Updated September 29, 2026 · BrokerCue Editorial Team
Betterment vs Fintual
Where Betterment and Fintual differ
| Compare |  Betterment |  Fintual |
|---|---|---|
| Management fee | 0.25%Lower | 1.19% |
| Minimum investment | $10 | CLP 0 |
| Regulators | U.S. Securities and Exchange Commission (SEC) registered investment adviser, Financial Industry Regulatory Authority (FINRA) Betterment Securities broker dealer member, SIPC | Comision para el Mercado Financiero (CMF), Comision Nacional Bancaria y de Valores (CNBV) |
| Account types | IRA, Roth IRA | Corporate |
| Portfolio types | ETF, ESG, Cash, CryptoCovers more | ETF |
| Investor protection | SIPC up to USD 500,000 | Not confirmed |
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Key differences
- Betterment scores higher overall: 9.6 vs 8.8.
- Regulators: only Betterment offers U.S. Securities and Exchange Commission (SEC) registered investment adviser, Financial Industry Regulatory Authority (FINRA) Betterment Securities broker dealer member, SIPC.
- Regulators: only Fintual offers Comision para el Mercado Financiero (CMF), Comision Nacional Bancaria y de Valores (CNBV).
- Management fee is lower at Betterment: 0.25% vs 1.19%.
- Account types: only Betterment offers IRA, Roth IRA.
- Account types: only Fintual offers Corporate.
- Portfolio types: only Betterment offers ESG, Cash, Crypto.
- Support channels: only Betterment offers Phone.
Our verdict on each
Betterment
Betterment suits US savers who want a robo-managed IRA with a flat, low management fee and SIPC cover. It charges a management fee of 0.25%, sits mid-table among robo-advisors on that fee, and offers only IRA and Roth IRA accounts, so UK and European readers may look elsewhere.
Fintual
Fintual fits beginners who want a managed ETF portfolio rather than placing their own trades, and its management fee of 1.19% on the corporate account sits above the robo-advisor median. With headquarters in Chile, it works as a single-market option for Chilean savers rather than a choice for UK or European investors.
Score breakdown
| Area | Betterment | Fintual |
|---|---|---|
| Cost | 9.3HigherManagement fee of 0.25% and no account fee, with a minimum investment of $10. | 8.0The management fee of 1.19% is above the robo-advisor median, offset by a minimum investment of CLP 0. |
| Offer | 9.7Higher | 8.6 |
| Trust | 9.7 | 9.7 |
Feature by feature
| Portfolio types | Betterment | Fintual |
|---|---|---|
| ETF | Yes | Yes |
| ESG | Yes | No |
| Cash | Yes | No |
| Crypto | Yes | No |
| Account types | Betterment | Fintual |
|---|---|---|
| IRA | Yes | No |
| Roth IRA | Yes | No |
| Corporate | No | Yes |
Where these facts come from
Betterment
- betterment.com: 8 facts, checked September 26, 2026
- en.wikipedia.org: 1 fact, checked September 26, 2026
- sipc.org: 1 fact, checked September 26, 2026
Fintual
- fintual.cl: 7 facts, checked September 26, 2026
- ayuda.fintual.cl: 1 fact, checked September 26, 2026
How they place
| Ranking | Betterment | Fintual |
|---|---|---|
| Stock and ETF brokers | 42 of 471 | 177 of 471 |
| Robo-advisors | 10 of 151 | 73 of 151 |
Every fact side by side
| Fact | Betterment | Fintual |
|---|---|---|
| Legal entity | MTG LLC | Fintual Administradora General de Fondos S.A. |
| Headquarters | United States | Chile |
| Founded | 2008 | Not confirmed |
| Support channels | Phone, Email, Chat, Help centreCovers more | Chat, Email, Help centre |
Brokers
| Fact | Betterment | Fintual |
|---|---|---|
| Minimum deposit | $10 | CLP 1 |
| Account fee | $0 | Not confirmed |
| Markets | Stocks, ETFs, Bonds | Stocks, ETFs, Funds |
| Features | Not confirmed | Fractional shares, Mobile app, Demo account |
| Pricing model | Not confirmed | Low fees |
| Audience | Not confirmed | Beginners |
| Deposit and withdrawal fees | No fees | Free fund transfers |
| Platforms | Not confirmed | Mobile app, Web |
| Interest on cash | 3.5% | Not confirmed |
Where each stands against the rest
| Fact | Betterment | Fintual | Median |
|---|---|---|---|
| Management fee | 0.25%below the median | 1.19%highest quarter | 0.345% |
Median across 86 listed brokers.
