Personal Capital Money and Investing
By Personal Capital Corporation
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Personal Capital's award-winning free finance app lets you see all of your accounts in one place and gives you a comprehensive view of your income, spending, and investment performance. Knowing what's happening with your money anytime, anywhere helps you save more and invest better. It is the only wealth management and investing tool you'll ever need.
“2014 CNBC Disruptor 50 List” – CNBC
"Best 5 Free Apps to Invest Smarter" – CNN
“Time Magazine's 50 Best Websites” – Time
“Best Online Tool to Track Your Investments” – Forbes
"App Store Staff Pick" – iTunes
"Editors’ Choice" – Macworld
“Minimal account connections hassles, detailed financial information, and the options to speak directly with a financial advisor make Personal Capital the best free finance tracking app available.” – Macworld
+A 360° View of Your Financial Life. Link your investment accounts for free using Personal Capital for a complete picture of your personal finances. At a glance, you can see your checking & saving accounts, credit card spending, and investment performance. The first step to living a better financial life is having all your accounts in one place.
+Manage Your Money. Control your spending and finances with interactive cash flow tools that allow you to budget and see if you are spending more than you are making. See detailed income and spending by category or payee and drill down into a category to see the transaction details. Install the recent transactions today extension to see new transactions in the last 24 hours .
+Track Your Investments. How’s the market doing? More importantly, how are YOU doing? You can track your investments by account, asset class or individual security. Compare your portfolio against major market benchmarks using the Personal Capital “You Index” and stay on track to meet your investing goals. Install the “You Index” today extension to track daily market and individual holdings movement. Know where you stand when it comes to your wealth and investments.
+Asset Allocation Review. Built-in investment intelligence will review asset allocation and uncover opportunities for diversification to help you make smarter investing decisions.
+Portfolio Checkup. Could your portfolio be working harder? A quick portfolio checkup can potentially save thousands on expensive mutual fund fees.
+Get Help Meeting Your Financial Goals. On the road to financial success, it helps to have a guide. As a Registered Investment Advisor (RIA), Personal Capital provides objective financial advice tailored to your goals. Talk with us if you want, how you want -- FaceTime, email, or phone. We’ll assign a personal wealth management advisor to discuss your needs.
+Bank Level Security. Use with confidence. Our two-step remote authentication process builds in an extra measure of security to verify your identity and your device, so you can manage your money and finances remotely, knowing your data is safe.
+Get Started Now For Free. Linking your accounts is simple– we integrate with over 12,000 financial institutions like Fidelity, Schwab, PayPal, Wells Fargo, and thousands of local and regional credit unions. It takes just a minute to download the finance app and discover a superior way to manage your money and invest smarter.
+How We’re Different: People + Technology. Finance and tech experts built Personal Capital to provide a comprehensive and objective wealth management solution for people with complex financial lives. Our software helps you keep track of your short- and long-term money – for free. And our advisors can provide unbiased investing advice and can help you invest in a customized portfolio based on your life and goals.
What's New in Version 4.2
+TouchID is now available as an option
+Zillow Zestimate Tm. home values for your home account
+Get cost and projected impact of investment fees for any retirement account with the updated retirement analyzer, iPad only.
+SMS device authentication added to verify your access to Personal Capital when adding a new device
+Earn rewards when you share Personal Capital with your friends
#1 app for a complete financial snapshot
Personal Capital is my first choice for checking how I'm doing each day. It's faster than logging into my bank or credit cards to check balances/available credit. It shows the progress I'm making on paying off my student loans. It lets me see how much my 401k is growing (which is something I'm getting used to, being a recent college graduate).
I haven't used many of the financial advice tools because I don't have many investments and assets to manage. So, I can't speak to those features.
One thing I will mention is that GE Capital accounts (now Syncrony) are not supported. Or rather, Syncrony does not work with account aggregators like Personal Capital and Mint. This is a drawback for me since I have three credit cards that are serviced by this company. I have also used Mint, and this particular issue was a pain point for them as well. I am not letting this issue affect my review rating, however, because this is not the fault of Personal Capital, but rather it is Syncrony's doing by blocking a service the would benefit the end user. If someone reads this, I hope they direct their complaints toward Syncrony (rather than Personal Capital). Maybe this can change someday.
Keep a close eye on your money
Far better than mint, and more insightful than Quicken or other money management software. It emails me every day all the transactions across my accounts, and tells me how well my money is allocated and if any fund is charging me too much. Nice piece of software. I've looked into their money management service, and it's much better than a Prudential or John Hancock, since they don't sell any of their own funds (they don't have any), nor do they get kickbacks from the funds they invest in (all money managers get kickbacks. Up to 30% of money management companies' income comes from kickbacks--ask yourself how unbiased their opinions are now). But Personal Cap doesn't do that. They invest all your money in low cost index funds or etfs, and charge about 1%. It's better than mutual funds, but probably not as good as a Betterment or Wealthbuilder, that charge you .25 for a very similar service. Just my opinion. But the software Personal Capital uses is phenomenal.
Great for allocation analysis
I have used a number of aggregating sites, including mint, Vanguard, Tiaa-Cref, and Fidelity. Personal Capital is the most useful for its investment features. It allows users to view the investment portfolio in one place and examine the overall allocation. I have several retirement accounts which including many different types of mutual funds, stocks and bonds. Without Personal Capital, I have to manually update my allocation using Excel worksheet.
Another plus is to be able to track cash flow and expenses. The interface is slightly more straightforward than that of Mint.
Any potential concern? Someone may give you a call to offer financial services. If the fee is not too high and you have a need for it, then it may not be a bad thing.
- Category: Finance
- Updated: Dec 30, 2014
- Version: 4.2
- Size: 27.7 MB
- Language: English
- Seller: Personal Capital Corporation
- © 2010-2015 Personal Capital Corporation
Compatibility: Requires iOS 7.0 or later. Compatible with iPhone, iPad, and iPod touch. This app is optimized for iPhone 5, iPhone 6, and iPhone 6 Plus.