Updated September 28, 2026 · BrokerCue Editorial Team
Fintual vs ModernAdvisor
Fintual vs ModernAdvisor: the differences
| Compare |  Fintual |  ModernAdvisor |
|---|---|---|
| Management fee | 1.19% | 0.2% to 0.9%Lower |
| Minimum investment | CLP 0 | CA$1,000 to CA$5,000 |
| Regulators | Comision para el Mercado Financiero (CMF), Comision Nacional Bancaria y de Valores (CNBV) | Provincial securities commissions (registered portfolio manager in all Canadian provinces) |
| Portfolio types | ETF | ETF, ESG, CashCovers more |
| Account types | Corporate | Not confirmed |
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Key differences
- ModernAdvisor scores higher overall: 8.9 vs 8.8.
- Regulators: only Fintual offers Comision para el Mercado Financiero (CMF), Comision Nacional Bancaria y de Valores (CNBV).
- 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 1.19%.
- Portfolio types: only ModernAdvisor offers ESG, Cash.
- Support channels: only Fintual offers Chat.
- Support channels: only ModernAdvisor offers Phone.
Our verdict on each
Fintual
Fintual fits beginners who want a managed ETF portfolio rather than placing their own trades, and its management fee of 1.19% on the corporate account sits above the robo-advisor median. With headquarters in Chile, it works as a single-market option for Chilean savers rather than a choice for UK or European investors.
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 | Fintual | ModernAdvisor |
|---|---|---|
| Cost | 8.0The management fee of 1.19% is above the robo-advisor median, offset by a minimum investment of CLP 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 | 8.6 | 9.2Higher |
| Trust | 9.7Higher | 8.7 |
Licences and countries
| Country | Fintual | ModernAdvisor |
|---|---|---|
| Canada | Not confirmed |
Where they rank in our lists
| Ranking | Fintual | ModernAdvisor |
|---|---|---|
| Stock and ETF brokers | 177 of 471 | 165 of 471 |
| Robo-advisors | 73 of 151 | 65 of 151 |
A third option
eToro has management fee at 0%, against 1.19% for Fintual and 0.2% to 0.9% for ModernAdvisor.
eToro reviewSources behind this comparison
Fintual
- fintual.cl: 7 facts, checked September 26, 2026
- ayuda.fintual.cl: 1 fact, checked September 26, 2026
ModernAdvisor
- modernadvisor.ca: 4 facts, checked September 26, 2026
- help.modernadvisor.ca: 3 facts, checked September 26, 2026
Every fact side by side
| Fact | Fintual | ModernAdvisor |
|---|---|---|
| Legal entity | Fintual Administradora General de Fondos S.A. | Modern Advisor Canada Inc. |
| Headquarters | Chile | Canada |
| Support channels | Chat, Email, Help centre | Email, Phone, Help centre |
Brokers
| Fact | Fintual | ModernAdvisor |
|---|---|---|
| Minimum deposit | CLP 1 | Not confirmed |
| Markets | Stocks, ETFs, FundsCovers more | ETFs |
| Features | Fractional shares, Mobile app, Demo account | Not confirmed |
| Pricing model | Low fees | Not confirmed |
| Audience | Beginners | Not confirmed |
| Deposit and withdrawal fees | Free fund transfers | Not confirmed |
| Platforms | Mobile app, Web | Not confirmed |
Where each stands against the rest
| Fact | Fintual | ModernAdvisor | Median |
|---|---|---|---|
| Management fee | 1.19%highest quarter | 0.2% to 0.9%below the median | 0.35% |
Median across 87 listed brokers.
Pros and cons
Fintual
Pros
- Minimum investment of CLP 0 and a minimum deposit of CLP 1, so a portfolio can start small.
- Fractional shares, a mobile app and a demo account, all listed in fractional shares, mobile app and demo account.
- Fund transfers carry no charge: Free fund transfers.
Cons
- Management fees of 1.19% rank 47 of 49 on cost among the robo-advisors compared.
- Only corporate accounts are listed, so there is no personal investment account to pair it with.
- Support runs on chat, email and help centre only, with no phone line listed.
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
Fintual
Who it suits
- Beginners, listed as beginners, who want a managed etf portfolio.
- Anyone comfortable with a low fees model and no per-trade dealing.
- Investors who want to practise on the demo account in fractional shares, mobile app and demo account first.
Who should look elsewhere
- eToro, if you want a brand whose management fee is 0%.
- Vivid Standard, if you want business plan fees of 0.5% to 1.5%.
- Axos Invest, if you are starting above $100 rather than from CLP 0.
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 | Fintual | ModernAdvisor |
|---|---|---|
| Canada | No | Yes |
Questions about each
Fintual
What does Fintual cost?+
Fintual takes management fees of 1.19% on its corporate account, and the model is listed as low fees. The charge applies to the portfolio each year rather than to each trade, which suits holders rather than active traders.
Is there a minimum amount needed to start?+
The minimum investment is CLP 0 and the minimum deposit is CLP 1, so there is no real floor to clear. A Chilean saver can start with a small transfer and add to the portfolio as the balance allows.
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.