Personal Capital is a traditional financial advisor that’s fully embraced technology. They offer some of the best in class tools for portfolio and account visualization. For investing, they focus on a sector-weighted strategy where your portfolio will be invested equally amongst each in individual stocks. This means you won’t pay an expense ratio of index funds, but you will be on the line for taxes when these stocks are sold in a taxable account.
Minafi Rating
7 /10
Usability Rating
9 /10
Cost Rating
1 /10
Trust Rating
6 /10
Company Age Score
5 /5
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Personal Capital Alternatives
All comparisons:
Just The Facts
Here’s everything you want to know about Personal Capital.
Who Manages Your Money?
Personal Capital is categorized as a Advisor.
What Features Does Personal Capital Offer?
Personal Capital allows you to invest using at least 6 different account types, over at least 3 platforms.
Accounts Offered
How to Accesses
Key Features
How Much Does Personal Capital Cost?
Personal Capital charges a progressive advisor fee based on the amount of assets under management. For $1 Million and under: 0.89%. $1m - $3m: 0.79%. $3m-5m: 0.69%. $5m-$10m: 0.59%. $10m+: 0.49%.
Current Promotions
- $20 Sign Up Bonus
Fees & Expenses View all fees
- Personal Capital charges a progressive advisor fee based on the amount of assets under management.
- For $1 Million and under: 0.89%.
- $1m - $3m: 0.79%.
- $3m-5m: 0.69%.
- $5m-$10m: 0.59%.
- $10m+: 0.49%.
How Do I Sign Up?
Open an AccountPros
- Best in class portfolio analysis tool.
- Smart Weighting Asset Allocation weights your investments based on the market cap of different sectors (technology, finance, etc).
- Lower variance by weighting assets based on their sector, portfolios may fluctuate less than with a traditional S&P 500 portfolio.
- A Personal Advisor to talk to. Or 2 if you have at least $200k invested.
- No ETF expense fees since stocks are invested in directly.
Cons
- High advisor fees add up over time,
- Due to the complexity of a portfolio holding many stocks, it may be difficult to leave Personal Capital and manage your own portfolio.
- Will underperform the market during times when one sector outperforms for years at a time (ex: technology).
Personal Capital Alternatives
Here's a look at how Personal Capital compares with it's closest competitors.
| Rating Type | Rating |
|---|---|
| Minafi Rating | 7 /10 |
| Usability Score | 9 /10 |
| Cost Rating | 1 /10 |
| Trust Rating | 6 /10 |
| Company Age Score | 5 /5 |
| JD Power Score | - |
| Overview Feature | Included |
|---|---|
| Founded | 2009 |
| Min Investment | $25,000.00 |
| Classification | |
| Accounts Offered | |
| How to Access | |
| Allows Investors from |
| Feature | Included |
|---|---|
| Automatic Investing | |
| Automatic Rebalancing | |
| Automatic Tax-Loss Harvesting | |
| Checking Account | |
| Fractional ETF Shares | |
| Free Trades | |
| Good for Beginners | |
| Good for Day Trading | |
| Good for Retirement | |
| Sign Up Bonus |
| Fee Type | Included |
|---|---|
| Management Fee | |
| Monthly Fee | - |
| Options Fee | - |
| Trade Fee | - |
| Rating Type | Rating |
|---|---|
| Minafi Rating | 10 /10 |
| Usability Score | 8 /10 |
| Cost Rating | 10 /10 |
| Trust Rating | 8 /10 |
| Company Age Score | 5 /5 |
| JD Power Score | - |
| Overview Feature | Included |
|---|---|
| Founded | 2015 |
| Min Investment | $100.00 |
| Classification | |
| Accounts Offered | |
| How to Access | |
| Allows Investors from |
| Feature | Included |
|---|---|
| Automatic Investing | |
| Automatic Rebalancing | |
| Automatic Tax-Loss Harvesting | |
| Checking Account | |
| Fractional ETF Shares | |
| Free Trades | |
| Good for Beginners | |
| Good for Day Trading | |
| Good for Retirement | |
| Sign Up Bonus |
| Fee Type | Included |
|---|---|
| Management Fee | - |
| Monthly Fee | - |
| Options Fee | - |
| Trade Fee | - |
| Rating Type | Rating |
|---|---|
| Minafi Rating | 9 /10 |
| Usability Score | 10 /10 |
| Cost Rating | 5 /10 |
| Trust Rating | 9 /10 |
| Company Age Score | 5 /5 |
| JD Power Score | - |
| Overview Feature | Included |
|---|---|
| Founded | 2008 |
| Min Investment | $0.00 |
| Classification | |
| Accounts Offered | |
| How to Access | |
| Allows Investors from |
| Feature | Included |
|---|---|
| Automatic Investing | |
| Automatic Rebalancing | |
| Automatic Tax-Loss Harvesting | |
| Checking Account | |
| Fractional ETF Shares | |
| Free Trades | |
| Good for Beginners | |
| Good for Day Trading | |
| Good for Retirement | |
| Sign Up Bonus |
| Fee Type | Included |
|---|---|
| Management Fee | |
| Monthly Fee | - |
| Options Fee | - |
| Trade Fee | - |
| Feature by | Personal Capital | M1 Finance | Betterment |
|---|---|---|---|
| Rating | Open An Account | Open An Account | Open An Account |
| Minafi Rating (out of 10) | 7 /10 | 10 /10 | 9 /10 |
| Usability Score (out of 10) | 9 /10 | 8 /10 | 10 /10 |
| Cost Rating (out of 10) | 1 /10 | 10 /10 | 5 /10 |
| Trust Rating (out of 10) | 6 /10 | 8 /10 | 9 /10 |
| Company Age Score (out of 5) | 5 /5 | 5 /5 | 5 /5 |
| JD Power Score (out of 1,000) | - | - | - |
| Overview | |||
| Year Founded | 2009 | 2015 | 2008 |
| Min Investment | $25,000.00 | $100.00 | $0.00 |
| Classification | |||
| Accounts Offered | |||
| How to Access | |||
| Allows Investors from | |||
| Features | |||
| Automatic Investing | |||
| Automatic Rebalancing | |||
| Automatic Tax-Loss Harvesting | |||
| Checking Account | |||
| Fractional ETF Shares | |||
| Free Trades | |||
| Good for Beginners | |||
| Good for Day Trading | |||
| Good for Retirement | |||
| Sign Up Bonus | |||
| Fees & Expenses | |||
| Management Fee | - | ||
| Monthly Fee | - | - | - |
| Options Fee | - | - | - |
| Trade Fee | - | - | - |
| Fee Table (100% = lowest fees) |
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| View Full Comparison | Full Comparison | Full Comparison | |
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