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Acorns vs Personal Capital Review

Blain Reinkensmeyer

Published by Blain Reinkensmeyer


Thursday, November 15th, 2018

We spent over 100 hours testing robo-advisors, opening and funding an account with each robo to acquire a true client experience and find the best robo advisors. In this comparison, we will compare Acorns vs Personal Capital to see which robo-advisor is better.

First, let’s take a look at the fees of these two investment advisors. Cost is broken down into both the annual management fee charged each year as well as the expense ratios charged by the ETF holdings themselves. Acorns's score is 4.50 stars versus Personal Capital's 3.00 stars.

Looking at both robo-advisors, we can also explore their features. Personal Capital has tax-loss harvesting, Acorns doesn't. For running predictions on retirement, clients will want to use a retirement calculator. Personal Capital offers an advanced retirement calculator while Acorns does not. Tracking personal financial goals can also be important. Personal Capital has goal tracking, Acorns doesn't. Finally, the ability to import and aggregate third-party financial accounts for holistic analysis can be particularly useful. Personal Capital offers external accounts analysis while Acorns does not.

Lastly, tech savvy Millennials may find it valuable to have access to customer service through phone, email, and live chat. However, not every robo-advisor offers live chat support. Acorns makes live chat support available to clients, while Personal Capital does not.

Overall, Personal Capital takes the upper hand with 4.50 stars over Acorns's 4.00 stars. And, as far as individual category awards go, unfortunately, neither Acorns nor Personal Capital received awards Best in Class - Cost, Best in Class - Investment Approach, Best in Class - Platforms & Tools and Best in Class - Customer Service.
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Overall Robo
Investment Approach
Cost
Tools
Customer Service
Minimum Deposit
Annual Fee - $5,000
Annual Fee - $25,000
Annual Fee - $50,000
Annual Fee - $100,000
Annual Fee - $1,000,000
Total AuM
Avg Funds Expense Ratio - Conservative
Avg Funds Expense Ratio - Moderate
Avg Funds Expense Ratio - Aggressive
Advantage
Tax-Loss Harvesting
529 Plans
CFP Access
Phone Support
Email Support
Live Chat Support
Advantage
Goal Tracker - Basic
Goal Tracker - Advanced
External Accounts Analysis
Market Research Reports
iPhone App
Android App
Advantage
Overall Robo
Advantage
Acorns
Acorns Review
 
4
4
4.5
3
0
 
$0.00
$1/mo
$1/mo
$1/mo
$1/mo
$1/mo
$804M
0.0%
0.0%
0.0%
check_circle
 
No
No
No
Yes
Yes
Yes
check_circle
 
No
No
No
No
Yes
Yes
check_circle
 
4
check_circle
Personal Capital
Special Offer Personal Capital - Join for Free Learn More
Personal Capital Review
 
4.5
4.5
3
5
3
 
$25,000
0.89%
0.89%
0.89%
0.89%
0.89%
$6.49 Billion
varies
varies
varies
 
Yes
No
No
Yes
Yes
No
 
Yes
Yes
Yes
No
Yes
Yes
 
4.5

All pricing data was obtained from a published web site as of 09/01/18 and is believed to be accurate, but is not guaranteed. The StockBrokers.com staff is constantly working with its online broker representatives to obtain the latest pricing data. If you believe any data listed above is inaccurate, please contact us using the link at the bottom of this page.

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