Capital One Investing Review

Capital One Investing vs Scottrade

Scottrade vs Capital One Investing in 2015: Account Pricing, Commissions, Fees


Capital One Investing

  • Stocks and ETFs: $7
  • Stocks and ETFs broker assisted: $32
  • Stocks and ETFs interactive voice response (IVR) telephone system: $32
  • Options: $7 + $1.25 per contract
  • Mutual funds: $17
  • CDs, OTC Secondary Corporates, OTC Secondary Municipals, U.S. Treasury Bills, Notes, Bonds and STRIPS, New Corporate Offerings: subject to a markup or markdown
  • Listed Corporate Bonds: $35 + $3 per bond (minimum investment $1,000)
  • Unit Investment Trusts (UIT): $50 liquidation fee
  • Foreign Stocks Transferring In or Out: $60
  • Investment products: stocks, options, mutual funds, CDs, munis, U.S. Treasury, Canadian and foreign stocks, ETFs
  • Scottrade minimum deposit to open account: $2,500 ($0 for IRA accounts)
  • All Scottrade fees
  • Scottrade login, Scottrade promotions

  • Stocks and ETFs: $6.95
  • Stocks and ETFs phone trades: $19.95
  • Options: $6.95 + $0.75 per contract
  • Mutual funds: $19.95
  • Automatic Investments (stocks, mutual funds and ETFs): $3.95
  • Investment products: stocks, options, mutual funds, ETFs
  • Capital One Investing minimum deposit to open account: $0 for cash account, $2,000 for margin account
  • All Capital One Investing fees
  • Capital One Investing login, Capital One Investing promotions

Scottrade vs Capital One Investing/Sharebuilder: Pros


Capital One Investing

  • No inactivity, account maintenance or hidden fees
  • No-fee IRAs
  • 500+ local branches for in-person assistance
  • Great support for beginner investors with a massive number of educational resources
  • Good banking services: savings, CDs, money market and free checking accounts (free ATM withdrawals, VISA check card, and free first order of checks)
  • Free real-time streaming quotes
  • Flexible and free dividend reinvestment programs (DRIPs)
  • Large number of mutual funds available - over 14,500
  • Instant funds deposits

  • Low cost automatic investing plan
  • Free DRIPs (dividend and capital gains reinvestment)
  • No fee IRA accounts
  • No account maintenance or inactivity fees
  • Easy and cost effective way to create a portfolio with Portfolio Builder tool
  • $0 to open cash account, $2,000 for margin account
  • Good banking services (savings, checking accounts; debit and credit cards) provided by parent company Capital One (Capital One 360 promotions)

Scottrade vs Capital One Investing/Sharebuilder: Cons


Capital One Investing

  • Outdated, cluttered website design
  • Additional 0.5% of the principal value commission for stocks under $1
  • No electronic withdrawals, but clients can use a debit card, checks, or ACH transfer from their bank
  • $25,000 account balance, or 9+ stock/option trades during the previous three months is required to use advanced trading platform (ScottradeELITE)
  • High $2,500 minimum to open regular brokerage account (but $0 for IRA)

  • No extended hours trading
  • Shorting is not allowed
  • Basic trading tools and no trading platform
  • $49.95 fee on any no-load, no-transaction fee mutual fund held less than 90 days
  • Automatic Investing plan trades are made only on Tuesdays
  • $0.007 per share surcharge on real-time trades on penny stocks (subject to a maximum of 15% of the principal amount of the trade, but no less than the base commission)

Scottrade vs Capital One Investing: Comparison Summary

Capital One Investing (formely ShareBuilder; Capital One Investing Review) is one of the few brokerage firms offering cheap automatic investing plans. This is ideal for anyone who doesn't believe in timing the market or doesn't have time to follow it, and is looking to dollar-cost-average investments by arranging to have a set amount invested weekly (on Tuesdays). If customer wants to buy stocks or ETFs real-time, Capital One Investing charges $6.95 per trade. The firm's trading tools are basic and disappointing.

Scottrade (Scottrade Review) offers the same commissions on stocks and ETFs: $7 per trade. The firm charges additional 0.5% of the principal value on stocks below $1 - penny stocks (Capital One Investing has a $0.007 per share surcharge on the same stocks). Unlike Capital One Investing, Scottrade offers over 500 local branches where customers could step by and talk with a representative face-to-face.

Both firms don't charge account maintenance and inactivity fees as well as surcharges on large-size orders. There are no IRA fees at either company. Scottrade doesn't even impose IRA termination fee, which almost all other online brokers charge, and in 2015 it is rated one of the Best Companies for IRA. The firm is also one of the Top Brokerages for Beginner Investors, offering lots of learning materials, many local branches for in-person visit, and easy-to-learn and use trading tools.

Because of more free services, more advanced trading tools, and higher rated level of customer satisfaction, we strongly recommend Scottrade over Capital One Investing to all clients.

Scottrade Promotion - up to $2000

Capital One Investing Promotion - none
right now:

Capital One Investing Review

Updated on 8/5/2015.

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Review discount online brokerage firms comparison: Scottrade or Capital One Investing/ShareBuilder? Differences between investment companies. Recommendation for stocks, options, ETFs, mutual funds, bonds investors. Capital One Investing versus Scottrade for beginner investors, long term, individual retirement accounts, active/day traders. See what stock broker service is better, cheaper, offers lower fees, cost, rated higher and easier to use. Which broker should you choose?

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