Personal Capital waa shabakad iyo app ( Android , Apple ) oo bixiya agabka maaraynta dhaqaalaha iyo adeegyada maaraynta hantida. In kasta oo aanaan waligeen bixin talooyinka maalgashiga ee Shakhsi ahaaneed^{(Personal Capital)} , waxaanu isticmaalnay qalabkooda bilaashka ah dhowr sano. 

Uma baahnid inaad noqoto bisad buuran^{(be a fat cat)} si aad uga faa'iidaysato agabka bilaashka ah ee Personal Capital. Dhab ahaantii, in aad gacanta ku dhigto dhaqaalahaaga gaarka ah waa tallaabada ugu horreysa ee safarka madax-bannaanida maaliyadeed. 

Waxaad hore u ogeyd inaan nahay taageereyaal waaweyn oo ah Waxaad u baahan tahay Miisaaniyad^{(we’re big fans of You Need a Budget)} sababtoo ah waa qalab aad u fiican oo lagu xisaabiyo lacagta aad hore u haysatid. Si kastaba ha ahaatee, marka ay timaado qorsheynta mustaqbalka fog, waxaan isticmaalnaa Capital Personal.

Aalado aad ka hesho Raasamaal shakhsiyeed

Kadib markaad abuurto akoon shaqsiyeed^{(Personal Capital)} oo bilaash ah oo aad ku darto dhammaan xisaabaadkaaga maaliyadeed, waxaad arki doontaa dashboard muujinaya dulmar degdeg ah oo ku saabsan dhaqaalahaaga. 

Intaa waxaa dheer, waxaad marin u heli doontaa Bangiyada^(Banking) , Maalgelinta^(Investment) , Qorshaynta^(Planning) , iyo Maareynta Maalka^{(Wealth Management)} ee mareegaha.

Dashboard-ka Capital Personal

Qayb kasta oo ka mid ah dashboard-ka Capital Personal^{(Personal Capital)} waxay ka kooban tahay dulmar degdeg ah iyo xiriiriye si aad u hesho faahfaahin dheeraad ah.

Net Worth

Capital Personal waxay la socotaa qiimahaaga saafiga ah dhammaan xisaabaadkaaga, hantidaada, iyo deymahaaga. Dooro isku xirka Net Worth ee dashboardka si aad u aragto garaaf faahfaahsan. Waxaad cayimi kartaa wakhti oo waxaad ku dari kartaa ama ka saari kartaa xisaabaadka gaarka ah.

Jaantuska hoostiisa, waxaad arki doontaa liiska wax kala iibsiga ee lagu daray xisaabinta qiimaha saafiga ah. Hoos^(Drill) u dhig adiga oo dooranaya qayb sida Lacag caddaan ah^(Cash) , Maalgashi^(Investment) , Amaah^(Credit) , Amaah^(Loan) , ama Amaahda.

Miisaaniyadda

Qalabka miisaaniyada shakhsi ahaaneed ee shakhsi ahaaneed wuu jilicsan yahay marka la barbardhigo YNAB . Waad arki kartaa halka ay lacagtaadu u socoto, laakiin ma abuuri kartid hadafyo. Waxaan kugula talineynaa in la iska indhatiro aaggan oo ku dheggan YNAB si loo sameeyo miisaaniyad^{(YNAB for budgeting)} .

Socodka Lacagta

Qalabka socodka lacagta kaashka^{(Cash Flow)} ah ee dashboard-ka ayaa ku tusinaysa inta galay oo ka soo baxday akoonnadaada 30 maalmood ee la soo dhaafay.

Doorashada isku xirka socodka lacagta caddaanka^{(Cash Flow)} ah waxay ku geyn doontaa garaaf faahfaahsan. Waxa ay meesha ka saaraysaa in lagu daro xogta dhammaan akoonnadaada marka laga reebo^(except) :

• Akoonka amaahda ama amaahda
• Macaamilada waxaa loo kala saaray wareejin
• Lacag bixinta kaararka deynta
• 401k wax ku biirinta 
• Kaydinta
• Securities ganacsi

Waxa kale oo aad dooran kartaa Dakhliga^(Income) ama Kharashka^(Expense) si aad u aragto garaafyada loo habeeyey qaybta iyo wakhtiga. 

Mar labaad, YNAB waxay soo bandhigtaa warbixino la mid ah, gaar ahaan haddii aad haysato Qalabka loo yaqaan 'YNAB browser extension'^{(Toolkit for YNAB browser extension)} . Haddii aad rabto inaad isticmaasho Raasamaal Shakhsiyeed si aad ula socoto macluumaadkan, waxaad u baahan doontaa inaad kala saartid macaamilkaaga si ay ugu soo baxaan qaybaha saxda ah.

