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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.

 Personal CapitalAcorns
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Personal Capital

Acorns

SPECIAL OFFER
Get Started with Personal Capital - Learn More

Read Personal Capital Review

SPECIAL OFFER
$10 Sign-Up Bonus - Learn More

Read Acorns Review

 

Benefits and Features

Stock Trading Part of service fee. No add-on trading fees.
Annual Fee0.89% 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; $2/mo for Acorns + Acorns Later; $3/mo for Acorns + Acorns Later + Acorns Spend
Minimum Deposit
$100,000
$0
Phone Support
Yes
Yes
Live Chat Support
No
No
Email Support
Yes
Yes
Human Advisors
Yes
No
Robo Advisor
 
Assets Under Management
$11.6 Billion
$1 Billion
Tax Loss Harvesting
Yes
No
Goal Tracker
Yes
Yes
Automatic Deposits
Yes
Yes
Online Platform
Yes
Yes
iPhone App
Yes
Yes
Android App
Yes
Yes
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 
Yes
Single Stock Diversification
Yes
No
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

 Personal CapitalAcorns
Human Advisors
Robo Advisor
Price
Goal Tracker
Customer Service
Budgeting
Ease of Use
Investment Tracking
Retirement Planning
Annual Fee
Minimum Deposit
Pros & ConsPros:
  • 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 LineFree advanced tools plus hybrid advisory service for people with over $100k in investments... Read full reviewInvestment app that automatically invests your spare change. Good for young investors to get into the habit... Read full review
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What Others View

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 07/11/2019.

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


Articles on Acorns


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CreditDonkey is a stock broker comparison website. We publish data-driven analysis to help you save money & make savvy decisions.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

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