Personal Capital vs. GrowthAdvisor: How to Choose the Best Tool (to Make More Money)

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Ready to start investing but don’t know which to choose between Personal Capital vs. GrowthAdvisor to make you the most money? We’ve got you covered.

This is the approach that can help you grow your gains from $40K to $1.6MM.

You can also use it to negotiate higher pay and to retire early.

In this post, we’ve compared the online financial advisor Personal Capital with our Internet-hosted product GrowthAdvisor.

We’ll show you how to use each tool to earn more. 

For example, Personal Capital will help you earn more from your investments. Think of Personal Capital as an investment- and wealth-tracker. And GrowthAdvisor will help you earn more from your Employee Stock Options. Think of GrowthAdvisor as a career- and wealth-builder.

But before we tell you more details, let’s take a look at each tool.

What is Personal Capital?

Personal Capital is an online financial advisor that focuses primarily on investing. It provides two services: a free personal finance app and a paid financial advisor service—access to a team of human advisors. 

To start the advisor service, you need to invest a minimum of $100,000. At $200,000 you get two dedicated human advisors. And you’ll get charged a 0.89% fee.

personal capital dashboard on various devicesIn plain talk, if you want one clean and beautiful place to track all your investments and to get human advice, you’d choose Personal Capital.

Plus, with Personal Capital you can link all your accounts in one place and track your spending, your net worth, your portfolio, your fees, and even your retirement progress. That’s probably the best visual chart that Personal Capital offers. You can see how many years you have left until your financial freedom. 

Let’s take a look at Personal Capital’s features.

What are Personal Capital’s Features?

Personal Capital has a variety of features for your wealth management, cash management, and investment tracking. They include personal investment strategies, investment checkup, and fee analyzers, among others. 

You don’t have to sign up for the advisory service to use these features. Most of them you can use for free if you create a login on the company’s website.

Here’s how these features are grouped.

1. All accounts in one place.

Link all your existing accounts and see how they perform on one dashboard. Track your cash flow, your spending, and your net worth. 

2. Financial planning.

Once you linked your accounts, track your income, expenses, investments, and loans. Analyze your investments and evaluate the risks and the opportunities to make better investment decisions.

3. Retirement planning.

Plan how much money you need to retire on your target retirement date. All it takes is a few clicks, and you’re done.

Why sign up for Personal Capital? 

Are you a hands-off investor? Do you have at least $100,000 to invest? Then Personal Capital is a great choice for you.

But what if you don’t have $100,000? You can still use Personal Capital’s free features. You won’t progress as fast as you’d like toward your retirement, though.

To get the best from Personal Capital, you first need to make more money. How do you make more money with the job you’ve got?

That’s where GrowthAdvisor comes in.

GrowthAdvisor helps you kickstart your career in a smart way—by showing you how you can earn more with Employee Stock Options.

Let’s take a look at how we do it.

What is GrowthAdvisor?

GrowthAdvisor is your career and wealth builder. Our Internet-hosted product launched in 2019. We predict the value of your Employee Stock Options for up to 10 years from today. (We’ll show you how in a moment.)

To start using our product, you don’t need a minimum investment of any kind. We have a great FREE Addition that lets you play with our product for free, to see how it works for yourself.

growthadvisor-compare-companiesIn plain talk, if you want one clean and beautiful place to track your career and to make more money with Employee Stock Options, you’d choose GrowthAdvisor.

Plus, with GrowthAdvisor you can track the performance of any company—the one you worked at in the past, the one you’re working at now, or the one you want to work at in the future. And you can track the value of all your Employee Stock Options in one place.

But the best part about GrowthAdvisor is, you don’t need to understand the financial “lingo.” And you don’t need to understand the Employee Stock Options math. We crunch the numbers for you and tell where and how you can make the most money.

With GrowthAdvisor, you can increase your Employee Stock Options earnings from $40K to $1.6MM. And you can become financially independent and retire 10-15 years earlier.

But before we get to this good stuff, let’s take a look at our features.

 

What are GrowthAdvisor’s features?

GrowthAdvisor offers unique features that no other online financial advisor offers at the moment (we’re very proud of this fact):

1. Earn More with Employee Stock Options.

Browse 800,000+ companies to see which companies offer the best Employee Stock Options grants from the biggest options pool.

2. Wealth Guide.

See how much you’ll make in the next 10 years of your career and don’t miss the opportunity to make the smartest career moves. 

3. Career Planning.

Pre-plan your career for the next 10 years, down to the month. 

4. Negotiation Chart.

Know when and how to negotiate a better Employee Stock Options offer. 

5. Company Valuations.

Match your dream job with the highest company valuation, then make this job a reality. Compare company valuations from any company category:

  • Startup: Pre-Funding
  • Startup: After Funding
  • Medium Company
  • Big Company

6. Exit Likelihoods.

See the likelihood percentage of any company’s exit—be it IPO, acquisition, a shutdown, or stable profitability.