Isu-dheelitirnaanta Portfolio

Qalabka Dashboard-ka Balance-ka ee Portfolio^{(Portfolio Balance)} wuxuu ku tusayaa hadhaaga xisaabaadkaaga maalgashiga ee 90-kii maalmood ee la soo dhaafay. Wax badan oo arrintan ku saabsan hoos.

Dhaqdhaqaaqa Suuqa

Qalabka dashboard-ka waxa uu soo bandhigayaa sawir maalinle ah oo ku saabsan maalgashigaaga (oo loo yaqaan "You Index") iyo S& P 500 , saamiyada US, saamiyada shisheeye, iyo suuqyada curaarta Maraykanka.

Kaydinta hawlgabka

Qalabka kaydinta ^(Savings)hawlgabka^(Retirement) ayaa kuu sheegaya inta aad u baahan tahay inaad kaydsato bil kasta inta ka hadhay sanadka kalandarka si aad u gaadho yoolalkaaga kaydinta hawlgabka.

Wax badan oo ku saabsan kaydinta hawlgabka hoos.

Sanduuqa Gurmadka

Marka loo eego Capital Personal^{(Personal Capital)} , sanduuqaaga xaalad degdeg ah waa wadarta lacagta aad ku leedahay xisaabaadka bangigaaga, taas oo aan faa'iido lahayn sida inaad haysato qayb miisaaniyadeed oo loogu talagalay sanduuqaaga degdegga ah. Mar labaad^(Again) , waxaan kugula talineynaa inaad isticmaasho YNAB si aad ula socoto sanduuqaaga xaaladaha degdegga ah.

Bixinta deynta

Debt Paydown^{(Debt Paydown)} widget-ka ayaa muujinaya horumarka laga sameeyay bixinta deyntaada inta lagu jiro sanadkan.

Dooro isku xirka Debt^{(Debt Paydown)} -bixinta si aad u aragto liiska wax kala iibsiga ee ku jira garaafka.

Qalabka Bangiyada

Liiska Bangigu^{(Banking )} waxa uu leeyahay xidhiidho la xidhiidha Socodka Lacagta ^{(Cash Flow)},^(Account) Miisaaniyadda ,^(Budgeting) Biilasha ,^(Bills) iyo Furitaanka^(Open) Koonto . Waxaan kor ku sharaxnay socodka lacagta caddaanka ah^{(Cash Flow)} iyo miisaaniyada^(Budgeting) . Bogga biilasha^(Bills) waxa uu soo bandhigayaa biilasha soo socda ee ka imanaya akoonnadaada ku xidhan. 

Furo akoonku waxa uu^{(Open an Account)} furayaa bog aad iska diiwaan gelin karto Lacagta Raasamaal ee Shakhsi ahaaneed^{(Personal Capital Cash)} , oo ah barnaamij la doonayo in lagu siiyo dulsaar sare marka loo eego alaabada bangiyada dhaqameed.

Aaladaha Maalgelinta

Aaladaha maalgashiga ee Raasamaalku waa halka ay ka iftiimaan. 

Hantida

Si la mid ah qaybta Movers Market^{(Market Movers)} , Holdings waxay soo bandhigaysaa maalgelintaada marka loo eego tusmooyinka kale sida S& P 500 . 

Hoosta jaantuska Holding , waxaad ka heli doontaa liiska hantidaada oo ay ku calaamadsan tahay calaamadda tikaarka iyo macluumaadka tirada saamiyada aad leedahay, qiimaha saamiga, isbeddelka hal maalin ah, iyo wadarta qiimaha. 

Isku dheelitirnaanta

Sida aad filan lahayd, Hadhaaga^(Balances) ayaa soo bandhigaya hadhaaga mid kasta oo ka mid ah akoonnada maalgashigaaga muddada aad dooratay.

Waxqabadka

Waxqabadku^{(Performance)} wuxuu ku tusayaa sida mid kasta oo ka mid ah koontooyinkaagu u shaqeeyo fasal kasta oo hanti ah.

Shaxda hoose waxaa ku yaal liiska xisaabaadkaaga iyo macluumaadka akoon kasta socodka lacagta caddaanka ah, dakhliga, kharashka, isbeddelka wakhtiga, iyo baaqiga.

Qoondaynta

Qoondaynta^{(Allocation )} waxay muujinaysaa sida maalgelintaada loo qaybiyay qaybaha hantida.

Waxaad ka heli kartaa fasal kasta oo hanti ah si aad u hesho macluumaad dheeraad ah oo ku saabsan noocyada maalgashiga aad ku leedahay fasalkaas. 

Tani waxay si gaar ah faa'iido u leedahay haddii lagu maalgeliyo miisaaniyada index oo aad rabto inaad aragto sida sanduuqa loo maalgeliyo.

