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Personal Capital vs Schwab Intelligent Portfolios Review

Brandon Reinkensmeyer

Published by Brandon Reinkensmeyer


Thursday, November 30th, 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 Personal Capital vs Schwab Intelligent Portfolios 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. Schwab Intelligent Portfolios is a better option with a 5.00 star rating over Personal Capital's 3.00 star rating.

Features are also important to compare when selecting a robo-advisor. Some robos do a much better job than others with technology. Personal Capital and Schwab Intelligent Portfolios both offer tax-loss harvesting. To make sure you ready for retirement and will have enough money saved, running a calculator is required. Personal Capital has an advanced retirement calculator, Schwab Intelligent Portfolios doesn't. Setting financial goals and tracking them is also a feature customers desire. Personal Capital and Schwab Intelligent Portfolios both 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. Personal Capital has external accounts analysis, Schwab Intelligent Portfolios doesn't.

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. Schwab Intelligent Portfolios makes live chat support available to clients, while Personal Capital does not.

Overall, both Personal Capital and Schwab Intelligent Portfolios hold a 4.50 star rating. And, as far as individual category awards go, Schwab Intelligent Portfolios was rated Best in Class - Cost, Best in Class - Investment Approach and Best in Class - Platforms & Tools in 2017, while Personal Capital was rated 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
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
Schwab Intelligent Portfolios
Schwab Intelligent Portfolios Review
 
4.5
4.5
5
4.5
3.5
 
$5,000.00
0.00%
0.00%
0.00%
0.00%
0.00%
$19.4 billion
0.06%
0.15%
0.20%
 
Yes
No
Yes
Yes
Yes
Yes
 
Yes
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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