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