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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
Free Money Management Tools - 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
None
Cryptocurrency Trading 
No
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
(800) 343-3548; available 24/7
Live Chat Support
No
No
Email Support
Yes
Yes
Human Advisors
Yes
Optional coaching or investment management with human advisors (for added fees)
Robo Advisor
Check
Optional Fidelity Go robo-advisory service
Assets Under Management
$23 Billion
$4.9 Trillion
Tax Loss Harvesting
Yes
No
Goal Tracker
Yes
Yes
Automatic Deposits
Yes
Yes
Broker Assisted Trades $32.95 per trade for representative-assisted trades.
Good For More experienced DIY investors; Mutual fund investors
Inactivity Fee 
$0
Maintenance Fee 
$0 account service fee
Online Platform
Yes
Yes (access to Active Trader Pro is available to those who trade 36 times or more in a rolling 12 month period)
iPhone App
Yes
Yes (4.8 stars, 1.7m ratings)
Android App
Yes
Yes (4.5 stars, 97k ratings)
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
Two-Factor Authentication 
Yes
Locations 
More than 180
Online Community 
Yes, it has a investor forum
Seminars Yes, frequent webinars and courses for beginners
Virtual Trading 
No
Single Stock Diversification
Yes
 
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
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

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.

Personal Capital: Personal Capital Advisors Corporation (“PCAC”) compensates CreditDonkey Inc (“Company”) for new leads. (“Company”) is not an investment client of PCAC.

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 offers wealth management services and free financial tools. But is it legit? Find out if this robo advisory service is right for you.

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 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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About CreditDonkey
CreditDonkey is a personal finance 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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