield Perks★★½☆☆

Investing Features★★★½☆

Automation & Robo-Advisory★★★★½

Worth knowing

Robinhood Gold's ~5% APY on cash is one of the highest sweep rates among retail brokers, beating most big banks by miles.
Fidelity Go uses zero-expense-ratio Fidelity Flex funds, meaning no hidden fund-level fees on top of the advisory fee.
Robinhood Gold offers no automated portfolio management — you're entirely on your own for asset allocation.
Fidelity has been around since 1946; Robinhood launched in 2013 and famously sparked the meme-stock era.
At $25k+ in Fidelity Go, the 0.35% fee kicks in but so does access to live advisor coaching calls — a rare perk at that price.

Robinhood was literally named after the outlaw who robbed the rich — yet its Gold tier charges a monthly fee to give you features every other broker offers for free. Hood indeed.

If you want

You want a hands-off portfolio that manages itself

Fidelity Go auto-rebalances, uses fee-free funds, and costs nothing under $25k — perfect for the 'invest and ignore' crowd.

→ Pick Fidelity Go

If you want

You're an active trader who wants high cash yield and margin

Robinhood Gold's ~5% APY and margin access genuinely reward traders who keep cash on the sidelines and move fast.

→ Pick Robinhood Gold

If you want

You're a beginner with under $1,000 to invest

Fidelity Go charges nothing under $25k and won't tempt you with options or crypto before you're ready.

→ Pick Fidelity Go

If you want

You want crypto + stocks + options in one app

Fidelity Go only holds mutual funds; Robinhood Gold gives you the whole speculative toy box.

→ Pick Robinhood Gold

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Robinhood Gold vs Fidelity Go

Robinhood Gold

Fidelity Go

Worth knowing

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