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Personal Capital vs Fidelity

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

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

While Fidelity offers stock trades at $0 per trade and more than 180 branch locations. There is no minimum deposit.

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

 Personal Capital
 Visit SiteLearn More
 

Personal Capital

Fidelity

SPECIAL OFFER
Get Started with Personal Capital - Learn More

Read Personal Capital Review

SPECIAL OFFER
Commission-Free Trading - Online Stock, ETF and Option Trades - Learn More

Read Fidelity Review

 

Benefits and Features

Stock Trading 
$0 per trade
Options Trading $0 per online trade, plus $0.65 per contract
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 
Minimum Deposit
$100,000
$0
Mutual Fund Trading $0 transaction fee for Fidelity funds
$0 on purchase for NTF (no transaction fee) non-Fidelity funds. ($49.95 on redemption if held less than 60 days)
$49.95 on purchase for non-Fidelity funds; $0 on redemption. (Certain funds may have a $75 transaction fee).
Commission Free ETFs 357 including 28 Fidelity factor, sector, stock, and bond ETFs and 329 iShares® ETFs
Phone Support
Yes
 
Live Chat Support
No
 
Email Support
Yes
 
Human Advisors
Yes
 
Robo Advisor
Check
 
Assets Under Management
$11.6 Billion
 
Tax Loss Harvesting
Yes
 
Goal Tracker
Yes
 
Automatic Deposits
Yes
 
Broker Assisted Trades $32.95 per trade for representative-assisted trades.
Customer Service 
(800) 343-3548
Inactivity Fee 
$0
Maintenance Fee 
$0 account service fee
Online Platform
Yes
 
iPhone App
Yes
 
Android App
Yes
 
Banking Fidelity Cash Management Account includes reimbursed ATM fees, no monthly fee, no minimum balance requirement, FDIC insurance, mobile check deposit, free billpay and free checkwriting.
Mobile App 
Check
Desktop App Active Trader Pro (requires you trade 36 times or more in a rolling 12 month period)
Locations 
More than 180
Virtual Trading 
Check
Single Stock Diversification
Yes
 
Fractional Shares
No
 
Taxable Accounts
Yes
 
401k Plans
Yes
 
IRA Accounts
Yes
 
Roth IRA Accounts
Yes
 
SEP IRA Accounts
Yes
 
Trust Accounts
Yes
 
529 Plans
Yes
 
 

CreditDonkey® Reviews

 Personal Capital
Human AdvisorsStarStarStarStarStar
Robo AdvisorStarStarStarEmpty StarEmpty Star
PriceStarStarStarStarStar
Goal TrackerStarStarStarStarStar
Customer ServiceStarStarStarStarStar
BudgetingStarStarStarEmpty StarEmpty Star
Ease of UseStarStarStarStarStar
Investment TrackingStarStarStarStarStar
Retirement PlanningStarStarStarStarStar
Stock TradingStarStarStarStarEmpty Star
Options TradingStarStarStarStarEmpty Star
Mutual Fund TradingStarStarStarStarHalf Star
BankingStarStarStarStarStar
Mobile AppStarStarStarStarEmpty Star
Commissions and FeesStarStarStarStarEmpty Star
ResearchStarStarStarStarStar
Pros & ConsPros:
  • Retirement planner
  • Free portfolio advice
  • Robo plus human advisors
Cons:
  • $100,000 min for advisory service
  • Higher fees than competitors
Pros:
  • Research reports
  • Beginner-friendly tools
  • Mobile app
Cons:
  • Restricted platform
Bottom LineFree advanced tools plus hybrid advisory service for people with over $100k in investments... Read full reviewComprehensive online broker with in-depth research... Read full review
 Visit SiteLearn More

Commission-Free Trading - Online Stock, ETF and Option Trades

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

Fidelity: Pricing information from published website as of 12/05/2020.

Which is Better: Personal Capital or Fidelity?

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.


Articles on Personal Capital

Personal Capital Review

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.

Articles on Fidelity

Fidelity

Thinking of opening a brokerage account with Fidelity? There are many reasons to love Fidelity and a few reasons to think about going elsewhere.

Which Do You Think is Best?





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