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Alternatives to Personal Capital

Humans and robo-advisors stand at the ready across these four platforms.

Our pick to buy stocks: SoFi Invest

SoFi Invest logo
  • $0 commissions on stocks
  • Robo advisor with no management fees
  • Beginner-friendly platform
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Personal Capital serves up a unique triad of services comprising savings accounts, financial calculators and wealth management services. But minimums for portfolio management start at a steep $100,000, and its fees aren’t the most competitive on the market. Compare your investment options with these four Personal Capital alternatives.

Personal Capital alternatives

Facet Wealth

Facet Wealth Financial Planning

This financial planning platform offers one-on-one guidance from a certified financial planner for a flat annual fee. Facet Wealth offers dedicated financial planners to help you manage your portfolio. While it doesn't offer its own accounts, it can help you with existing investments as long as you're willing to pay the entry cost: $480 per year for access to a dedicated financial adviser and $800 per year for investment management services.
Account typesBrokerage, Retirement
Annual fee$480 per year
Option trade fee$0
Asset typesStocks


SoFi Invest

4.35 / 5 ★★★★★

SoFi offers automated investment options for investors who don't mind handing their portfolios over to a robo-advisor. SoFi doesn't offer access to human financial advisers. But that's because a digital algorithm-driven robo-advisor handles its portfolio management. Best of all, it's entirely free to use.
Account typesBrokerage, Retirement, Robo-Advisor
Annual fee0%
Asset typesStocks, ETFs, Cryptocurrency



4.4 / 5 ★★★★★

Like Personal Capital, Betterment offers savings accounts in addition to its investment service. But compared to Personal Capital, Betterment’s fees sit lower at 0.25% and you don’t need $100,000 to open an account: Betterment lets you get started with any amount you want. Of course, these lower fees and account thresholds only apply to the platform’s robo-advisor service. If you want access to certified financial planners, you’ll need to bump up to Betterment Premium — and that does require a $100,000 portfolio.
Account typesRetirement, Robo-Advisor
Annual fee0.25% on balances up to $99,999
0.4% on balances of $100,000+
Asset typesStocks, Bonds

TD Ameritrade

TD Ameritrade

4.37 / 5 ★★★★★

This well-equipped brokerage offers investment opportunities for both active and passive investors through a comprehensive selection of accounts. TD Ameritrade's portfolio management services are tiered. A minimum deposit of $500 qualifies you for its Essential Portfolios robo-advisor. Portfolios of $25,000 and up gain access to the Selective Portfolios tier, complete with human financial consultants and a dedicated support team. Finally, portfolios of $250,000 and up qualify for the Personalized Portfolios tier: individualized portfolio construction, and dedicated senior financial and portfolio consultants.
Account typesBrokerage, Retirement
Option trade fee$0 + $0.65/contract,
or $25 broker-assisted
Asset typesStocks, Bonds, Options, Mutual funds, ETFs, Currencies

Pros and cons of Personal Capital

Personal Capital offers an attractive suite of services but has its drawbacks.


  • Free financial tools. Investors have access to Personal Capital’s free financial tools, including retirement planning, fee analyzers and net worth calculators.
  • Well-received. Well-received.
  • Human advisers. Personal Capital’s wealth management service is made possible by a combination of investing algorithms and the expertise of human financial advisers.


  • Account management fee. Investors with portfolios under $1 million pay 0.89% for Personal Capital’s wealth management service — more than you’d pay for automated investing with many of its competitors.
  • High portfolio minimum. To qualify for Personal Capital’s portfolio management services, you’ll need a portfolio of at least $100,000.
  • Limited support. Phone support is only available on weekdays.

How to transfer your brokerage account

Has another broker piqued your interest? The account transfer process will depend on the type of account you have and the platform you plan to move to. For information specific to the Personal Capital account transfer process, reach out to a rep during business hours and ask about applicable fees and next steps.

Here’s a look at the typical process:

  1. Contact your new broker to inform them of the transfer and provide them with your Personal Capital account number.
  2. Complete any required transfer paperwork from your new broker. For accounts under $250,000, you may be asked to notarize your signature. For accounts over $250,000, you may be asked for a medallion signature guarantee.
  3. Submit your transfer paperwork to your existing broker.

The account transfer process typically takes between seven and 10 business days.

Compare trading platforms

If you’re looking for a new investment account, here are some options.

1 - 5 of 5
Name Product Asset types Stock trade fee Minimum deposit Signup bonus
Finder Award
Stocks, ETFs, Cryptocurrency
when you sign up and deposit $100
Trade stocks in the app or online with $0 commissions. Not available in NY, NV, MN, or TN.
Client disclaimer: US Brokerage services through eToro USA Securities Inc, member of FINRA, SIPC. Crypto assets through eToro USA LLC.
SoFi Invest
Stocks, ETFs, Cryptocurrency
$10 - $100
when you open an account and place a first crypto trade of $50 - $5,000+
A free way to invest in most equities.
Stocks, Options, ETFs, Cryptocurrency
$200 in US stocks
when you open and fund an account with min. $2,000 for 3+ mos.
Trade stocks, options, ETFs and futures on mobile or desktop with this advanced platform.
JPMorgan Self-Directed Investing
Stocks, Bonds, Options, Mutual funds, ETFs
$125 - $625
when you open and fund an account with $25,000 - $250,000+
Axos Bank Self Directed Investing
when you open an account and deposit at least $1500.

Compare up to 4 providers

*Signup bonus information updated weekly.

Disclaimer: The value of any investment can go up or down depending on news, trends and market conditions. We are not investment advisers, so do your own due diligence to understand the risks before you invest.

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