Alternatives to Personal Capital

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

Facet Financial Planning

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This financial planning platform offers one-on-one guidance from a certified financial planner for a flat annual fee. Facet 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 types	Brokerage, Retirement
Annual fee	0%
Available asset types	Stocks

Annual fee	0%

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SoFi

SoFi Invest

4.6 / 5 ★★★★★

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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 types	Brokerage, Retirement, Robo-Advisor, Joint brokerage, Margin
Annual fee	0%
Available asset types	Stocks, Options, ETFs, Cryptocurrency

Annual fee	0%

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Betterment

Betterment

4.2 / 5 ★★★★★

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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 types	Retirement, Robo-Advisor
Annual fee	0.25% on balances up to $99,999 0.4% on balances of $100,000+
Available asset types	ETFs, Cryptocurrency

Annual fee	0.25% on balances up to $99,999 — 0.4% on balances of $100,000+

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TD Ameritrade

TD Ameritrade

4.4 / 5 ★★★★★

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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 types	Brokerage, Retirement, Education, Custodial, Specialty
Annual fee	0%
Available asset types	Stocks, Bonds, Options, Mutual funds, ETFs, Currencies, CDs, Futures, Forex, Treasury Bills

Annual fee	0%

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Pros and cons of Personal Capital

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

Our pick for investing $100k: J.P. Morgan Personal Advisors

• No advisory fee for 6 months
• Expert-built portfolios matched to your goals
• Personalized financial planning

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INVESTMENT PRODUCTS ARE: NOT A DEPOSIT • NOT FDIC INSURED • NO BANK GUARANTEE • MAY LOSE VALUE. Finder receives compensation when you click or tap through to, open an account with or provide your contact information to J.P. Morgan Wealth Management.

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.

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

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Name	Product	Ratings	Available asset types	Minimum deposit	Signup bonus
SoFi Invest Finder Award Finder Rating: 4.6 / 5: ★★★★★ SoFi Invest Finder Rating: 4.6 / 5: ★★★★★ Finder Award		★★★★★	Stocks, Options, ETFs, Cryptocurrency	$0	Get up to $1,000 in stock when you fund a new account within 30 days.	Winner of Finder’s Best Low-Cost Broker award.	Go to site More Info		loading Fetching your data...
EXCLUSIVE eToro Finder Award Finder Rating: 4.2 / 5: ★★★★★ eToro Finder Rating: 4.2 / 5: ★★★★★ Finder Award	EXCLUSIVE	★★★★★	Stocks, Options, ETFs, Cryptocurrency	$0	FINDER EXCLUSIVE: Get a guaranteed $15 bonus when you sign up and deposit $100	Winner of Finder’s Best Broker for Beginners award. Not available in NY, NV, MN, TN, and HI.	Go to site More Info		loading Fetching your data...
tastytrade Finder Rating: 4.1 / 5: ★★★★★ tastytrade Finder Rating: 4.1 / 5: ★★★★★		★★★★★	Stocks, Options, ETFs, Cryptocurrency, Futures	$0	Get $100 - $2,000 when you you open and fund an account with $5,000 to $100,000+	Highly commended for Best Derivatives Trading Platform award.	Go to site More Info		loading Fetching your data...
Public.com Finder Rating: 4 / 5: ★★★★★ Public.com Finder Rating: 4 / 5: ★★★★★		★★★★★	Stocks, ETFs, Cryptocurrency, Art, Treasury Bills, Collectibles	$0	Get up to $300 in either stocks or crypto when you use code FINDERUS to sign up and fund a new account.	2.5% fee applies to all alternative asset transactions.	Go to site More Info		loading Fetching your data...
Robinhood Finder Rating: 4.2 / 5: ★★★★★ Robinhood Finder Rating: 4.2 / 5: ★★★★★		★★★★★	Stocks, Options, ETFs, Cryptocurrency	$0	Get a free stock when you successfully sign up and link your bank account.	Make unlimited commission-free trades, plus earn 4.9% interest on uninvested cash in your account with Robinhood Gold.	Go to site More Info		loading Fetching your data...
Wealthfront Finder Rating: 4 / 5: ★★★★★ Wealthfront Finder Rating: 4 / 5: ★★★★★		★★★★★	Stocks, ETFs	$500	N/A	Wealthfront builds a free financial plan for the life you want and automate your investments at a low cost.	Go to site More Info		loading Fetching your data...

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