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E*TRADE Adaptive Portfolio vs Merrill Edge Guided Investing Review

Brandon Reinkensmeyer

Published by Brandon Reinkensmeyer


Wednesday, November 1st, 2017

Thanks to opening, funding, and spending over 100 hours testing accounts with eight different robo-advisors, we know our robos inside and out. For this review, we will compare E*TRADE Adaptive Portfolio vs Merrill Edge Guided Investing to see which robo-advisor is better.

When it comes to financial advice and selecting an automated advisor, the total annual cost charged is significant. Most sites just look at the annual account management charge assessed. For an accurate comparison, however, you also have to take into consideration the annual management fees (expense ratios) charged by the ETF holdings themselves. We included both. E*TRADE Adaptive Portfolio's score is 3.50 stars versus Merrill Edge Guided Investing's 3.00 stars.

Features are also important to compare when selecting a robo-advisor. Some robos do a much better job than others with technology. Neither E*TRADE Adaptive Portfolio and Merrill Edge Guided Investing offer tax-loss harvesting. To make sure you ready for retirement and will have enough money saved, running a calculator is required. E*TRADE Adaptive Portfolio nor Merrill Edge Guided Investing offers an advanced retirement calculator. Setting financial goals and tracking them is also a feature customers desire. Neither E*TRADE Adaptive Portfolio and Merrill Edge Guided Investing offer goal tracking. Finally, syncing data from your other financial accounts (brokers, banks, etc) can open the door to deeper analysis of fees, holdings, and retirement planning. Merrill Edge Guided Investing makes external accounts analysis available to clients, while E*TRADE Adaptive Portfolio does not.

Lastly, some customers want access to customer service via web friendly methods such as live chat as a compliment to the standard phone and email options. E*TRADE Adaptive Portfolio alongside Merrill Edge Guided Investing offer live chat support.

Overall, Merrill Edge Guided Investing comes out on top with 4.00 stars over E*TRADE Adaptive Portfolio's 3.00 stars. And, as far as individual category awards go, Merrill Edge Guided Investing finished with awards Best in Class - Customer Service in 2017, while E*TRADE Adaptive Portfolio came up 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
CFP Access
Phone Support
Email Support
Live Chat Support
Goal Tracker - Basic
Goal Tracker - Advanced
External Accounts Analysis
Market Research Reports
iPhone App
Android App
E*TRADE Adaptive Portfolio
Special Offer No advisory fee for the first six months Learn More
E*TRADE Adaptive Portfolio Review
 
3
2.5
3.5
2
4
 
$5,000.00
0.30%
0.30%
0.30%
0.30%
0.30%
$180 Million
0.05%
0.20%
0.45%
 
No
No
No
Yes
Yes
Yes
 
No
No
No
No
Yes
Yes
Merrill Edge Guided Investing
Merrill Edge Guided Investing Review
 
4
4.5
3
2.5
4.5
 
$5,000.00
0.45%
0.45%
0.45%
0.45%
0.45%
NA
0.09%
0.10%
0.08%
 
No
No
No
Yes
Yes
Yes
 
Yes
No
No
No
No
No

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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