What service garners better returns fidelity go or betterment premier?

The choice between Fidelity Go and Betterment Premier for better returns depends on individual financial goals, investment management preferences, and the services each provider offers. Here's a comparison of the two platforms:

**Fidelity Go:**

1. **Investment Strategy**: Fidelity Go offers a digital financial service with a robo-advisor approach. It suggests an investment strategy based on your goals, time horizon, and risk tolerance.
2. **Cost Structure**: Fidelity Go has a tiered pricing model:
- No advisory fee for balances under $25,000.
- 0.35% advisory fee for balances of $25,000 to $100,000.
- Unlimited 30-minute coaching calls with trained advisors for balances of $25,000 or more.
3. **Investment Options**: Clients have access to a diversified portfolio and can choose from conservative to aggressive investment strategies.
4. **Cash Management**: Fidelity Go offers a cash management account with automatic sweeps into a high-yield money market fund.

**Betterment Premier:**

1. **Investment Strategy**: Betterment Premier offers a more personalized approach with exclusive benefits and access to a team of financial advisors.
2. **Cost Structure**: Betterment Premier offers a discount on implementation fees and exclusive benefits, such as a cash reserve rate boost and securities-backed lines of credit.
3. **Investment Options**: Clients can invest in a range of portfolios, including those with tax-loss harvesting and the ability to add crypto and REITs.
4. **User Experience**: Betterment is known for its user-friendly desktop experience and comprehensive dashboard, which is easy to navigate.

**Comparison and Conclusion:**

1. **Portfolio Customization**: Betterment offers more flexibility in portfolio customization, allowing clients to add crypto and REITs, which can potentially enhance returns.
2. **Tax Optimization**: Betterment's tax-loss harvesting feature can help optimize returns in taxable accounts, which may be beneficial for some investors.
3. **Financial Guidance**: Betterment Premier provides exclusive benefits and access to financial advisors, which may be valuable for those seeking personalized guidance.
4. **Return Expectations**: Both platforms offer strong robo-advisory offerings, but Betterment's ability to add crypto and REITs, combined with its tax-optimization features, may appeal to investors seeking more diversified and potentially higher-return portfolios.

**Which is Better?**

* If you prioritize cash management with automatic sweeps and a focus on international bonds and non-market-correlated assets like real estate investment trusts and commodities, Fidelity Go might be the better choice.
* If you are looking for more personalized financial guidance, the ability to add crypto and REITs to your portfolio, and tax-loss harvesting, Betterment Premier might be the better option.

Ultimately, the decision between Fidelity Go and Betterment Premier depends on your individual financial situation, investment goals, and the services you value most. It's recommended to consult with a financial advisor to determine which platform aligns best with your needs and preferences.