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Personal Capital vs TD Ameritrade Essential Portfolios Review

Brandon Reinkensmeyer

Published by Brandon Reinkensmeyer


Wednesday, April 18th, 2018

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 Personal Capital vs TD Ameritrade Essential Portfolios 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. TD Ameritrade Essential Portfolios is a better option with a 4.00 star rating over Personal Capital's 3.00 star rating.

Looking at both robo-advisors, we can also explore their features. Both Personal Capital and TD Ameritrade Essential Portfolios offer tax-loss harvesting. For running predictions on retirement, clients will want to use a retirement calculator. Personal Capital alongside TD Ameritrade Essential Portfolios offer an advanced retirement calculator. Tracking personal financial goals can also be important. Personal Capital and TD Ameritrade Essential Portfolios both offer goal tracking. Finally, the ability to import and aggregate third-party financial accounts for holistic analysis can be particularly useful. Personal Capital offers external accounts analysis while TD Ameritrade Essential Portfolios does not.

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. TD Ameritrade Essential Portfolios offers live chat support while Personal Capital does not.

Overall, both Personal Capital and TD Ameritrade Essential Portfolios are rated 4.50 stars. And, as far as individual category awards go, TD Ameritrade Essential Portfolios posted awards Best in Class - Investment Approach, 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
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
TD Ameritrade Essential Portfolios
TD Ameritrade Essential Portfolios Review
 
4.5
5
4
4.5
4.5
 
$5,000.00
0.30%
0.30%
0.30%
0.30%
0.30%
$16.6 Billion
N/A
N/A
N/A
 
Yes
No
No
Yes
Yes
Yes
 
Yes
Yes
No
Yes
Yes
Yes

All pricing data was obtained from a published web site as of 02/20/18 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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