Personal Capital at a glance

Overall
4.0 NerdWallet rating
Account minimum
$100,000
Account management fee
Depends on account balance:
First $1 million: 0.89%
Up to $3 million: 0.79%
Up to $5 million: 0.69%
Up to $10 million: 0.59%
$10 million and up: 0.49%
Investment expense ratios
Average is 0.08%
Account fees
None
Portfolio mix
Customizable on client-by-client basis
Accounts supported
  • Non-retirement accounts.
  • Roth, traditional, rollover and SEP IRAs.
  • Trusts.
  • Cash account (not charged management fees).

  • Personal Capital will advise on 401(k) and 529 plan allocations, but does not directly manage those accounts
Tax strategy
Tax-loss harvesting for portfolios with ETFs and individual US stocks; 100% ETF portfolios offer limited tax harvesting possibilities
Automatic rebalancing
Automatic daily rebalancing
Human advisor option
Available 24/7; certified financial planners available
Tools
High-quality tools, including simulators, calculators, retirement-planning and educational materials
Customer support options (includes website transparency)
Phone and email support available; some information difficult to find on website.
Promotion
None