Pros and cons
Betterment
Pros
- A management fee of 0.25% sits below the robo-advisor median of 0.35%
- An account fee of $0 and a deposit and withdrawal charge listed as No fees
- Covered by SIPC protection of SIPC up to USD 500,000
Cons
- Account types run only to ira and roth ira, so there is no taxable or ISA-style account for UK and European readers
- A management fee of 0.25% still ranks 18 of 49 brands, so cheaper robo-advisors exist
- Markets cover only stocks, etfs and bonds, with no forex, options or crypto trading
Fintual
Pros
- Minimum investment of CLP 0 and a minimum deposit of CLP 1, so a portfolio can start small.
- Fractional shares, a mobile app and a demo account, all listed in fractional shares, mobile app and demo account.
- Fund transfers carry no charge: Free fund transfers.
Cons
- Management fees of 1.19% rank 47 of 49 on cost among the robo-advisors compared.
- Only corporate accounts are listed, so there is no personal investment account to pair it with.
- Support runs on chat, email and help centre only, with no phone line listed.
Who each suits
Betterment
Who it suits
- US savers who want a robo-managed IRA or Roth IRA
- People starting small, with a minimum investment of $10
- Investors who want automated portfolios of etf, esg and cash
Who should look elsewhere
- UK and European readers, since account types cover only ira and roth ira
- Active traders wanting forex, options or crypto beyond the stocks, etfs and bonds it lists
- Anyone seeking a management fee of 0% as at eToro
Fintual
Who it suits
- Beginners, listed as beginners, who want a managed etf portfolio.
- Anyone comfortable with a low fees model and no per-trade dealing.
- Investors who want to practise on the demo account in fractional shares, mobile app and demo account first.
Who should look elsewhere
- eToro, if you want a brand whose management fee is 0%.
- Vivid Standard, if you want business plan fees of 0.5% to 1.5%.
- Axos Invest, if you are starting above $100 rather than from CLP 0.
Current offers
Betterment
Current offer
Bonus
Invest and earn up to $2,000: up to $2,000
Terms apply; new customers only; open any individual investing account and make a deposit
Source, checked September 26, 2026
Bonus
0.75% APY boost on Cash Reserve: 0.75% APY boost, 4.25% variable APY on balances up to $1M
New clients with a qualifying deposit; guaranteed through February 15; base variable APY 3.50% as of 9/21/2026; $10 min deposit for base APY
Source, checked September 26, 2026
Discount code
Discounted mortgage rate through Rate partnership: up to 0.75% off
Via partnership with Rate; terms apply
Source, checked September 26, 2026
Country by country
| Country | Betterment | Fintual |
|---|---|---|
| United States | Yes | No |
Questions about each
Betterment
How much does Betterment charge to manage my money?+
The annual management fee is 0.25%, taken as a percentage of the portfolio. That sits below the robo-advisor median of 0.35%, and Betterment ranks 18 of 49 brands on this measure. There is no separate account charge, listed as $0.
Is my money protected if Betterment fails?+
Stated protection is SIPC up to USD 500,000, and Betterment appears on the SIPC member register as SIPC member 51906. The cover applies to cash in the brokerage account if the broker-dealer fails, and the legal entity named is MTG LLC. Portfolio market values are not protected by the scheme.
Fintual
What does Fintual cost?+
Fintual takes management fees of 1.19% on its corporate account, and the model is listed as low fees. The charge applies to the portfolio each year rather than to each trade, which suits holders rather than active traders.
Is there a minimum amount needed to start?+
The minimum investment is CLP 0 and the minimum deposit is CLP 1, so there is no real floor to clear. A Chilean saver can start with a small transfer and add to the portfolio as the balance allows.
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