Updated September 29, 2026 · BrokerCue Editorial Team
Betterment vs Ginmon
What sets them apart
| Compare |  Betterment |  Ginmon |
|---|---|---|
| Management fee | 0.25%Lower | 0.75% |
| Minimum investment | $10 | €1 |
| Regulators | U.S. Securities and Exchange Commission (SEC) registered investment adviser, Financial Industry Regulatory Authority (FINRA) Betterment Securities broker dealer member, SIPC | Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin), Deutsche Bundesbank, Hauptverwaltung Hessen |
| Investor protection | SIPC up to USD 500,000 | EU ICS up to EUR 20,000 |
| Account types | IRA, Roth IRA | Corporate |
| Portfolio types | ETF, ESG, Cash, CryptoCovers more | ETF, ESG, Cash |
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Key differences
- Betterment scores higher overall: 9.6 vs 9.2.
- 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 Ginmon offers Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin), Deutsche Bundesbank, Hauptverwaltung Hessen.
- Founded is lower at Betterment: 2008 vs 2014.
- Management fee is lower at Betterment: 0.25% vs 0.75%.
- Account types: only Betterment offers IRA, Roth IRA.
- Account types: only Ginmon offers Corporate.
- Portfolio types: only Betterment offers Crypto.
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.
Ginmon
Ginmon is a German robo-advisor for corporate investors who want a managed ETF portfolio without a large starting sum. A management fee of 0.75% plus a minimum investment of €1 keeps the entry point low, though the account type is limited to companies.
Score breakdown
| Area | Betterment | Ginmon |
|---|---|---|
| Cost | 9.3HigherManagement fee of 0.25% and no account fee, with a minimum investment of $10. | 8.9Management fee of 0.75% is above both the robo-advisor median of 0.35% and the site median of 0.4%. |
| Offer | 9.7Higher | 9.2 |
| Trust | 9.7Higher | 9.4 |
Feature by feature
| Portfolio types | Betterment | Ginmon |
|---|---|---|
| ETF | Yes | Yes |
| ESG | Yes | Yes |
| Cash | Yes | Yes |
| Crypto | Yes | No |
| Account types | Betterment | Ginmon |
|---|---|---|
| IRA | Yes | No |
| Roth IRA | Yes | No |
| Corporate | No | Yes |
How they place
| Ranking | Betterment | Ginmon |
|---|---|---|
| Stock and ETF brokers | 42 of 471 | 99 of 471 |
| Robo-advisors | 10 of 151 | 29 of 151 |
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
Ginmon
- ginmon.de: 10 facts, checked September 26, 2026
Every fact side by side
| Fact | Betterment | Ginmon |
|---|---|---|
| Legal entity | MTG LLC | Ginmon Vermögensverwaltung GmbH |
| Headquarters | United States | Germany |
| Founded | 2008Lower | 2014 |
| Support channels | Phone, Email, Chat, Help centre | Email, Chat, Phone, Help centre |
Brokers
| Fact | Betterment | Ginmon |
|---|---|---|
| Minimum deposit | $10 | €1 |
| Account fee | $0 | Not confirmed |
| Markets | Stocks, ETFs, Bonds | ETFs, Funds |
| Deposit and withdrawal fees | No fees | Free deposits and withdrawals |
| Interest on cash | 3.5% | Not confirmed |
Where each stands against the rest
| Fact | Betterment | Ginmon | Median |
|---|---|---|---|
| Management fee | 0.25%below the median | 0.75%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
Ginmon
Pros
- Minimum investment of €1 keeps the entry point low for corporate investors
- No charge for moving money: Free deposits and withdrawals
- Supervised in Germany by Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin) and Deutsche Bundesbank, Hauptverwaltung Hessen, so the firm sits inside the German system
Cons
- Management fee of 0.75% sits above the robo-advisor median of 0.35%
- A private account is not among its account types (corporate)
- Shares are not among its markets (etfs and funds), which cover ETFs and funds
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
Ginmon
Who it suits
- Companies that want a managed portfolio set up with a small starting sum
- Investors happy to hold ETFs and funds rather than place orders
- Anyone in Germany who prefers a firm supervised by BaFin
Who should look elsewhere
- Self-directed traders, who may prefer eToro: its management fee is 0% while Ginmon manages the portfolio for you
- Anyone starting with a larger sum may prefer Axos Invest, whose minimum investment is $100
- Private investors: a personal account is not among the account types (corporate)
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 | Ginmon |
|---|---|---|
| Germany | No | Yes |
| 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.
Ginmon
What does Ginmon charge to manage an account?+
Ginmon charges a management fee of 0.75% on the corporate account it manages, and that is the main ongoing cost. The median management fee across robo-advisors is 0.35%, so you can see how Ginmon compares with the middle of the market.
How much do I need to start investing?+
The minimum investment is €1 and the minimum deposit is €1, so a small first transfer is enough. The median minimum investment across robo-advisors is €60.06, which puts Ginmon's entry point below the middle.
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