Gyrotaxis, which helps swimming marine plankton to stabilize upward orientation, is essential for their vertical migration through the water column. There are three classical mechanisms for gyrotaxis: bottom-heaviness, fore-aft asymmetry of plankton shape, and active movement by using a gravity receptor. Here, we discover a gyrotactic mechanism arising from the effect of fluid inertia for settling elongated micro-swimmers. Fluid inertia influences swimmers' rotation when they swim relative to the local fluid with a velocity that is comparable to the local fluid velocity scale. When swimming velocity is greater than the settling speed, swimmers tend to swim in the direction opposite to gravity. Our results reveal the importance of fluid inertia on settling micro-swimmers, and also indicate that settling effect is nontrivial even if a swimmer swims much faster than it settles. By direct numerical simulations, we examine the statistics of the orientation and spatial clustering of cells in both quiescent and turbulent flows. A power law between the mean swimming direction and the swimming and settling velocities is observed in turbulence. We also demonstrate how fluid inertia enhances the gyrotaxis of plankton chains. Enhanced preferential orientation in the opposite direction to gravity reinforce the upward migration to the turbulent upper layer of the ocean.