LIQID vs Oskar - BrokerCue
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Broker Comparison

LIQID vs Oskar

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

LIQID

LIQID

Affluent investors seeking digital wealth management

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

VS
Oskar

Oskar

Passive ETF investors in Germany

Oskar is a German robo-advisor offering ETF-based portfolios with five risk levels, automatic rebalancing, ki…

Head-to-head comparison

LIQID vs Oskar
Feature LIQID Oskar
Minimum deposit - -
Stock trading fee - -
Regulators BaFin BaFin, Deutsche Bundesbank
Best for Affluent investors seeking digital wealth management Passive ETF investors in Germany
Markets & account
ETFs
Bonds
-
Funds
-
Ready Made Portfolios
Money Market Funds
-
Investment Plans
Business Account
-

Pros & cons

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
Oskar

Oskar

Pros

  • No account opening, deposit, withdrawal, or performance fees
  • Low minimum savings plan of 25 euros per month
  • Five preset risk portfolios covering equities, bonds, gold and commodities
  • Automatic rebalancing when allocations drift more than 6%
  • Dedicated kids account with multi-payer support
  • ESG screening across 50% of portfolio holdings
  • Assets held as segregated property at Baader Bank AG

Cons

  • No individual stock or ETF selection - five preset strategies only
  • Management fee of 1.0% p.a. is above average for portfolios under 10,000 euros
  • No demo or paper trading account
  • Underweight US equities relative to global market cap weighting
  • Customer support response times of 2-5 business days by email
  • German-only platform and service - not available outside Germany
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.

Oskar

Oskar

Oskar is a German robo-advisor offering ETF-based portfolios with five risk levels, automatic rebalancing, kids accounts, and ESG options from 25 euros per month.

Visit Oskar Read review

Your capital is at risk. Other fees apply.

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