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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
Free Money Management Tools - Learn More

Read Personal Capital Review

SPECIAL OFFER
New Customers: Deposit $1,000 and Get $30 - Learn More

Read M1 Finance Review

 

Benefits and Features

Stock Trading 
$0
Options Trading 
No
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
$100
Mutual Fund Trading 
No
Commission Free ETFs All U.S. listed ETFs
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
Check
Hybrid; You choose your own investments and M1 trades & manages your portfolio for you
Assets Under Management
$11.6 Billion
$4.5 Billion
Tax Loss Harvesting
Yes
Offers tax-efficient investing
Goal Tracker
Yes
No
Automatic Deposits
Yes
Yes
Broker Assisted Trades 
Included
Good For DIY investing with passive portfolio management
Inactivity Fee $20 (for accounts with less than $20 and no activity for 90+ days)
Maintenance Fee 
$0
Online Platform
Yes
Yes
iPhone App
Yes
Yes (4.6 stars, 33.3k ratings)
Android App
Yes
Yes (4.5 stars, 15.7k ratings)
Banking All users can open a M1 Spend account with free debit card. No monthly service fees and no balance requirements.
Mobile App 
Check
Two-Factor Authentication 
Yes
Locations 
No
Online Community 
No
Seminars 
No
Virtual Trading 
No
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 AdvisorsStarStarStarStarStar
Robo AdvisorStarStarStarEmpty StarEmpty Star
PriceStarStarStarStarStar
Goal TrackerStarStarStarStarStar
Customer ServiceStarStarStarStarStarStarStarStarHalf StarEmpty Star
BudgetingStarStarStarEmpty StarEmpty Star
Ease of UseStarStarStarStarStarStarStarStarStarHalf Star
Investment TrackingStarStarStarStarStar
Retirement PlanningStarStarStarStarStar
Annual FeeStarStarStarStarStar
Minimum DepositStarStarStarStarStar
Mobile AppStarStarStarStarHalf Star
ResearchStarEmpty StarEmpty StarEmpty StarEmpty Star
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:
  • No research
  • 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

M1 Finance

New Customers: Deposit $1,000 and Get $30

Expires 12/31/2021
  • Open a new M1 account.
  • Deposit $1,000 or more in your Invest account during your first 14 days.
  • Get a $30 bonus.
M1 Finance

Transfer Your Account and Earn Up to $2,500

Initiate your transfer of another brokerage account within 60 days of signing up for M1 to receive a bonus.

TransferBonus
$100,000 – $249,999.99$250
$250,000 – $499,999.99$500
$500,000 – $999,999.99$1,000
$1,000,000+$2,500

Payments for eligible transfers will be paid 90 days after the account transfer is received. Offer is valid for direct broker transfers received through the Automated Customer Account Transfer Service (ACATS) only. Offer is not valid with ACH deposits, wire transfers or direct 401k rollovers.

M1 Finance

Commission Free Stock Trading

M1 Finance allows investors the choice of ETFs and stocks. M1 charges no management fees or commission.

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 Ally Invest.

In short: Personal Capital's customer service is 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 M1 Finance

M1 Finance

M1 Finance lets you invest in stocks and ETFs without fees. But is it safe? Find out the pros and cons, and if it's legit.

Which Do You Think is Best?





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