Updated September 28, 2026 · BrokerCue Editorial Team
Empower Personal Dashboard vs Ginmon
What sets them apart
| Compare |  Empower Personal Dashboard |  Ginmon |
|---|---|---|
| Management fee | 0%Lower | 0.75% |
| Minimum investment | $0 | €1 |
| Account types | IRA | Corporate |
| Portfolio types | ETF, Cash | ETF, ESG, CashCovers more |
| Regulators | Not confirmed | Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin), Deutsche Bundesbank, Hauptverwaltung Hessen |
| Investor protection | Not confirmed | EU ICS up to EUR 20,000 |
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Key differences
- Empower Personal Dashboard scores higher overall: 9.4 vs 9.2.
- Management fee is lower at Empower Personal Dashboard: 0% vs 0.75%.
- Account types: only Empower Personal Dashboard offers IRA.
- Account types: only Ginmon offers Corporate.
- Portfolio types: only Ginmon offers ESG.
- Support channels: only Ginmon offers Chat.
Our verdict on each
Empower Personal Dashboard
Empower Personal Dashboard suits US savers who want a managed retirement account without a fee attached. The management fee is 0% and the minimum investment is $0, so the cost side is as light as it gets. It fits people who would rather set it and leave it than trade.
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 | Empower Personal Dashboard | Ginmon |
|---|---|---|
| Cost | 9.9HigherManagement fee 0%, account fee $0 and minimum investment $0 sit at the free end of costs. | 8.9Management fee of 0.75% is above both the robo-advisor median of 0.35% and the site median of 0.4%. |
| Offer | 8.8 | 9.2Higher |
| Trust | Not confirmed | 9.4 |
Cost in a real example
10,000 invested for a year
Empower Personal Dashboard
0
0% of 10,000
Ginmon
75
0.75% of 10,000
Empower Personal Dashboard comes out 75 lower in this example.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
Choosing between them
Pick Empower Personal Dashboard if cost and management fee matter most.
Pick Ginmon if offer and portfolio types matter most.
Availability and regulation
| Country | Empower Personal Dashboard | Ginmon |
|---|---|---|
| Germany | Not confirmed |
How they place
| Ranking | Empower Personal Dashboard | Ginmon |
|---|---|---|
| Stock and ETF brokers | 12 of 471 | 99 of 471 |
| Robo-advisors | 4 of 151 | 29 of 151 |
Every fact side by side
| Fact | Empower Personal Dashboard | Ginmon |
|---|---|---|
| Legal entity | Empower Advisory Group, LLC | Ginmon Vermögensverwaltung GmbH |
| Headquarters | United States | Germany |
| Founded | Not confirmed | 2014 |
| Support channels | Email, Phone, Help centre | Email, Chat, Phone, Help centreCovers more |
Brokers
| Fact | Empower Personal Dashboard | Ginmon |
|---|---|---|
| Minimum deposit | $0 | €1 |
| Stock trade fee | $0 | Not confirmed |
| Account fee | $0 | Not confirmed |
| Markets | Stocks, ETFs, FundsCovers more | ETFs, Funds |
| Features | Mobile app | Not confirmed |
| Pricing model | Commission free, Low fees | Not confirmed |
| Deposit and withdrawal fees | Not confirmed | Free deposits and withdrawals |
Where each stands against the rest
| Fact | Empower Personal Dashboard | Ginmon | Median |
|---|---|---|---|
| Management fee | 0%lowest quarter | 0.75%highest quarter | 0.345% |
Median across 86 listed brokers.
Pros and cons
Empower Personal Dashboard
Pros
- Management fee of 0% and an account fee of $0, so nothing leaves the balance each year.
- Minimum investment of $0 and a minimum deposit of $0, so a small first contribution is enough.
- Stock trades cost $0 across stocks, etfs and funds, with managed portfolios in ETF and cash styles.
Cons
- The account type is an IRA, so it is a retirement account rather than a general dealing account.
- Markets stop at stocks, etfs and funds, with no crypto, options or forex added on.
- Support runs on email, phone and help centre, so there is no live chat for quick questions.
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
Empower Personal Dashboard
Who it suits
- US savers building a retirement account who want it run for them at no annual charge.
- People who prefer ETF and cash portfolios over picking their own shares.
- Long-term investors content with a conventional asset range.
Who should look elsewhere
- eToro, where the managed portfolios start at $500.
- Vivid Standard, which charges a management fee of 0.5% to 1.5%.
- Axos Invest, where managed portfolios start at $100.
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)
Country by country
| Country | Empower Personal Dashboard | Ginmon |
|---|---|---|
| Germany | No | Yes |
Questions about each
Empower Personal Dashboard
What does Empower Personal Dashboard charge?+
The management fee is 0% and the account fee is $0, so nothing is taken out of the balance for holding or running the account. Trading is separate, and the stock trade fee is $0, which keeps running costs thin overall.
Is there a minimum to get started?+
The minimum investment is $0 and the minimum deposit is $0, so you can begin with a small amount rather than waiting for a large balance. That makes it a practical first step for anyone building a retirement pot gradually.
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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