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Personal Capital vs Merrill Edge Guided Investing Review

Brandon Reinkensmeyer

Published by Brandon Reinkensmeyer


Thursday, June 1st, 2017

Comparing brokers side by side is no easy task. For our 2017 Broker Review, we factored in 308 different variables to assess 16 different brokers. So when taking a look at Merrill Edge Guided Investing vs Personal Capital, there is a huge database of information available to us.

To start this comparison, first we will take a look at the broker commission rates for placing regular stock and options trades. Merrill Edge Guided Investing and Personal Capital charge the same amount for regular stock trades, $0. For options trading, both Merrill Edge Guided Investing and Personal Capital charge the same base fee of $0. Contracts cost $0 each at both brokerages. Not all brokers charge a flat rate fee per trade though, so it is important to read the full commission notes to know the complete breakdown (go to any online broker review page, then scroll to the "Commissions Notes" section).

Next to commission rates, being able to trade the instrument you want is important. Merrill Edge Guided Investing and Personal Capital unfortunately do not provide clients with Stock Trading, Options Trading, Mutual Funds, Forex Trading and Futures Trading. Looking at mutual funds, both Merrill Edge Guided Investing and Personal Capital provide clients with access to total funds. Commission free ETFs also should not be forgotten, which is a wash in this comparison as both Merrill Edge Guided Investing and Personal Capital offer funds.

Lastly, taking a look at popular features and functionality, we can go a bit deeper to really break down the difference of both brokers. Neither broker offers virtual trading. Taking a look at mobile trading, Merrill Edge Guided Investing and Personal Capital both do not offer the iPhone App, iPad App and Android App. Not to be left out, online banking is also a nice benefit for many investors, and some brokerages provide these services to clients. Neither Merrill Edge Guided Investing nor Personal Capital offers Checking Accounts, Savings Accounts, Debit Cards, Credit Cards and Mortgage Loans. On the whole, when it comes to tools, research, and trading on the go, Neither Merrill Edge Guided Investing nor Personal Capital were rated Best in Class - Platforms & Tools, Best in Class - Research and Best in Class - Mobile Trading.

Overall, Personal Capital takes the upper hand with 4.50 stars over Merrill Edge Guided Investing's 4.00 stars.
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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
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
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
Yes
Yes
Yes
 
Yes
No
Yes
No
No
 
No
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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