Partnership Disclosure
We might be compensated by one of our IRA partners for an account you open through our platform. This helps us keep the rollover service free, but it never impacts the fees you’ll pay on your new account. We only win if you do, and our job is to help you simplify your retirement accounts. We also help people who already have an IRA account even though we might receive no compensation in these situations—because it’s just the right thing to do!

Fidelity Go IRA vs Merrill Guided Investing IRA

Fidelity Go is a great option if you want an automated portfolio from one of the biggest brands in finance with solid customer support and reasonable fees.

Consider Merrill Guided Investing if you want a simple automated portfolio with potential fee discounts for existing Bank of America and Merrill Lynch customers.

Fidelity

Fidelity

Automated

Best if you want
An automated portfolio from one of the biggest brands in finance with solid customer support and reasonable fees.
Fees
0.35%
What they invest in
All digital advisors create a diversified portfolio of ETFs (Exchange-traded funds) based on your risk tolerance and preferences.
Limitations
Your portfolio will mainly have Fidelity funds in it, but Fidelity's management fee covers the cost of those funds so you'll only pay one all-in fee.
Human advisor available?
Not at this time.
Account Minimums
$0
Ease of Use
Star filledStar filledStar filledStar filled
4 stars
Customer Support
Online, call center, and branches.
Merrill Lynch

Merrill Lynch

Automated

Best if you want
A simple automated portfolio with potential fee discounts for existing Bank of America and Merrill Lynch customers.
Fees
0.45%
What they invest in
All digital advisors create a diversified portfolio of ETFs (Exchange-traded funds) based on your risk tolerance and preferences.
Limitations
A platform that's not quite as easy-to-navigate as newer institutions and comes with a higher fee.
Human advisor available?
Only if you have more than $20,000 to invest and are willing to pay a higher fee (0.85%).
Account Minimums
$1,000
Ease of Use
Star filledStar filled
2 stars
Customer Support
Mix of online and call center.
Ready to take control of your assets?
Capitalize helps you consolidate your old 401(k)s by rolling them into an IRA of your choosing. Use an existing IRA if you have one, or we’ll help you open one if you don’t.
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Compare Fidelity Go to another IRA product

Ally

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Ally

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SoFi

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Compare Merrill Guided Investing to another IRA product

TD Ameritrade

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Merrill Lynch

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Charles Schwab

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