Ginmon vs TopFX - BrokerCue
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Broker Comparison

Ginmon vs TopFX

Compare Ginmon and TopFX side by side: fees, regulation, platforms.

Ginmon

Ginmon

Passive ETF investors in Germany

Ginmon is a German robo advisor that builds and manages automated ETF portfolios using factor-investing princโ€ฆ

VS
TopFX

TopFX

Active forex and CFD traders

TopFX is a Cyprus-based CFD broker founded in 2010 offering forex and 600+ CFD instruments across MT4, MT5 anโ€ฆ

Head-to-head comparison

Ginmon vs TopFX
Feature Ginmon TopFX
Minimum deposit - -
Stock trading fee - -
Regulators BaFin, Deutsche Bundesbank CySEC, FSA, BVIFSC
Best for Passive ETF investors in Germany Active forex and CFD traders
Markets & account
ETFs
-
Forex
-
CFDs
-
Bonds
-
Ready Made Portfolios
-
Investment Plans
-
Business Account
-
Savings Vaults
-
Margin
-
Demo Account
-
Multi Currency
-

Pros & cons

Ginmon

Ginmon

Pros

  • All-inclusive fee of 0.75% p.a. covers custody and transactions
  • No deposit, withdrawal, or performance fees
  • BaFin and Deutsche Bundesbank regulated
  • Proprietary Apeiron active risk management adjusts allocations automatically
  • Factor-investing strategy based on Fama-French research
  • Low minimum investment: EUR 1,000 with a EUR 50/month savings plan (EUR 5,000 without one)
  • Multiple product types including Invest, VL, Junior, and TopZins
  • Available in English, which is uncommon among German robo advisors

Cons

  • Only available to investors in Germany
  • No self-directed trading - all portfolio decisions are fully automated
  • Green strategies have historically shown lower returns than global strategies
  • No demo or trial account available
  • No joint accounts offered
  • 0.75% management fee is higher than the cheapest passive ETF brokers
  • Limited asset class exposure - no direct access to individual stocks, forex, or crypto
TopFX

TopFX

Pros

  • CySEC regulation with ICF protection up to EUR 20,000
  • Three account types covering different pricing needs
  • Spreads from 0.0 pips on the Zero account
  • MetaTrader 4, MetaTrader 5 and cTrader all available
  • Free demo accounts with no expiry
  • Over 600 tradable CFD instruments
  • Low minimum deposit on Growth account
  • Copy trading available via cTrader Copy

Cons

  • All instruments are CFDs - no ownership of underlying assets
  • Pro account requires $50,000 minimum deposit
  • Inactivity fee of $5 per month after 90 days
  • FSA Seychelles and BVI entities carry lighter investor protections than CySEC
  • Limited educational resources for beginners
  • No TradingView integration
  • No proprietary social or copy-trading tools beyond cTrader Copy
Ginmon

Ginmon

Ginmon is a German robo advisor that builds and manages automated ETF portfolios using factor-investing principles, supervised by BaFin and Deutsche Bundesbank.

Your capital is at risk. Other fees apply.

TopFX

TopFX

TopFX is a Cyprus-based CFD broker founded in 2010 offering forex and 600+ CFD instruments across MT4, MT5 and cTrader with ECN-style execution.

Your capital is at risk. Other fees apply.

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