Updated September 28, 2026 · BrokerCue Editorial Team
Empower Personal Dashboard vs quirion
Where Empower Personal Dashboard and quirion differ
| Compare |  Empower Personal Dashboard |  quirion |
|---|---|---|
| Management fee | 0%Lower | 0.48% |
| Minimum investment | $0 | €0 |
| Account types | IRA | Joint |
| Portfolio types | ETF, Cash | ETF, ESG, CashCovers more |
| Regulators | Not confirmed | Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin) |
| 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 0.48%.
- Account types: only Empower Personal Dashboard offers IRA.
- Account types: only quirion offers Joint.
- Portfolio types: only quirion offers ESG.
- Support channels: only quirion 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.
quirion
quirion suits German and European savers who want a ready-made portfolio, with regulation by Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin) and money held under the EU investor compensation scheme. A minimum investment of €0 makes it easy to begin, though the ongoing fee is higher than at some rivals.
Score breakdown
| Area | Empower Personal Dashboard | quirion |
|---|---|---|
| Cost | 9.9HigherManagement fee 0%, account fee $0 and minimum investment $0 sit at the free end of costs. | 9.4Management fee of 0.48% with a minimum investment of €0 and no charge on deposits or withdrawals. |
| Offer | 8.8 | 9.2Higher |
| Trust | Not confirmed | 9.0 |
Availability and regulation
| Country | Empower Personal Dashboard | quirion |
|---|---|---|
| Germany | Not confirmed |
How they place
| Ranking | Empower Personal Dashboard | quirion |
|---|---|---|
| Stock and ETF brokers | 12 of 471 | 102 of 471 |
| Robo-advisors | 4 of 151 | 33 of 151 |
Pick Empower Personal Dashboard if, pick quirion if
Pick Empower Personal Dashboard if cost and management fee matter most.
Pick quirion if offer and portfolio types matter most.
Feature by feature
| Portfolio types | Empower Personal Dashboard | quirion |
|---|---|---|
| ETF | Yes | Yes |
| ESG | No | Yes |
| Cash | Yes | Yes |
| Account types | Empower Personal Dashboard | quirion |
|---|---|---|
| IRA | Yes | No |
| Joint | No | Yes |
What we checked
Empower Personal Dashboard
- empower.com: 7 facts, checked September 26, 2026
quirion
- quirion.de: 8 facts, checked September 26, 2026
- bafin.de: 2 facts, checked September 26, 2026
Every fact side by side
| Fact | Empower Personal Dashboard | quirion |
|---|---|---|
| Legal entity | Empower Advisory Group, LLC | quirion AG |
| Headquarters | United States | Germany |
| Founded | Not confirmed | 2013 |
| Support channels | Email, Phone, Help centre | Email, Chat, Phone, Help centreCovers more |
Brokers
| Fact | Empower Personal Dashboard | quirion |
|---|---|---|
| Minimum deposit | $0 | €25 |
| Stock trade fee | $0 | Not confirmed |
| Account fee | $0 | Not confirmed |
| Markets | Stocks, ETFs, FundsCovers more | ETFs, Funds |
| Features | Mobile app | Mobile app |
| 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 | quirion | Median |
|---|---|---|---|
| Management fee | 0%lowest quarter | 0.48%above the median | 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.
quirion
Pros
- Regulated by Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin), with money held under the EU investor compensation scheme up to the limit that scheme states
- Portfolio types cover etf, esg and cash, so a cash option sits alongside the ETF and ESG portfolios
- Support runs on email, chat and phone, and a mobile app covers the everyday account tasks
Cons
- The management fee of 0.48% is above the robo-advisor median of 0.35%, so the gap grows with the balance
- Investing covers etfs and funds only, so there is nothing here for readers who want to deal in individual shares
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.
quirion
Who it suits
- First-time investors who would rather not choose funds and ETFs themselves
- German and European savers who want a regulated provider with a joint account option
- People who want part of their money in a cash portfolio and the rest managed
Who should look elsewhere
- Readers who want to deal in individual shares: quirion covers etfs and funds, so eToro is the closer fit for self-directed trading
- Readers who prefer to commit a larger sum from the start: Axos Invest asks for a minimum investment of $100, against €0 here
Current offers
quirion
Current offer
Bonus
Studierendendepot: 50 EUR bonus for your first ETF portfolio: 50 EUR
For students, campaign runs until 16.11.2026
Source, checked September 26, 2026
Country by country
| Country | Empower Personal Dashboard | quirion |
|---|---|---|
| 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.
quirion
What does quirion cost?+
The management fee is 0.48%, taken on the portfolio rather than per trade. Deposits and withdrawals carry no charge, and support comes through email, chat and phone. The fee sits above the robo-advisor median of 0.35%, so a large balance costs more than it would at a lower-fee rival.
Is quirion regulated, and what happens to my money if the firm fails?+
quirion is regulated by Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin), the German financial supervisor, so it operates under supervision rather than as an informal saving scheme. Money with quirion is covered by the EU investor compensation scheme up to the limit that scheme states. That protection concerns the firm failing, not the market moving against a portfolio.
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