Waaxyaha Maraykanka

Qaybtani waxay soo bandhigaysaa garaafka garaafka tilmaamaya qaybaha Maraykanka ee aad maalgelisay, sida tignoolajiyada, warshadaha, iyo daryeelka caafimaadka. 

Haddii aad leedahay 401K ama koonto kale oo maalgashi oo aan lahayn ticker saamile ah, waxaad gacanta ku qeexi kartaa qaybaha akoonkaas lagu maalgeliyay.

Qalabka Qorsheynta

Aaladaha qorshaynta raasumaalka shakhsi ahaaneed ayaa ka mid ah astaamihiisa ugu wanagsan-gaar ahaan qorsheeyeha hawlgabka.

Qorsheeyaha hawlgabka

Marka hore, waxaad u sheegaysaa Qorsheeyaha Hawlgabka^{(Retirement Planner)} markaad rabto inaad hawlgab noqoto. Dabadeed ku dar wixii dhacdooyin dakhli ah oo aad filayso (sida hawlgabka, Lambarka Bulshada^{(Social Security)} , ama iibinta hanti) iyo yoolalkaaga kharash garaynta wakhtiga hawlgabka. Waxay isticmaali doontaa jilitaanka Monte Carlo si loo saadaaliyo fursadahaaga guusha.

Waxaad abuuri kartaa xaalado badan oo leh malo kala duwan. Maxaa dhacaya haddii aad rabto inaad hore uga fariisato shaqada? Saamayn intee le'eg ayay ku yeelan doontaa shaqo-dhis-wakhti dhawr sano ah oo ay ku yeelanayso hawlgabkaaga? Qalabkani wuxuu kaa caawin doonaa inaad qiyaasto noocyo kala duwan oo mustaqbalka ah.

Qorsheeyaha Kaydinta

Qorsheeyaha Kaydinta^{(Savings Planner)} ayaa kuu sheegaya haddii aad waddo waddo aad ku gaadhayso yoolalka kaydkaaga. Waxay u kala qaybisaa kaydadkaaga qaybo la cashuuri karo, cashuur dib loo dhigay, iyo qaybo cashuur la'aan ah.

Waxa kale oo aad arki doontaa liiska dhammaan xisaabaadkaaga maalgashiga iyo koontada kasta nooca, cadadka la kaydiyey sannadkii hore, cadadka la kaydiyey sanadkan, iyo baaqiga xisaabta.

Falanqeeyaha Kharashka Hawlgabka

Falanqeeyaha Khidmadaha Hawlgabku^{(Retirement Fee Analyzer)} waxa uu soo bandhigaa macluumaadka ku saabsan khidmadaha la xidhiidha maalgelintaada ilaa xad ay Raasamaal Shakhsiyeed^{(Personal Capital)} heli karto macluumaadkaas. Ugu yaraan, waa hab sahlan oo lagu arki karo saamiga kharashka mid kasta oo ka mid ah maaliyaddaada.

Hubinta Maal^{(Investment Checkup)} -gashiga & Maareynta Xoolaha^{(Wealth Management)}

Ugu dambeyntii, Qaybaha Hubinta Maalgelinta^{(Investment Checkup)} iyo Maareynta Maalku^{(Wealth Management)} waxay asal ahaan kaliya u xayeysiinayaan adeegyada la-taliyaha maaliyadeed ee Capital Personal . ^{(Personal Capital)}Waxaad ballan la samayn kartaa wac "complimentary" la-taliye, laakiin ka fiirso-marka ay kuu aqoonsadaan inaad tahay macaamiil wax bixin kara, Capital Personal^{(Personal Capital)} ayaa ku raaci doonta si hagar la'aan ah. Isticmaalayaasha intooda badan, waxaa u roon inaad ku dhegganaato qalabka bilaashka ah oo aad adigu maamusho lacagtaada.

Personal Capital Review – A Great Alternative to YNAB and Mint

Personal Capital is a website and app (Android, Apple) that offers financial management tools and wealth management services. While we’ve never paid for investment advice from Personal Capital, we’ve been using their free tools for several years. 

You don’t have to be a fat cat to benefit from Personal Capital’s free tools. In fact, getting a handle on your personal finances is the first step in the journey to financial independence. 

You already know we’re big fans of You Need a Budget because it’s a great tool for budgeting the money you already have. However, when it comes to planning for the long-term future, we use Personal Capital.

Tools You Get With Personal Capital

After you’ve created a free Personal Capital account and added all your financial accounts, you’ll see a dashboard displaying a quick overview of your finances. 

Additionally, you’ll have access to the Banking, Investment, Planning, and Wealth Management areas of the website.

