Updated September 29, 2026 · BrokerCue Editorial Team
Evergreen GmbH vs ModernAdvisor
Evergreen GmbH vs ModernAdvisor: the differences
| Compare |  Evergreen GmbH |  ModernAdvisor |
|---|---|---|
| Management fee | 0.79% | 0.2% to 0.9%Lower |
| Minimum investment | €1 | CA$1,000 to CA$5,000 |
| Regulators | Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin), Deutsche Bundesbank | Provincial securities commissions (registered portfolio manager in all Canadian provinces) |
| Portfolio types | ESG, Cash | ETF, ESG, CashCovers more |
| Investor protection | EU ICS up to EUR 20,000 | Not confirmed |
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Key differences
- Evergreen GmbH scores higher overall: 9.2 vs 8.9.
- Regulators: only Evergreen GmbH offers Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin), Deutsche Bundesbank.
- Regulators: only ModernAdvisor offers Provincial securities commissions (registered portfolio manager in all Canadian provinces).
- Management fee is lower at ModernAdvisor: 0.2% to 0.9% vs 0.79%.
- Portfolio types: only ModernAdvisor offers ETF.
Our verdict on each
Evergreen GmbH
Evergreen is a German robo-advisor that suits beginners saving steadily in a single currency rather than trading. It charges a management fee of 0.79%, accepts a minimum deposit of €1, and holds a Bundesanstalt fuer Finanzdienstleistungsaufsicht licence alongside Deutsche Bundesbank oversight.
ModernAdvisor
Modern Advisor is a Canadian automated adviser for savers who want a managed ETF portfolio handled for them, not a place to trade. Costs suit steady monthly investors, but a 0.2% to 0.9% management fee and a CAD 1,000 to CAD 5,000 minimum ask for a real pot before you start.
Score breakdown
| Area | Evergreen GmbH | ModernAdvisor |
|---|---|---|
| Cost | 8.8Management fee of 0.79% against a category median of 0.35%, with an account fee of €0. | 9.0HigherManagement fees of 0.2% to 0.9% sit above the robo-advisor median of 0.35%, with a CAD 1,000 to CAD 5,000 entry point. |
| Offer | 8.9 | 9.2Higher |
| Trust | 9.7Higher | 8.7 |
Feature by feature
| Portfolio types | Evergreen GmbH | ModernAdvisor |
|---|---|---|
| ETF | No | Yes |
| ESG | Yes | Yes |
| Cash | Yes | Yes |
Sources behind this comparison
Evergreen GmbH
- evergreen.de: 8 facts, checked September 26, 2026
ModernAdvisor
- modernadvisor.ca: 4 facts, checked September 26, 2026
- help.modernadvisor.ca: 3 facts, checked September 26, 2026
How they place
| Ranking | Evergreen GmbH | ModernAdvisor |
|---|---|---|
| Robo-advisors | 27 of 151 | 65 of 151 |
Every fact side by side
| Fact | Evergreen GmbH | ModernAdvisor |
|---|---|---|
| Legal entity | Evergreen GmbH | Modern Advisor Canada Inc. |
| Headquarters | Germany | Canada |
| Support channels | Email, Phone, Help centre | Email, Phone, Help centre |
Brokers
| Fact | Evergreen GmbH | ModernAdvisor |
|---|---|---|
| Minimum deposit | €1 | Not confirmed |
| Account fee | €0 | Not confirmed |
| Markets | Funds | ETFs |
| Audience | Beginners | Not confirmed |
| Interest on cash | 3.25% | Not confirmed |
Where each stands against the rest
| Fact | Evergreen GmbH | ModernAdvisor | Median |
|---|---|---|---|
| Management fee | 0.79%highest quarter | 0.2% to 0.9%below the median | 0.35% |
Median across 87 listed brokers.
Pros and cons
Evergreen GmbH
Pros
- Management fee of 0.79% with an account fee of €0, so no separate account charge
- Minimum investment of €1 and a minimum deposit of €1 keep entry small
- Regulated by Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin) and Deutsche Bundesbank, with EU ICS up to EUR 20,000
Cons
- Markets cover funds only, so shares, ETFs and crypto sit outside the plan
- The management fee of 0.79% sits above the robo-advisor median of 0.35%
ModernAdvisor
Pros
- One predictable charge: a management fee of 0.2% to 0.9% rather than a commission on every trade
- Registered as a portfolio manager with the provincial securities commissions in all Canadian provinces
- Portfolio choice covers ETF, ESG and cash options, so risk can be adjusted over time
Cons
- A CAD 1,000 to CAD 5,000 minimum is well above the robo-advisor median of €60.06
- The 0.2% to 0.9% fee is above the robo-advisor median of 0.35%
- Shares are not among its markets, which cover etfs
Who each suits
Evergreen GmbH
Who it suits
- Beginners building wealth gradually rather than trading
- Savers in the euro who want the portfolio chosen for them
- People who value a Bundesanstalt fuer Finanzdienstleistungsaufsicht licence and a named deposit protection scheme
Who should look elsewhere
- Anyone wanting shares, ETFs or crypto, since markets cover funds only
- Traders who will not pay a recurring management fee of 0.79%
- Large portfolios needing a minimum investment above €1
ModernAdvisor
Who it suits
- Canadian residents with a lump sum who would rather not choose investments themselves
- Investors who want ESG or cash portfolios alongside the core ETF option
- People who prefer one ongoing charge to per-trade commissions
Who should look elsewhere
- Anyone wanting to trade shares, as Modern Advisor covers ETFs only
- Small investors building a portfolio slowly, held back by the CAD 1,000 to CAD 5,000 minimum
- Readers in the UK and Europe, since the minimum is set in Canadian dollars and the firm is registered as a portfolio manager in all Canadian provinces
Country by country
| Country | Evergreen GmbH | ModernAdvisor |
|---|---|---|
| Canada | No | Yes |
| Germany | Yes | No |
Questions about each
Evergreen GmbH
How much does Evergreen charge to manage my money?+
Evergreen charges a management fee of 0.79% on your portfolio. There is no separate account charge, since the account fee is €0. The fee sits above the robo-advisor median of 0.35%, so it is the running cost to weigh.
Who regulates Evergreen and what protects my money?+
Evergreen GmbH is supervised by Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin) and Deutsche Bundesbank in Germany. Deposits are covered by the scheme stated as EU ICS up to EUR 20,000, which sets the compensation level if the firm fails.
ModernAdvisor
What does Modern Advisor charge to manage my money?+
Modern Advisor charges a management fee of 0.2% to 0.9%, taken as a set ongoing rate rather than a commission per trade. Robo-advisors across the comparison table charge a median of 0.35%, so read the two against each other before you commit.
How much do I need to start investing?+
The minimum investment is CAD 1,000 to CAD 5,000. That sits well above the robo-advisor median of €60.06, so Modern Advisor is aimed at savers with a sum already put aside rather than those building a portfolio slowly.