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 $3/month for accounts. 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.

	Personal Capital	Acorns
	SPECIAL OFFER Free Money Management Tools - Learn More Read Personal Capital Review	SPECIAL OFFER $10 Sign-Up Bonus - Learn More Read Acorns Review
	Benefits and Features
Savings		No
Stock Trading		Part of service fee. No add-on trading fees.
Options Trading		No
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	$3/mo for Acorns Personal (includes personal taxable account, IRA, and checking account) $5/mo for Acorns Family (includes everything in Personal plus investment accounts for kids)
Cryptocurrency Trading		No
Minimum Deposit	$100,000	$0
Checking		Yes
Mutual Fund Trading		No
Commission Free ETFs		A selection automatically chosen by Acorns
Phone Support	Yes	Yes
Live Chat Support	No	No
Email Support	Yes	Yes
Human Advisors	Yes	No
Robo Advisor		Yes
Assets Under Management	$23 Billion	$4.7 Billion
Tax Loss Harvesting	Yes	No
Goal Tracker	Yes	Yes
Automatic Deposits	Yes	Yes
Broker Assisted Trades		Acorns automatically invest and trade for you
Good For		Beginners; Passive investors; Those who have trouble saving/investing on their own
Inactivity Fee		None, but you will keep paying the monthly fee
Maintenance Fee		Monthly fee for the service
Online Platform	Yes	Yes
iPhone App	Yes	Yes (4.7 stars, 760k ratings)
Android App	Yes	Yes (4.3 stars, 156k ratings)
Banking		Included in Acorns Personal ($3/mo). Free metal debit card, no minimum balance, no overdraft fees, and 55,000+ fee-free ATMs nationwide.
Mobile App		Yes
Two-Factor Authentication		Yes
Locations		No
Online Community		No
Seminars		No
Virtual Trading		No
Single Stock Diversification	Yes
Fractional Shares	No	Yes
Taxable Accounts	Yes	Yes
401k Plans	Yes	No
IRA Accounts	Yes	Yes
Roth IRA Accounts	Yes	Yes
SEP IRA Accounts	Yes	Yes
Trust Accounts	Yes	No
529 Plans	Yes	No
	CreditDonkey® Reviews
Human Advisors
Robo Advisor
Price
Goal Tracker
Customer Service
Budgeting
Ease of Use
Investment Tracking
Retirement Planning
Annual Fee
Minimum Deposit
Mobile App
Pros & Cons	Pros: Retirement planner Free portfolio advice Robo plus human advisors Cons: $100,000 min for advisory service Higher fees than competitors	Pros: No minimum investment Invest with spare change Cash-back program Cons: Fees are high for small balances No tax benefits Limited investment options
Bottom Line	Free advanced tools plus hybrid advisory service for people with over $100k in investments... Read full review	Investment app that automatically invests your spare change. Good for young investors to get into the habit... Read full review
	Free Money Management Tools Join Personal Capital For Free Fee Analyzer	$10 Sign-Up Bonus $5 Sign-Up Bonus Try Acorns Today!
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. Personal Capital: Personal Capital Advisors Corporation (“PCAC”) compensates CreditDonkey Inc (“Company”) for new leads. (“Company”) is not an investment client of PCAC.

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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.

Articles on Personal Capital

Personal Capital

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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.

• Personal Capital vs Fidelity

Personal Capital vs Quicken

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Personal Capital vs Mint

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Personal Capital Retirement Planner

Are you in good shape for retirement? Personal Capital's free money management tools can help you find out.

Articles on Acorns

Acorns App

Acorns automatically invests your spare change. But can it help make you money? Find out if this app is safe and legit.

• Acorns vs Stash
• Acorns vs Robinhood

Is Acorns Legit or Safe

Acorns lets you invest spare change from every purchase. But is it safe to use? Learn just how secure the micro-investing app is.

How to Make Money Using Acorns

Acorns "rounds up" everyday purchases and invests it for you. What's the catch? Read this review to find out how to make money using the app.

Comments

• Olivia Tabor from Texas
  on April 2019 said about Acorns:

  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.

Comments may be filtered for language. CreditDonkey makes no guarantee of comments' factual accuracy. These responses are not provided or commissioned by bank advertisers. Responses have not been reviewed, approved or otherwise endorsed by bank advertisers. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered. Visitors may report inappropriate content by clicking the Contact Us link.

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