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Betterment vs Personal Capital

Betterment is a great robo-advisor for beginners with low fees, good tools, and tax strategies. How does it compare to Personal Capital? Read our comparison chart below.

Betterment offers automatic investing starting at an annual fee of 0.25% of your account balance. There is no fee to open an account and no minimum deposit required. All balances get automatic rebalancing, tax loss harvesting, and access to financial experts.

While Personal Capital offers free advanced financial tools and paid wealth management services.

Compare Betterment with Personal Capital, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.

 BettermentPersonal Capital
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Betterment

Personal Capital

SPECIAL OFFER
Get up to 1 Year Managed Free - Learn More

Read Betterment Review

SPECIAL OFFER
Get Started with Personal Capital - Learn More

Read Personal Capital Review

 

Benefits and Features

Annual Fee0.25% for accounts under $100,000; 0.40% for accounts $100,000+0.89% for first $1 million, 0.79% for first $3 million, next $2 million 0.69%, next $5 million, 0.59%, and 0.49% over $10 million
Minimum Deposit
$0
$100,000
Phone Support
Yes
Yes
Live Chat Support
No
No
Email Support
Yes
Yes
Human Advisors
Yes
Yes
Robo Advisor
Assets Under Management
$14 Billion
$6.5 Billion
Tax Loss Harvesting
Yes
Yes
Goal Tracker
Yes
Yes
Automatic Deposits
Yes
Yes
Online Platform
Yes
Yes
iPhone App
Yes
Yes
Android App
Yes
Yes
Single Stock Diversification
No
Yes
Fractional Shares
Yes
No
Taxable Accounts
Yes
Yes
401k Plans
Yes
Yes
IRA Accounts
Yes
Yes
Roth IRA Accounts
Yes
Yes
SEP IRA Accounts
Yes
Yes
Trust Accounts
Yes
Yes
529 Plans
No
Yes
 

CreditDonkey® Reviews

 BettermentPersonal Capital
Annual Fee
Minimum Deposit
Human Advisors
Customer Service
Pros & ConsPros:
  • No minimum investment
  • Many customized portfolios
  • Automatically invest extra funds
Cons:
  • Limited investment options
  • High fees for large investors
Pros:
  • Retirement planner
  • Free portfolio advice
  • Robo plus human advisors
Cons:
  • $100,000 min for advisory service
  • Higher fees than competitors
Bottom LineGreat robo-advisor for beginners with low fees, good tools, and tax strategies... Read full reviewFree advanced financial tools plus hybrid advisory service for high net-worth individuals... Read full review
 Visit SiteVisit Site

Betterment: Pricing information from published website as of 04/04/2018

Personal Capital: Pricing information from published website as of 04/04/2018

Which is Better: Betterment or Personal Capital?

Still need help deciding which investing is better? Read the in-depth reviews below. You may also be interested in comparing Betterment or Ally Invest.

In short: Betterment's annual fee and minimum deposit are noteworthy. In particular, the minimum deposit is excellent. Personal Capital's human advisors and customer service are outstanding.


Articles on Betterment


Articles on Personal Capital

    Personal Capital Reviews

    Personal Capital offers free advanced financial tools and paid wealth management services. But is it right for you? Read on for the pros and cons.

    Is Personal Capital Safe

    Personal Capital offers free budgeting tools. But is it safe to link all your financial accounts? Learn just how secure Personal Capital is.

Which Do You Think is Best?

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