See how well your investments are performing – and how they could do even better – with the Investment Checkup tool. Compare your current portfolio allocation to the ideal target allocation designed to minimize risk and maximize returns to meet your financial goals.
With this highly sophisticated, realistic Retirement Planner, you’ll know exactly where you stand relative to your retirement goals. Now you can build, manage, and forecast your retirement plan in one convenient location.
Personal Capital's mission is to help you understand your net worth – what you have minus what you owe – through the Personal Capital Dashboard. Get a complete picture of your net worth, any time.
You could be losing hundreds of thousands of dollars in hidden fees in your mutual fund, investing, and retirement accounts. Financial institutions charge annual fees (also known as custodial fees, inactivity fees, or 12b-1 fees) on mutual funds and other assets. Over time, these fees add up and can dramatically reduce your lifetime savings.
Yes. Tax location places assets in different account types to help minimize taxes (higher yield securities being placed in tax-sheltered accounts when possible). Tax-loss harvesting can offset realized capital gains and be written off against income up to relevant IRS limits.
You’ll earn 0.05% APY (annual percentage yield) for all accounts. Personal Capital Investment Service, Wealth Management, and Private Client clients will earn 0.10% APY for all accounts. The Personal Capital Cash Program interest rates are subject to change.
Personal Capital only purchase highly liquid securities, meaning cash can be available to you within a normal 1 to 3-day settlement period.
Pershing Advisor Solutions, a Bank of New York Mellon Company. Pershing is one of the largest US custodians, with over a trillion dollars in global client assets. Personal Capital never directly takes custody of client assets, and only you have access to your money.
Personal Capital has one simple fee based on a percentage of assets managed. Wealth management, trade costs and custody are included – you do not pay trade commissions. The fee schedule is as follows: First $1 million: 0.89%; $1 million or more: first $3 million: 0.79%; next $2 million: 0.69%; next $5 million: 0.59%; over $10 million: 0.49%.
Yes, Personal Capital's Socially Responsible Personal Strategy (SRI) is a way for you to support and invest in companies more proactively managing environmental, social, and corporate governance related issues, also known as ESG.
The higher fee with Personal Capital is due to a much higher service level. Not only do you have direct access to two financial advisors, who will help in both creating and modifying your portfolio going forward, but they’ll also provide holistic financial advice. That means they’ll help you with financial decisions that go beyond your investment portfolio. This can include estate planning and help with other financial situations, such as a home purchase or buying the right amount of insurance. Robo advisors don’t provide that level of service.
Personal Capital has a real advantage over traditional human investment advisors, who charge anywhere from 1% to 1.5% to manage your portfolio.
Personal Capital has two-factor authentication. All information via the service is read-only. You cannot perform any withdrawals or transfers from within Personal Capital's service. Your account information is not displayed anywhere. Personal Capital utilizes military-grade encryption (256-bit AES) to keep your data secure.