Thanks…. Pre-tax, I’m up 7.35%, and they’re up 4.45%. For example, after I first published this article, many readers came out with favorable reviews for Betterment (automatic investment in existing index funds with lower management fees, in exchange for less personalized service), so do your research before signing up with any paid financial management service. I think you need to make sure you don’t have the relevant bank/investment/credit card accounts checked as a category for tracking; otherwise, the report will show (for example) a payment from your checking account to the credit card account as an additional “expense,” when really the expense was incurred and already tracked in the credit card account itself (i.e., is now double-counted in the report). I get a little sick of the Bogleheads who are only concerned with cost in absence of value. Thanks for this tip! But you can turn them off under settings -> email preferences. Namely my bank, which is a small, local Credit Union. And this offer only comes if you have over $25,000 of assets available to manage. Gaming Your Finances They could also target customer groups with scary accuracy and efficiency. My initial experience is that it gets things wrong and has pretty but not-to-useful graphs that obscure the real data. Mr. Money Mustache didn’t retire because he was making so much money from his blog. October 12, 2013, 5:44 pm. October 11, 2013, 9:40 pm. I wish more companies did this! Oh how I have tried. Mint can’t seem to handle investments, investment income, cost basis, or asset allocation information to save their life. October 11, 2013, 2:24 pm, I think .9% is much too high for asset management fee. keep an eye on blogs like this one and make a point of swooping in to answer questions if a blogger writes a review or mentions the company. Amber Bee I connected with him while up in Gainesville for Camp Mustache a couple of weeks ago. But I did give PC a shot after Mr 1500 wrote about it a while back. And falling into the wrong hands (of an e.g. More life-changing info from MMM–thank you! Your savings accounts and brokerage accounts are very much unlike a credit card account. 1 thing I did notice in the spending area was when I first signed up it had a lot of transactions placed in a “uncatagorized” category. She’s afraid of online banking too though, so I’m not sure Personal Capital would really help her. I also compare the returns on paper of using fundamentals-based index funds (using mutual funds that track the Russell Fundamentals indexes), and that paper account is up 7.11% pre-tax. Wealthfront and Betterment are great for a simple lower cost automated solution. Newer to the scene is their 401k Fee Analyzer. They stopped calling me a while back. For a month the account linkages are broken. I’ve used Quicken for well over a decade and it doesn’t display my income and expense report as well as it used to in previous versions. She was inspired by Mr Money Mustache and now lives in a trailer. Maybe not as polished looking as these online choices, but it gets the job done. Also, because this is certainly the best place to air my grievances with PC, a good 10% of my funds are apparently un-categorizable, why can’t I just categorize them myself? I shouldn’t need to pay them .9% management fee unless I want “active management” of my portfolio or a “custom allocation balance”, there’s no reason they couldn’t create a generic stock market Index Fund using their model with a lower fee that I could invest in. If we have a pc rep with us…. That's unfortunate that their advisors seem so inept. October 12, 2013, 2:34 pm, Trust is good inside your monkeysphere (and a little bit outside it), but we specks in a database are so far outside PC’s management’s monkeysphere that more than a little skepticism is in order…, http://www.cracked.com/article_14990_what-monkeysphere.html. On the one side of the argument, I feel that low fees are essential to investment returns – my own investments are in Vanguard funds where the expense ratio is typically about 0.1%. How dumb can you be ? But it takes a trained hand not to appear defensive, since sometimes a critical review will feel like an attack to someone who designed a product or started a company. On the plus side for personal capital I’ve been able to add my mortgage holder, that for whatever reason I was unable to add in Mint. If you don’t mind hopping over to Reddit, I posted return details here: http://www.reddit.com/r/personalfinance/comments/1oafg0/update_comparing_index_investing_to_personal/. “James, we’re thinking about buying an island next year, and Junior will need a 529 savings plan for Harvard. Regardless of how these credentials are stored they must at some point be available to the application that collects data from my various financial institutions. This is a good point Mrs. Personal Capital is also free to use, and has no ads and pushes no products. October 11, 2013, 5:31 pm. You were a bit vague in the post. FutureAdvisor (one word, ‘o’ at the end) does not belong to Mint. William Bernstein (long proponent of low cost investing) even said that he thinks only about 1% of people are actually capable of managing their own assets. Everyone around you is wasting a ridiculously huge sum of money. Michelle :), Mr. Money Mustache Evan Lynch Jim, please consider adding that. It has decent reports for net worth, expense bar charts etc. But I’ll give it a try now that it’s been updated… And as everyone has pointed out Mint is no good with investments. My question is can I use Personal capital with a Canadian account? October 11, 2013, 2:39 pm. What’s up with that? I am doing the exact same thing to track my total asset allocation, and 401 Fee analysis! If you enter “digitaal huishoudboekje” or a related term into your search engine of choice, you can probably find others. Herr Handlebar I look forward to learning more and growing my own badass Money Mustache :). Yodlee is much more flexible budgeting especially since you can re-categorize and make your own spending buckets (and create sub-buckets). Regrettably, I didn’t read the fine print and deleted the old account when RBC Bank was taken over by PNC Bank, and I lost all of my past net worth info. chris boyd October 18, 2013, 9:58 pm. Personally, I’m very comfortabe self-managing, but I used to work at a bank and I have an MBA. To hundreds of thousands of devotees, he is Mr. Money Mustache, the creator of a no-nonsense personal finance blog. We have a $40mm institutional client that gets charged .10%. Herr Handlebar Complaints and insults generally won’t make the cut here, but by all means write them on your own blog! 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