RELATED: 5 Alternatives to Personal Capital: The Best Retirement Planning

Why sign up for GrowthAdvisor? 

Do you own Employee Stock Options? Do you want to boost your earnings without having to do much work? Then GrowthAdvisor is a great choice for you.

GrowthAdvisor gives you access to the financial data of the best-performing companies: their future profitability, exit scenarios, and value. You can use this data to get better job offers, negotiate more Employee Stock Options, and to know when to exercise your options.

You also get access to data on salaries, revenue, equity growth trends and the number of shares any company gives out. That data comes from over 800,000 we have analyzed, and we’re adding new companies every day. 

This data is the backbone of our predictions. We aggregate financial data and predict company valuations based on the pattern of their past performance.

Let us show you how you can increase your gains from $40K to $1.6MM with our Snowball Technique.

What is the Snowball Technique?

When you were little, you probably heard a story about a kid who made a huge snowball then rolled it down a hill to make it even bigger. As it rolled down, it doubled in size about every 100 feet.

This is similar to the investment advice of putting $100,000 into a mutual fund. Your initial $100,000 will “roll down a hill” and double in size about every 7 years. The point of this advice is to get you to start investing. Over time, your investment will grow bigger, just like the snowball.

But there is a catch—not all hills are the same.

If you start rolling a snowball down the hill that’s only 1 foot wide, the snowball will double in size every 100 feet. Yet it won’t be as big.

And if you start rolling a snowball down the hill that’s 10 feet wide, the snowball will double in size every 100 feet and will be much bigger.

To compare this to investment, your investment in the mutual fund will double every 7 years. That’s 3 to 6 times total over your entire working career.

 
How the Snowball Technique can increase your gains from $40K to $1.6MM

Let’s take a look at a typical college graduate, Sam.

Sam’s Slow Growth Snowball Track

Sam has just graduated from college and got his first job.

But Sam didn’t have any savings and hasn’t yet built up an investment portfolio. So when he began saving from his salary, he had only to $5,000 to start investing.
Here is Sam’s “Slow Growth Snowball Track”:

  • Age 24. Sam invests $5,000 in a mutual fund.
  • Age 31. Sam’s $5,000 doubles to $10,000.
  • Age 38. Sam’s $10,000 doubles to $20,000.
  • Age 45. Sam’s $20,000 doubles to $40,000.

Sam was happy that his money doubled every 7 years. But Sam has started with a “Small Snowball” of only $5,000. So at 45 years old Sam ended up with only $40,000.  

Now let’s take a look at another typical college graduate, Angela.

Angela’s Fast Growth Snowball Track

Angela also has just graduated from college. And Angela also didn’t have any savings and hasn’t yet built up an investment portfolio. 

But Angela chose to use GrowthAdvisor to help her grow her wealth. So instead of simply getting a job and saving money from her salary, Angela decided to use Employee Stock Options.

Here is Angela’s “Fast Growth Snowball Track”:

  • Age 24. Angela starts a company with Employee Stock Options (ESOs). She hasn’t used GrowthAdvisor yet.
  • Age 26. Angela uses GrowthAdvisor. 
    • GrowthAdvisor shows Angela that her current company will earn her only $9K per year in ESOs. 
    • GrowthAdvisor finds many other companies that can earn Angela $60K to $100K per year in ESOs.
    • Angela interviews at a technology startup that GrowthAdvisor recommended. The startup makes her an offer that will earn her $26K per year in ESOs.
    • GrowthAdvisor creates for Angela a Negotiation Chart that she uses to get more ESOs in her grant, increasing her earnings from $26K per year to $70K per year.
    • Angela gets the job and earns $70K per year in ESOs.
  • Age 30. The company that Angela has started is acquired.
    • The acquisition payout to Angela is $400,000 for the 4 years that she worked there. She expected $70K per year but got more—$100K per year.
    • Angela invests $400K in mutual funds.
  • Age 37. Angela’s $400K doubles to $800K.
  • Age 44. Angela’s $800K doubles to $1.6MM.

Angela was very happy that she started a company right after she graduated from college. And she was even happier that she decided to use GrowthAdvisor early in her career. So at 44 Angela ended up with a whopping $1.6MM.

What’s the end of this “Snowball Technique” story?

Sam is 45 years old with $40,000. Sam is very sad. Angela is 44 years old with $1.6M. Angela is very happy.  

Now, this is the Snowball Technique kicking ass.

Use GrowthAdvisor to earn $200,000-$400,000 more from your Employee Stock Options. Then invest that extra $200,000-400,000 and let it double every 7 years to make a lot more money.

Key Takeaways

Fail to make the most money with your career, and you won’t have as much to invest. Then it won’t matter what tool you choose. You’ll repeat Sam’s Slow Growth Snowball Track.

But focus on navigating your career with GrowthAdvisor, and you can repeat Angela’s Fast Growth Snowball Track.
Ready to give us a try? Get started here.


Article Number: GA-18
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