Updated September 28, 2026 · BrokerCue Editorial Team
Empower Personal Dashboard vs Moneyfarm
Empower Personal Dashboard vs Moneyfarm: the differences
| Compare |  Empower Personal Dashboard |  Moneyfarm |
|---|---|---|
| Management fee | 0%Lower | 0.1% to 0.45% |
| Minimum investment | $0 | £500 |
| Account types | IRA | ISA, SIPP |
| Portfolio types | ETF, Cash | ETF, ESG, Cash, CryptoCovers more |
| Regulators | Not confirmed | Financial Conduct Authority |
| Investor protection | Not confirmed | FSCS up to GBP 85,000 |
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Key differences
- Empower Personal Dashboard scores higher overall: 9.4 vs 9.1.
- Management fee is lower at Empower Personal Dashboard: 0% vs 0.1% to 0.45%.
- Account types: only Empower Personal Dashboard offers IRA.
- Account types: only Moneyfarm offers ISA, SIPP.
- Portfolio types: only Moneyfarm offers ESG, Crypto.
- Support channels: only Moneyfarm 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.
Moneyfarm
Moneyfarm suits UK savers who want an ISA or SIPP built and run for them, and who are content paying a percentage fee rather than trading directly. The management fee of 0.1% to 0.45% is the figure to weigh, and it sits above the median for robo-advisors.
Score breakdown
| Area | Empower Personal Dashboard | Moneyfarm |
|---|---|---|
| Cost | 9.9HigherManagement fee 0%, account fee $0 and minimum investment $0 sit at the free end of costs. | 9.1The management fee of 0.1% to 0.45% runs above the robo-advisor median, and a stock trade fee of £3.95 adds on top. |
| Offer | 8.8 | 9.7Higher |
| Trust | Not confirmed | 8.7 |
Choosing between them
Pick Empower Personal Dashboard if cost and management fee matter most.
Pick Moneyfarm if offer and portfolio types matter most.
Where they rank in our lists
| Ranking | Empower Personal Dashboard | Moneyfarm |
|---|---|---|
| Stock and ETF brokers | 12 of 471 | 119 of 471 |
| Robo-advisors | 4 of 151 | 43 of 151 |
Sources behind this comparison
Empower Personal Dashboard
- empower.com: 7 facts, checked September 26, 2026
Moneyfarm
- moneyfarm.com: 9 facts, checked September 26, 2026
Every fact side by side
| Fact | Empower Personal Dashboard | Moneyfarm |
|---|---|---|
| Legal entity | Empower Advisory Group, LLC | MFM Investment Ltd |
| Headquarters | United States | United Kingdom |
| Support channels | Email, Phone, Help centre | Email, Phone, Help centre, ChatCovers more |
Brokers
| Fact | Empower Personal Dashboard | Moneyfarm |
|---|---|---|
| Minimum deposit | $0 | Not confirmed |
| Stock trade fee | $0 | £3.95 |
| Account fee | $0 | Not confirmed |
| Markets | Stocks, ETFs, Funds | Stocks, ETFs, Bonds, FundsCovers more |
| Features | Mobile app | Not confirmed |
| Pricing model | Commission free, Low fees | Not confirmed |
| Currency conversion fee | Not confirmed | 0.7% |
| Deposit and withdrawal fees | Not confirmed | Free deposits and withdrawals |
Where each stands against the rest
| Fact | Empower Personal Dashboard | Moneyfarm | Median |
|---|---|---|---|
| Management fee | 0%lowest quarter | 0.1% to 0.45%lowest quarter | 0.35% |
Median across 87 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.
Moneyfarm
Pros
- Regulated in the UK by the Financial Conduct Authority, with licence 629539 to check on the register.
- Deposits and withdrawals carry no charge, so money can move in and out without a transaction fee eating the saving.
- Portfolio styles run to etf, esg and cash, letting a saver tilt towards ESG, cash or crypto alongside a diversified core.
Cons
- The management fee of 0.1% to 0.45% sits above the robo-advisor median of 0.35%.
- The £500 entry point is well above the robo-advisor median of €60.06, and above Axos Invest at $100.
- Costs stack up: a stock trade fee of £3.95 applies alongside the management fee, while eToro lists a management fee of 0%.
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.
Moneyfarm
Who it suits
- UK savers who want an ISA or SIPP run for them and would rather pay a percentage than place their own trades.
- People who want help by phone, chat and email as well as online, since support runs on email, phone and help centre.
- Investors who want their portfolio style to include ESG, cash or crypto, since the options run to etf, esg and cash.
Who should look elsewhere
- Small opening payments: Axos Invest starts at $100, a lighter entry than £500.
- Anyone who prefers running their own trades: eToro lists a management fee of 0%, so the cost sits elsewhere.
- Savers shopping fee bands: Vivid Standard charges 0.5% to 1.5%, higher than the band here.
Country by country
| Country | Empower Personal Dashboard | Moneyfarm |
|---|---|---|
| United Kingdom | 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.
Moneyfarm
What does Moneyfarm charge to run my money?+
The ongoing cost is a management fee of 0.1% to 0.45% on the value of the portfolio, taken as a percentage of what you hold rather than as a price per trade. Accounts open at £500, so the fee applies to whatever sits above that floor.
Is there a fee for buying or selling?+
A stock trade fee of £3.95 is listed for anyone who places a trade, and it sits alongside the management fee. Because the portfolio is run for you, the management fee is the line that does most of the work in practice.
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