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Old 04-10-2014, 04:41 PM   #21
Recycles dryer sheets
Join Date: Apr 2012
Location: Birmingham, AL
Posts: 195
In both OS X and IOS, PC has a really nice dashboard to view your investments and overall financial situation. I haven't used Mint, so I can't compare their product with PC.

I did listen to the complimentary pitch from PC and declined their offer to manage my accounts. I have not gotten any hard sell...just an occasional email when they have a new article or update to the site/app.

One thing PC offered me that no other similar site/app has (as far as I know) is the ability to import TSP fund data, including the "contents" of the different funds (for lack of a better term). I'm not sure if they have the actual asset info on the funds or just estimate it by using their benchmarks. Either way, this allows me to automatically get a good overall picture of my asset allocation that I would have had to manually estimate otherwise.

All in all, I find PC a useful tool to get an overall sense of my finances.
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Old 04-11-2014, 11:25 AM   #22
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Join Date: Jul 2012
Location: Texas
Posts: 2,242
I've used Mint and PC. They are very similar, but I prefer PC because it's more investment-oriented. Mint seems to be for people just starting out and trying to get a handle on spending, budgeting, debt reduction, etc.

PC definitely has some flaws. I have one bank account that won't update reliably. And it can't link to my wife's government pension site. I have some employee stock options that it counts as "alternative investments" instead of "domestic stock", which is how I view them. No capability to override allocation classifications. I also have some rental houses that I consider "investments" (part of my real estate allocation). PC treats them as personal assets... and again no capability to override. Bottom line, I use PC to decipher some of my mutual funds, but still use my own spreadsheet to track asset allocation.

On the plus side, the dashboard is easy to use and quite helpful to get a quick snapshot of exactly what I need to know. I was a slave to Quicken for many years, and never really got what I wanted. When Quicken started "forcing" you to buy updates, that was just the excuse I needed to try some of the online tools, which seem to be much better (and free).

I did have a 20-30 minute conversation with one of PC's advisers. He had some helpful advice on reducing expense and tax efficiency, but nothing I didn't already know about. No hard sell and no annoying emails or phone calls since.
Retired at 52 in July 2013. On to better things...
AA: 55% stock, 15% real estate, 27% bonds, 3% cash
WR: 2.7% SI: 2 pensions, some rental income, SS later
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