Personal Capital vs Ellevest

by George Windsor Updated: January 8, 2018 Robo-Advisor


Review	Personal Capital Review	Ellevest Review
Overall Rating	1 2 3 4 5	1 2 3 4 5
Management Fees Annually	0.49% - 0.89%	Emergency Funds: 0.0% Digital: 0.25% Premium: 0.50% Private Wealth Management: 0.90%
Fund Fees	0.09%	0.06% → 0.16%
Account Types	Taxable, Roth IRA, SEP IRA, Traditional IRA, Rollover IRA, Trusts, Joint	Taxable, Traditional IRA, Roth IRA, 401(k), 403(b)
529 Guidance	✅	❌
Chartered Financial Professionals	Dedicated Financial Advisors	✅
Automatic Tax Loss Harvesting	✅	❌
Tax Coordinated Strategy	✅	✅
Tax Minimization Method	N/A	✅
Automatic Portfolio Rebalancing	✅	✅
Private Wealth Management	❌	✅
Socially Responsible/Values Based Investing	✅	✅
Supports Charitable Donations	❌	❌
Account Minimum	$100,000	Digital: $0 Premium: $50,000 Private Wealth Management: $1,000,000
Fractional Shares	❌	❌
Retirement Planning Tools	✅	✅
Support Real Estate Investments	❌	❌
Investment Method	Based on risk tolerance	Based on capacity for risk
Portfolio holdings	ETFs & Individual Securities	ETFs, Mutual Funds, Individual Debt Instruments, Individual Equities, Closed-end Funds, Partnerships, Private & Illiquid Investments
Technology	Web-based, iOS & Android, iWatch	Web-based, iOS & Android
Gender Focus	Male & Female	Primarily Female
Security	Device authorization	Two-factor authentication, 256-bit SSL
Customer Service	Phone, Email	Phone, Email
User Experience	Excellent	Very Good
Promotions	Free Mobile Budgeting App	N/A

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