A Personalized Approach To Your Portfolio
Personal Strategy® is a globally diversified multi-asset class portfolio built with individual stocks and ETFs, designed and managed specifically for you.
By combining our robust technology with the expertise of our financial advisors, we can deliver a truly personalized solution. This means you will get a strategy that’s directly linked to your financial goals, with enhanced diversification that can ultimately lead to a better financial outcome for you. And once your Personal Strategy is in place, our advisors can help you with financial planning, retirement, education saving, and more.
How does it work?
All our model portfolios utilize our proprietary Smart Weighting™ methodology and are designed to maximize return for a given level of risk.
Your portfolio personalization starts with our strategy selection algorithm, driven by factors that are unique to you.
Dynamic Portfolio Allocation
We implement and maintain a dynamic portfolio allocation for you that changes over time as your financial situation evolves.
Monitoring and Maintenance
We monitor your portfolio, and make adjustments as needed. This includes disciplined rebalancing, and tax optimization strategies such as tax loss harvesting.
The Result: A sophisticated, transparent and custom portfolio—Personal Strategy.
Benefits of Your
Our sophisticated tax-optimization process focuses on three key areas: asset location, tax-loss harvesting, and tax efficiency.
We review portfolios daily for rebalancing opportunities. This provides the potential for enhanced returns by creating a systematic way of buying low and selling high.
Smart Weighting provides more even exposure to factors such as size, style, and sector, ultimately providing better diversification for your portfolio.
Your own dedicated service advisor will be there along the way to help with financial planning needs and behavioral coaching.
Benefits & Fees
What do you have to gain by choosing Personal Capital as your wealth management partner? Here is a cost-benefit analysis of our personalized approach to wealth management.
Enhance your annual return by up to:
Tax Optimization 1.00%
Disciplined Rebalancing 0.20%
Smart Weighting 0.39%
Behavioral Coaching 1.50%
Financial planning is a core part of our offering and included in our services at no additional cost. Some advisors charge hourly rates for these types of services that usually range from $150 to $400 per hour. That means you could expect to pay anywhere from $2,000 to $5,000 for a single planning item like generating a retirement plan.*
*Jesse Neugarten, “What Fees Do Financial Advisors Charge?” Investopedia (January 10, 2020)
Our Fee Structure
We charge one all-inclusive annual management fee at a fraction of the cost of traditional financial institutions. There are no hidden fees, no trailing fees and no trade commissions.
For Primary & Premium Clients
First $1M 0.89%
For Private Clients
First $3M 0.79%
Next $2M 0.69%
Next $5M 0.59%
Over $10M 0.49%
Includes family tiered billing