Lightyear vs LIQID - BrokerCue
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Broker Comparison

Lightyear vs LIQID

Compare Lightyear and LIQID side by side: fees, regulation, platforms.

Lightyear

Lightyear

Cost-conscious long-term investors

Low-cost investing platform with free ETFs, multi-currency accounts, fractional investing, savings products, …

VS
LIQID

LIQID

Affluent investors seeking digital wealth management

LIQID is a Berlin-based digital wealth manager offering ETF portfolios, actively managed strategies and priva…

Head-to-head comparison

Lightyear vs LIQID
Feature Lightyear LIQID
Minimum deposit - -
Stock trading fee US shares: 0.10% (0.10 USD min - 1 USD max); UK shares: 1 GBP; EUR-denominated stocks, bonds, ETNs and ETCs: 1 EUR; other European stocks: 0.10% -
Regulators FCA, EFSA, FINRA, SIPC BaFin
Best for Cost-conscious long-term investors Affluent investors seeking digital wealth management
Markets & account
Stocks
-
ETFs
Crypto
-
Bonds
Funds
Fractional Shares
-
Investment Plans
Ready Made Portfolios
Savings Vaults
-
Money Market Funds
Multi Currency
-
Business Account

Pros & cons

Lightyear

Lightyear

Pros

  • No account fee
  • Free ETF execution and custody
  • 0.35% FX conversion fee
  • Multi-currency account
  • Fractional investing
  • Web, iOS and Android access
  • Savings Vaults with money market funds
  • SIPC protection for US securities

Cons

  • Stock fees vary by instrument
  • Card deposits cost 0.6%
  • Crypto assets lack investor compensation cover
  • Product availability may vary
  • Money market fund fees apply
  • Some withdrawals may require currency conversion
LIQID

LIQID

Pros

  • BaFin-regulated with assets held as segregated Sondervermogen
  • Custody at V-Bank with statutory deposit protection up to EUR 100,000
  • Access to private equity, private debt and infrastructure from EUR 20,000 via ELTIF
  • No account opening, deposit, withdrawal or inactivity fees
  • Combination of algorithmic portfolio management and personal advisors
  • 20 investment strategies across passive ETF, sustainable and actively managed approaches
  • Fees up to 60% lower than traditional German wealth management banks

Cons

  • High minimum investment of EUR 100,000 for wealth management strategies excludes most retail investors
  • No demo account available
  • No savings plan or recurring deposit option for wealth management strategies
  • Private markets products carry management and performance fees significantly above ETF strategies
  • Limited to German market - not available to investors outside Germany
  • Select strategy has not consistently outperformed passive alternatives after costs
Lightyear

Lightyear

Low-cost investing platform with free ETFs, multi-currency accounts, fractional investing, savings products, and a 0.35% FX fee.

Visit Lightyear Read review

Your capital is at risk. Other fees apply.

LIQID

LIQID

LIQID is a Berlin-based digital wealth manager offering ETF portfolios, actively managed strategies and private markets access to investors from EUR 100,000.

Visit LIQID Read review

Your capital is at risk. Other fees apply.

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