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Personal Capital vs Betterment

Personal Capital is a free advanced tools plus hybrid advisory service for people with over $100k in investments. How does it compare to Betterment? Read our comparison chart below.

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

While 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.

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

 Personal CapitalBetterment
 Visit SiteVisit Site
 

Personal Capital

Betterment

SPECIAL OFFER
Free Money Management Tools - Learn More

Read Personal Capital Review

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

Read Betterment Review

 

Benefits and Features

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
  • 0.25% for accounts under $100,000
  • 0.40% for accounts $100,000+
Minimum Deposit
$100,000
$0
Phone Support
Yes
Yes
Live Chat Support
No
No
Email Support
Yes
Yes
Human Advisors
Yes
Yes ($100k minimum)
Robo Advisor
Check
Check
Assets Under Management
$11.6 Billion
$14 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
Mobile App 
Yes
Single Stock Diversification
Yes
No
Fractional Shares
No
Yes
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
Yes
No
 

CreditDonkey® Reviews

 Personal CapitalBetterment
Human AdvisorsStarStarStarStarStarStarStarStarEmpty StarEmpty Star
Robo AdvisorStarStarStarEmpty StarEmpty Star
PriceStarStarStarStarStar
Goal TrackerStarStarStarStarStar
Customer ServiceStarStarStarStarStarStarStarStarStarEmpty Star
BudgetingStarStarStarEmpty StarEmpty Star
Ease of UseStarStarStarStarStar
Investment TrackingStarStarStarStarStar
Retirement PlanningStarStarStarStarStar
Annual FeeStarStarStarStarHalf Star
Minimum DepositStarStarStarStarStar
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
  • Many customized portfolios
  • Automatically invest extra funds
Cons:
  • Limited investment options
  • High fees for large investors
Bottom LineFree advanced tools plus hybrid advisory service for people with over $100k in investments... Read full reviewGreat robo-advisor for beginners with low fees, good tools, and tax strategies... Read full review
 Visit SiteVisit Site

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

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

Betterment

Get up to 1 Year Managed Free

New Betterment customers only. Accounts must be funded within 45 days of signup. Terms apply.

Betterment

Get 1 Month Managed Free

Deposit $15,000 - $99,999 within 45 days and get 1 month managed free

Betterment

Get 6 Months Managed Free

Deposit $100,000 - $249,999 within 45 days and get 6 months managed free

Which is Better: Personal Capital or Betterment?

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 human advisors and customer service are outstanding.


Articles on Personal Capital

Personal Capital

Personal Capital is a free financial tool. But is it legit? Find out how they make money and if it's safe to use.

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 Quicken

Quicken is the oldest name in personal finance software, while Personal Capital is newer and offers advanced tools for free. Read on to see if it's a good alternative to Quicken.

Personal Capital vs Mint

Personal Capital and Mint are popular money management apps. Read this review to find out how they compare and which one is better for you.

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 Betterment

Betterment Review

Betterment offers low fees and good returns. But there are risks you should NOT ignore. Read this review to see if Betterment is better.

Betterment Returns

Betterment has low fees and is good for beginners. But what about their returns? Let's take a look at this robo-advisor's performance.

Betterment Fees

Betterment offers no minimum deposit and good returns. But are the fees worth it? Read on to learn about this robo-advisor's costs.

Is Betterment Safe

Betterment offers low fees, no minimum balance and good returns. But is it a good idea? Find out if it's safe to invest your money with this robo-advisor.

Betterment Roth IRA

Is Betterment a good way to invest for retirement? What about the fees and withdrawals? Read on to learn how Betterment's Roth IRA account works.

Betterment vs Wealthfront

Betterment and Wealthfront are two of the oldest and most popular robo-advisors. Is there a difference? Which is better for you? Read on to find out.

Which Do You Think is Best?





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About CreditDonkey
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