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Betterment vs Personal Capital Review

Brandon Reinkensmeyer

Published by Brandon Reinkensmeyer


Thursday, August 31st, 2017

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 Betterment 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. Betterment is a better option with a 4.50 star rating over Personal Capital's 3.00 star rating.

Looking at both robo-advisors, we can also explore their features. Betterment alongside Personal Capital offer tax-loss harvesting. For running predictions on retirement, clients will want to use a retirement calculator. Betterment and Personal Capital both offer an advanced retirement calculator. Tracking personal financial goals can also be important. Betterment and Personal Capital both offer goal tracking. Finally, the ability to import and aggregate third-party financial accounts for holistic analysis can be particularly useful. Betterment alongside Personal Capital offer external accounts analysis.

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. Betterment makes live chat support available to clients, while Personal Capital does not.

Overall, both Betterment and Personal Capital hold a 4.50 star rating. And, as far as individual category awards go, Betterment posted awards Best in Class - Cost, Best in Class - Investment Approach, Best in Class - Platforms & Tools and Best in Class - Customer Service in 2017, while Personal Capital found itself with none of these.
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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
Tax-Loss Harvesting
529 Plans
Phone Support
Email Support
Live Chat Support
Retirement Calculator - Basic
Retirement Calculator - Advanced
External Accounts Analysis
Market Research Reports
Goal Tracker
iPhone App
iPad App
Android App
Android Tablet App
Betterment
Special Offer Get Up to 1 Year Managed Free Learn More
Betterment Review
 
4.5
4.5
4.5
5
4.5
 
$0.00
0.25%
0.25%
0.25%
0.25%
0.25%
$9.1 Billion
0.17%
.13%
0.10%
 
Yes
No
Yes
Yes
Yes
 
Yes
Yes
Yes
No
Yes
 
Yes
Yes
Yes
Yes
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%
$3.6 Billion
varies
varies
varies
 
Yes
No
Yes
Yes
No
 
Yes
Yes
Yes
No
Yes
 
Yes
Yes
Yes
Yes

All pricing data was obtained from a published web site as of 2/20/2017 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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