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Personal Capital vs Fidelity Go Review

Brandon Reinkensmeyer

Published by Brandon Reinkensmeyer


Wednesday, November 1st, 2017

For our 2017 Robo-Advisor Review we assessed, rated, and ranked eight different firms. Instead of relying on website information and marketing materials as most editorials do, we opened and funded an account with each robo-advisor to acquire a true client experience. Here, we will compare Fidelity Go vs Personal Capital to see which robo-advisor is best.

To start our comparison, we will take a look at the annual fees for both services. Cost is broken down into two separate buckets: the annual management fee charged for having an account and the annual fee charged for holding each ETF in the portfolio. Fidelity Go is a better option with a 4.00 star rating over Personal Capital's 3.00 star rating.

Exploring both robo-advisor feature sets, we can also find differences. Personal Capital makes tax-loss harvesting available to clients, while Fidelity Go does not. For running calculations on being ready for retirement, clients will want a retirement calculator. Personal Capital makes an advanced retirement calculator available to clients, while Fidelity Go does not. Some customers like to monitor their personal financial goals. Fidelity Go alongside Personal Capital offer goal tracking. Finally, an attractive feature includes providing deeper account analysis thanks to the ability to import and aggregate third-party financial accounts. Fidelity Go and Personal Capital both offer external accounts analysis.

Lastly, more web savvy customers may find it valuable to have access to customer service through phone, email, and live chat. However, not every robo provides live chat support as an option. Fidelity Go makes live chat support available to clients, while Personal Capital does not.

Overall, Personal Capital boasts 4.50 stars versus Fidelity Go's 4.00 stars. And, as far as individual category awards go, neither Fidelity Go nor Personal Capital were rated 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
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
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
No
Yes
Yes
No
 
Yes
Yes
Yes
No
Yes
Yes
Fidelity Go
Fidelity Go Review
 
4
4
4
4
4
 
$5,000.00
0.35%
0.35%
0.35%
0.35%
0.35%
NA
N/A
N/A
N/A
 
No
No
No
Yes
Yes
Yes
 
Yes
No
Yes
No
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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