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Personal Capital vs M1 Finance

Personal Capital is a free advanced tools plus hybrid advisory service for people with over $100k in investments. How does it compare to M1 Finance? Read our comparison chart below.

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

While M1 Finance offers free automated investing with no commissions or account fees. Unlike other robo-advisors, M1 lets you select your own investments and their automation will manage it for you. This is great for investors who want a say. The downside is that there are no human advisors. The minimum to start is just $100.

Compare Personal Capital with M1 Finance, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.

 Personal CapitalM1 Finance
 Visit SiteVisit Site
 

Personal Capital

M1 Finance

SPECIAL OFFER
Get Started with Personal Capital - Learn More

Read Personal Capital Review

SPECIAL OFFER
Commission Free Stock Trading - Learn More

Read M1 Finance Review

 

Benefits and Features

Stock Trading 
$0
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
Minimum Deposit
$100,000
$100
Phone Support
Yes
Monday - Friday 9:30 am to 4 pm EST
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
Offers tax-efficient investing
Goal Tracker
Yes
No
Automatic Deposits
Yes
Yes
Good For DIY investing with passive portfolio management
Online Platform
Yes
Yes
iPhone App
Yes
Yes
Android App
Yes
Yes
Banking All users can open a M1 Spend account with free debit card. No monthly service fees and no balance requirements.
Mobile App 
Yes
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
Yes
529 Plans
Yes
No
 

CreditDonkey® Reviews

 Personal CapitalM1 Finance
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:
  • Choose your own investments
  • Can invest in individual stocks
  • No account fees
Cons:
  • Not beginner friendly
  • No human advisors
  • Can only trade once a day
Bottom LineFree advanced tools plus hybrid advisory service for people with over $100k in investments... Read full reviewNo-fee robo-advisor that allows you to choose your own investments... 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

M1 Finance: Pricing information from published website as of 02/28/2020

Which is Better: Personal Capital or M1 Finance?

Still need help deciding which investing is better? Read the in-depth reviews below. You may also be interested in comparing Personal Capital or Chase.

In short: Personal Capital's customer service is outstanding.


Articles on Personal Capital


Articles on M1 Finance


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