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 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 Fee	0.89% 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		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
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

Human Advisors
Robo Advisor
Price
Goal Tracker
Customer Service
Budgeting
Ease of Use
Investment Tracking
Retirement Planning
Annual Fee
Minimum Deposit
Mobile App
Research
Pros & Cons	Pros: 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 Line	Free advanced tools plus hybrid advisory service for people with over $100k in investments... Read full review	No-fee robo-advisor that allows you to choose your own investments... Read full review

	Free Money Management Tools Join Personal Capital For Free Fee Analyzer	New Customers: Deposit $1,000 and Get $30 Transfer Your Account and Earn Up to $2,500 Commission Free Stock Trading
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

Free Money Management Tools

Join Personal Capital For Free

Fee Analyzer

Find Hidden Fees

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

Start Investing

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.

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.

Transfer	Bonus
$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.

Start Your Transfer

Commission Free Stock Trading

Start Investing

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.

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