Personal Capital vs Betterment

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


Review	Personal Capital Review	Betterment Review
Overall Rating	1 2 3 4 5	1 2 3 4 5
Management Fees Annually	0.49% - 0.89%	Digital: 0.25% Premium: 0.40%
Fund Fees	0.09%	0.09% → 0.17%
Account Types	Taxable, Roth IRA, SEP IRA, Traditional IRA, Rollover IRA, Trusts, Joint	Taxable, Roth IRA, SEP IRA, Traditional IRA, Rollover IRA, Trusts, Joint, Non-profit
529 Guidance	✅	✅
Chartered Financial Professionals	Dedicated Financial Advisors	✅
Automatic Tax Loss Harvesting	✅	✅
Tax Coordinated Strategy	✅	✅
Tax Minimization Method	N/A	N/A
Automatic Portfolio Rebalancing	✅	✅
Private Wealth Management	❌	❌
Socially Responsible/Values Based Investing	✅	✅
Supports Charitable Donations	❌	✅
Account Minimum	$100,000	Digital: $0 Premium: $100,000
Fractional Shares	❌	✅
Retirement Planning Tools	✅	✅
Support Real Estate Investments	❌	❌
Investment Method	Based on risk tolerance	Based on risk tolerance
Portfolio holdings	ETFs & Individual Securities	ETFs
Technology	Web-based, iOS & Android, iWatch	Web-based, iOS & Android
Gender Focus	Male & Female	Male & Female
Security	Device authorization	Two-factor authentication, 256-bit SSL
Customer Service	Phone, Email	Phone, Email, Live Chat
User Experience	Excellent	Excellent
Promotions	Free Mobile Budgeting App	Up to 1 Year Free

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