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M1 Finance vs Personal Capital

M1 Finance is a no-fee robo-advisor that allows you to choose your own investments.. How does it compare to Personal Capital? Read our comparison chart below.

M1 Finance offers free automated investing with no commissions or account fees. Unlike other robo-advisors, M1 lets you select your own investments and their automation will manage it for you. This is great for investors who want a say. The downside is that there are no human advisors. The minimum to start is just $100.

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

Compare M1 Finance with Personal Capital, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.

 M1 FinancePersonal Capital
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M1 Finance

Personal Capital

SPECIAL OFFER
Commission Free Stock Trading - Learn More

Read M1 Finance Review

SPECIAL OFFER
Get Started with Personal Capital - Learn More

Read Personal Capital Review

 

Benefits and Features

Stock Trading
$0
 
Annual Fee
None
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
$100
$100,000
Phone SupportMonday - Friday 9:30 am to 4 pm EST
Yes
Live Chat Support
No
No
Email Support
Yes
Yes
Human Advisors
No
Yes
Robo Advisor
Assets Under Management
$1 Billion
$11.6 Billion
Tax Loss Harvesting
Offers tax-efficient investing
Yes
Goal Tracker
No
Yes
Automatic Deposits
Yes
Yes
Good ForDIY investing with passive portfolio management 
Online Platform
Yes
Yes
iPhone App
Yes
Yes
Android App
Yes
Yes
BankingAll users can open a M1 Spend account with free debit card. No monthly service fees and no balance requirements. 
Mobile App
Yes
 
Single Stock Diversification 
Yes
Fractional Shares
Yes
No
Taxable Accounts
Yes
Yes
401k Plans
No
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

 M1 FinancePersonal Capital
Annual Fee
Minimum Deposit
Customer Service
Human Advisors
Robo Advisor
Price
Goal Tracker
Budgeting
Ease of Use
Investment Tracking
Retirement Planning
Pros & ConsPros:
  • Choose your own investments
  • Can invest in individual stocks
  • No account fees
Cons:
  • Not beginner friendly
  • No human advisors
  • Can only trade once a day
Pros:
  • Retirement planner
  • Free portfolio advice
  • Robo plus human advisors
Cons:
  • $100,000 min for advisory service
  • Higher fees than competitors
Bottom LineNo-fee robo-advisor that allows you to choose your own investments... Read full reviewFree advanced tools plus hybrid advisory service for people with over $100k in investments... Read full review
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Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details.

M1 Finance: Pricing information from published website as of 02/28/2020

Personal Capital: Pricing information from published website as of 04/30/2020

Which is Better: M1 Finance or Personal Capital?

Still need help deciding which investing is better? Read the in-depth reviews below. You may also be interested in comparing M1 Finance or Chase.

In short: Personal Capital's customer service is outstanding.


Articles on M1 Finance


Articles on Personal Capital


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