Personal CapitalReviews of personalcapital.com

My only issue is that I joined in June and I cannot link my bank past statements back to January 2022.

Just started. Not yet. Very disappointed I can't manually enter transactions and have them then match up with downloaded/uploaded transactions from online accounts for a more accurate up to the minute and penny accuracy.

I'm a retired Portfolio Manager from a major Wall Street firm. I think Personal Capital is a great way to safely view various accounts in the aggregate without putting all of your faith in one institution. Personal Capital provides good ways to view your accounts and their holdings, and with many good tracking applications within the site. As a "self-directed" investor I do occasionally get annoyed by the pitches to manage my investments. I do wish they had a way I could pay for the services I use and not feel like I have random advisors trying to pitch me on a fee based account. I know they have to have a revenue source, but I would happily pay for the benefit I receive.

The free tools have been great for me, so when I saw a promotional free 6 month offer I thought I'd try out the services. Everyone I talked to was nice, although unreliable as far as following up on questions I had. A few months into what I though was my promotional period, my advisor left the company and I got a new one. Coming up on five months, I asked my new advisor when my promotional period ended (multiple times) and found out that I had actually been charged the entire time. According to them, I didn't meet the $250k account balance to get the promotional offer. Terrible communication on their part. The offer says "$250k in investable assets" at the time to qualify. I thought I met this, but apparently they don't count the 401k that can't be transferred to a PC account, even though they were still managing it. Nobody mentioned this. From the conversations with my advisor, I though I was on a 6 month promotional period still. When I asked for a refund, they offered me 6 months of free services starting now. This company is an absolute joke. Besides them duping me into paying them for 5 months of service, the allocations they gave me are under performing the S&P500 (historically over several years) when I said I want an aggressive portfolio. All trust has been destroyed.

personal capital is a great resource I check it daily. I appreciate the ability to get real time info on my investments and plan what I have for retirement and how long it is projected to last. Of course the recession has tweaked it somewhat Most of my assets are in Fidelity Plan to establish a money market account after liquidating some of stocks (brokerage) first and use this money to supplement my social security and small pension while living in retirement

Support is non existent. I have two tickets that are 2 years (yes 2 years) and now 9 months old. They will give you the same canned response as I see from other users on here. If you want to use a tool to analyze your money, please look elsewhere.

The Personal Capital desktop app is very capable; but their support is nearly useless. They do not provide a phone number to call. They do not have a chat feature. They provide a feature that allows the user to describe the problem. The response is that someone will respond soon. The response is a canned email. That is not helpful. I am looking for an alternate application.

Easy to add accounts. Love the budgeting part, I don’t use that, but really appreciate that it’s available.