[Expired] Personal Capital: $100 For Receiving A Call & Proposal From An Advisor

Deal has ended, view more personal capital deals by clicking here.

Update 9/2/22: This offer is now publicly available at this link 10/31/22. This time they’ve added a stipulation that you need to link $250,000 in investments to be eligible. (ht MMB)

Update 4/24/22: Available again until June 30, 2022. Offer sent out via e-mail with subject line ‘ Let’s talk about your portfolio and how you can get $100’. Hat tip to reader Information Booth.

The Offer

Direct link to offer terms (log in to see if you are targeted on either the app or website)

  • Personal Capital is offering some users $100 if you agree to take a call from an Advisor and a follow up call to receive a proposal

Our Verdict

Personal Capital is kind of like Mint for investment accounts. Lots of readers likely have Personal Capital accounts due to previous $50/$100 opening bonuses. I suspect they are targeting existing users with big balances in linked accounts for their managed product. I doubt their managed product makes much sense, so if you do go through this offer make sure to compare their proposal to other alternatives.

Hat tip to reader @cbsteven

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Gadget - Bank Bonus Geek 🔗
Gadget - Bank Bonus Geek 🔗 (@guest_1562739)
February 23, 2023 18:31

Personal Capital has been rebranded to Empower Personal Cash.  William Charles  Chuck My phone automatically updated to the new app.


Alex_the_Churner (@guest_1516419)
December 22, 2022 00:35

I did not receive bonus after three months of waiting here their response (after screenshots and video recording with this offer):

Thank you for your patience.

We are sorry to hear that you had an unsatisfactory customer experience. In our promotional offer Terms and Conditions, we indicate that our offers are not transferable – only the offer recipient may redeem the offer.

Our investigation found that you became a Personal Capital dashboard user this year. We could not find any records showing that we sent you any promotional offers since you became a dashboard user. Therefore, you are not eligible to receive the $100.00 bonus.

We are sorry for the inconvenience caused.

Well, not often do it but, I am sending complaint to cyber criminal unit of FBI and filing a class action lawsuit for arbitration. Good luck for them.

Kyle (@guest_1457334)
October 3, 2022 10:29

I completed the two conversations in June. I had over $250K in investable assets, but a lot in retirement accounts – (less than $250K in brokerage). It seems as if they don’t count that as “investable assets,” as they have not given me my $100 bonus yet and their reasoning – after I made multiple attempts to contact them to ask why I did not receive it – was I did not have the $250K in investable assets. Deceptive at best. The most annoying part was this promotion was sent directly to my app – so if I didn’t qualify, they shouldn’t have sent it to me.

Kyle (@guest_1458281)
October 4, 2022 14:38

Update: I received another call – I was told their was a “mistake” in their system and retirement accounts do count – their computers just didn’t register I had enough in my acoount… It was a pain to get a hold of someone to talk on phone.. Not sure if this has happened to anyone else, but emailing the person that had the call with me did help resolve issue

Jacob (@guest_1444722)
September 13, 2022 23:15

I was able to complete the two calls in about 45 minutes. The second call feels similar to a timeshare presentation so be prepared for that.

Dan (@guest_1437790)
September 4, 2022 11:22

@DoctorofCredit You screenshot has someone’s email in it.

David (@guest_1437585)
September 3, 2022 23:43

@rocky_nnc Me

rocky_nnc (@guest_1437835)
September 4, 2022 13:14


David (@guest_1437584)
September 3, 2022 23:43

I need $50

Millennial Outrage
Millennial Outrage (@guest_1373221)
April 27, 2022 20:46

I received a similar offer earlier this year for $200. Unlike Justin I accepted just to see what kinds of funds/strategy they recommended (he’s still right about the relative ROI though).

Justin (@guest_1373258)
April 27, 2022 22:14

i might do it for $200!

Ben (@guest_1371565)
April 24, 2022 12:44

As of 2020, their proposal was a fund that equally weights sectors which costs 89 bps. Plan on two calls and at least an hour of your time total.

On top of the fund being a rip, my advisor couldn’t answer basic tax and rebalancing questions I had. At the time I had foolishly been holding a target date fund in a non-qualified account and they also didn’t point out it was inefficient. I figured out that stuff soon after thanks to the nice folks at Bogleheads.

As for tracking, I use an excel plug-in for stock prices and just update my share quantities manually. That’s been more than good enough for me.

David (@guest_1371564)
April 24, 2022 12:32

I like the idea of having tracking tools to do things like know my tax brackets – in conjunction with when I start taking Social Security, etc… to plan out how much ROTH Conversions I can do and such… Does Personal Capital offer any tools like that?

Also with the huge rise in Index funds, I find it funny they still think there is much room for suckering people into managed services heh

frogger (@guest_1371572)
April 24, 2022 13:30

I think index funds look pretty bad for the next year. If everyone is in index funds they will no longer become an effective investment.

Dan M.
Dan M. (@guest_1371577)
April 24, 2022 13:48

maybe for the short term, but long term they look attractive. Buy low, sell high.

Jon (@guest_1371579)
April 24, 2022 14:05

The free tools are useful for net worth and income/expenses but you still need to do your own assessment for tax strategies. They also have some useful tools for monitoring portfolio allocation.

I don’t see the value in their managed service’s, but just because there is a prevalence of great index fund options doesn’t mean people allocate them appropriately for their own risk tolerance and goals.