Is anyone familiar with Personal Capital (now owned by Empower)? It's been accumulating transactions that never get processed and there doesn't seem to be any customer service. Does YNAB aggregate investment accounts and/or do any sort of planning (especially retirement)? Thanks.

I was a user of Personal Capital user for many years before I moved over to Right Capital. YNAB does aggregate investment accounts but it is very much not its intended use case and does not do any retirement planning. Right Capital does what Personal Capital does, and a lot more, as it’s an industry standard for retirement modeling using monte carlo (which is what personal capital does also, but with a lot fewer features) I can give you an account with frum.finance with right capital and set the account to self directed if you don’t want me to look at it ever.

Account aggregation would be a must have for me. Is there a cost for RightCapital?

It’s paid for by frum.finance, no cost to you.

Right Capital tracks and categories transactions, correct?

Yes, but that feature has much to be desired. I would personally recommend using YNAB for transactions and budgeting and right capital for monte carlo (retirement projects), but you definitely could use the right capital transaction feature if you’d like to.

It sounds like Right Capital is worth a try and if I need more features for transactions and budgeting I'll consider adding YNAB. Does Right Capital or YNAB capture activity within an investment account - like interest and dividend payments?

I believe they both do, but I have never used YNAB for investment accounts, i only use it for spending accounts. My investment accounts are all in right capital

Can I set up the account if I want it self-directed or do you need to do that?

i will mark the account that way after you sign up

🙂 understood