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Pros and Cons
Pros
Lots of Free Tools — Most people who use Personal Capital won’t even dip their toes in the paid management services. That’s because there are plenty of free tools and features to help anyone’s financial journey.
Tax Optimization — If you invest your money with Personal Capital, you’ll have an arsenal of tools to maximize your tax strategy, including tax-loss harvesting.
Human Advisors — Wealth management clients have access to a team of human financial advisors. And if you invest more than $200,000, you’ll have two dedicated professionals to contact.
24/7 Customer Service — You can always get help for your Personal Capital account.
Cons
High Minimum — In order to have managed portfolios with Personal Capital, you’ll need to deposit at least $100,000.
High Fees — Personal Capital’s management fees are high when compared to most robo-advisors. However, when compared to traditional human advisors, they’re pretty low.
Personal Capital Review:
Summary
When it comes to Commissions & Fees, Personal Capital shines in offering a wealth of free financial tools. However, if you want individualized wealth management, you’ll have to pay a fee. While this fee will be higher than what you’ll pay most robo-advisors, it’s still less than what traditional advisors charge. There are plenty of Account Options with Personal Capital to meet your investing needs. As for Investment Options & Asset Allocation, Personal Capital uses its proprietary Smart Weighting system to pick individual securities across all sectors. Millions of people love Personal Capital’s free Tools & Resources, and its Website / App / Ease of Use makes personal finance understandable. Managed portfolio clients can reach Customer Service by phone 24/7.
Personal Capital
- Sign Up Free
- See all of your banking and investing accounts in one place
- Excellent retirement tools and calculators
- Track your spending
- Easy to use website and app
Table of Contents
Do you know how much you are paying in investment fees? One of the best free tools to track your investments is Personal Capital. With Personal Capital, you can view your investments in one location and get a good idea of how your investments are allocated, track performance, and get a better idea of the types of fees you are paying. You can learn more in our Personal Capital review, or by opening a free account.
Disclosure: This article is part of the #LifeUninterrupted campaign sponsored by USAA, which is designed to help future retirees learn how they can transition into retirement without worrying about financial interruptions. You can receive a free, no-obligation retirement review today by calling USAA. Note: We are receiving a fee for posting; however, the opinions expressed in this post are my own. I do not earn a commission or percentage of sales.