The Personal Capital Dashboard

Each section of the Personal Capital dashboard contains a quick overview and a link to get more detail.

Net Worth

Personal Capital tracks your net worth across all your accounts, assets, and liabilities. Select the Net Worth link on the dashboard to view a more detailed graph. You can specify a time period and include or exclude particular accounts.

Below the chart, you’ll see a list of transactions included in the net worth calculation. Drill down by selecting a category like Cash, Investment, Credit, Loan, or Mortgage.

Budgeting

Personal Capital’s budgeting tool pales in comparison to YNAB. You can see where your money is going, but you cannot create goals. We recommend ignoring this area and sticking with YNAB for budgeting.

Cash Flow

The dashboard’s Cash Flow widget shows you how much has gone in and come out of your accounts over the past 30 days.

Selecting the Cash Flow link will take you to a more detailed graph. It defaults to including data from all your accounts except:

• Loan or Mortgage accounts
• Transactions categorized as transfers
• Credit card payments
• 401k contributions 
• Savings
• Securities trades

You can also select Income or Expense to view graphs organized by category and time period. 

Once again, YNAB offers similar reports, especially if you have the Toolkit for YNAB browser extension. If you do want to use Personal Capital to track this information, you’ll need to classify your transactions so they show up in the right categories.

Portfolio Balance

The Portfolio Balance dashboard widget shows you the balance in your investment accounts over the last 90 days. More on this below.

Market Movers

This dashboard widget displays a daily snapshot of your investments (called the “You Index”) vs. the S&P 500, US stock, foreign stock, and US bond markets.

Retirement Savings

The Retirement Savings widget tells you how much you’ll need to save each month for the rest of the calendar year to meet your retirement saving goals.

More on retirement savings below.

Emergency Fund

According to Personal Capital, your emergency fund is the total amount you have in your listed bank accounts, which is not as useful as having a budget category dedicated to your emergency fund. Again, we recommend using YNAB for tracking your emergency fund.

Debt Paydown

The Debt Paydown widget shows progress on paying your loans during the current year.

Select the Debt Paydown link to view a list of transactions included in the graph.

Banking Tools

The Banking menu has links to Cash Flow, Budgeting, Bills, and Open an Account. We’ve described Cash Flow and Budgeting above. The Bills page displays any upcoming bills from your linked accounts. 

Open an Account opens a page where you can sign up for Personal Capital Cash, a program that purports to give you higher interest rates than traditional banking products.

Investing Tools

Personal Capital’s investing tools are where it shines. 

Holdings

Similar to the Market Movers section, Holdings displays your investments compared to other indices like the S&P 500. 

Below the Holding chart, you’ll find a list of your holdings labeled by ticker symbol and info on the number of shares you own, the share price, one-day change, and total value. 

Balances

As you would expect, Balances displays the balances of each of your investment accounts over the time period you select.

Performance

Performance shows you how each of your accounts is performing in each asset class.

Below the chart is a list of your accounts and information on each account’s cash flow, income, expense, change over time, and balance.

Allocation

Allocation displays how your investments are allocated across asset classes.

You can drill down into each asset class for more info on what kinds of investments you have in that class. 

This is particularly useful if you’re invested in index funds and want to see how the fund is invested.

US Sectors

This section displays a bar graph identifying the US sectors you’re invested in, like technology, industrials, and healthcare. 

If you have a 401K or another investment account that doesn’t have a stock ticker, you can manually specify which sectors that account is invested in.

Planning Tools

Personal Capital’s planning tools are among its best features—particularly the retirement planner.

Retirement Planner

First, you tell the Retirement Planner when you want to retire. Then add any income events you anticipate (like a pension, Social Security, or sale of a property) and your spending goals during retirement. It will use a Monte Carlo simulation to predict your chances of success.

You can create multiple scenarios with different assumptions. What if you want to retire early? What effect will having a part-time job for a few years have on your retirement? This tool will help you imagine a variety of futures.

Savings Planner

The Savings Planner tells you if you’re on track to meet your savings goals. It breaks down your savings into taxable, tax-deferred, and tax-free categories.

You’ll also see a list of all your investment accounts and each account’s type, amount saved last year, amount saved this year, and the account’s balance.

Retirement Fee Analyzer

The Retirement Fee Analyzer displays information about the fees associated with your investments to the extent that Personal Capital has access to that information. At the very least, it’s an easy way to view the expense ratio for each of your funds.

Investment Checkup & Wealth Management

Lastly, the Investment Checkup and Wealth Management sections are essentially just advertising for Personal Capital’s financial advisor services. You can schedule a “complimentary” call with an advisor, but watch out—once they’ve identified you as a potential paying customer, Personal Capital will pursue you relentlessly. For most users, it’s wiser to stick to the free tools and manage your money yourself.

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