Personal Capital vs Acorns
Personal Capital is a free advanced tools plus hybrid advisory service for people with over $100k in investments. How does it compare to Acorns? Read our comparison chart below.
Personal Capital offers free advanced financial tools and paid wealth management services.
While Acorns is geared towards young investors who have trouble saving. This investment app automatically rounds up and invests your spare change whenever you make a purchase. The service fee starts at $1/month for accounts under $5,000. There is no minimum to open.
Compare Personal Capital with Acorns, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.
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Personal Capital | Acorns | |
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Get Started with Personal Capital - | $10 Sign-Up Bonus - | |
Benefits and Features | ||
Stock Trading | Part of service fee. No add-on trading fees. | |
Annual Fee | 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 | $1/mo for Acorns Lite (taxable account only) $3/mo for Acorns Personal (includes IRA and checking account) $5/mo for Acorns Family (includes investment accounts for kids) |
Minimum Deposit | ||
Phone Support | ||
Live Chat Support | ||
Email Support | ||
Human Advisors | ||
Robo Advisor | ![]() | |
Assets Under Management | ||
Tax Loss Harvesting | ||
Goal Tracker | ||
Automatic Deposits | ||
Online Platform | ||
iPhone App | ||
Android App | ||
Banking | $3/mo for Acorns + Acorns Later + Acorns Spend checking. Free debit card, no minimum balance, no overdraft fees, and unlimited free or fee-reimbursed ATMs nationwide. | |
Mobile App | ||
Single Stock Diversification | ||
Fractional Shares | ||
Taxable Accounts | ||
401k Plans | ||
IRA Accounts | ||
Roth IRA Accounts | ||
SEP IRA Accounts | ||
Trust Accounts | ||
529 Plans | ||
CreditDonkey® Reviews | ||
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Human Advisors | ![]() ![]() ![]() ![]() ![]() | |
Robo Advisor | ![]() ![]() ![]() ![]() ![]() | |
Price | ![]() ![]() ![]() ![]() ![]() | |
Goal Tracker | ![]() ![]() ![]() ![]() ![]() | |
Customer Service | ![]() ![]() ![]() ![]() ![]() | ![]() ![]() ![]() ![]() ![]() |
Budgeting | ![]() ![]() ![]() ![]() ![]() | |
Ease of Use | ![]() ![]() ![]() ![]() ![]() | |
Investment Tracking | ![]() ![]() ![]() ![]() ![]() | |
Retirement Planning | ![]() ![]() ![]() ![]() ![]() | |
Annual Fee | ![]() ![]() ![]() ![]() ![]() | |
Minimum Deposit | ![]() ![]() ![]() ![]() ![]() | |
Pros & Cons | Pros:
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Bottom Line | Free advanced tools plus hybrid advisory service for people with over $100k in investments... | Investment app that automatically invests your spare change. Good for young investors to get into the habit... |
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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. Personal Capital: Pricing information from published website as of 04/30/2020 Acorns: Pricing information from published website as of 09/28/2020. |
Which is Better: Personal Capital or Acorns?
Still need help deciding which investing is better? Read the in-depth reviews below. You may also be interested in comparing Personal Capital or Ally Invest.
In short: Personal Capital's customer service is outstanding.
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Comments
Olivia Tabor
I have both Acorns and Robinhood and even though they each serve a different purpose I don't have the freedom of stock purchase that I really like. I believe Acorns diversifies for my needs more effectively.
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