N1CM vs Personal Capital

N1CM vs Personal Capital Comparison Table 2024
N1CM Personal Capital
3.3
3.3

N1CM is an offshore forex and CFD broker launched in 2017 and based in Vanuatu. The brand offers highly leveraged trading on nearly 100 instruments via the MetaTrader 4 and MetaTrader 5 platforms. The brokerage also offers a range of account types including a raw spread account with low commission fees, which will appeal to active forex traders.

Empower (formerly Personal Capital) is a popular, SEC-regulated US financial advisory and investment platform that offers pensions, ready-made investment plans and do-it-yourself, commission-free investing through a large range of mutual funds, ETFs, individual equities and fixed-income securities. The broker has an impressive 3.4 million clients.

Bonus Offer
35% Welcome Deposit Bonus
Comment by Reviewer
"N1CM will satisfy forex traders seeking high leverage up to 1:1000 with an offshore broker. The low $5 deposit and Cent account will appeal to beginners in particular. On the negative side, the broker's regulatory status is weak." "Personal Capital (now Empower) is a great option for investors seeking a flexible way to build an investment portfolio or pension plan. It is a particularly good fit for US traders owing to the SEC oversight."
Pros
  • Both MetaTrader 4 and MetaTrader 5 platforms
  • Low minimum deposit and withdrawal limits
  • 1:1000 maximum leverage
  • Free educational resources
  • Welcome bonus
  • ECN execution
  • FDIC-insured cash account with no minimum balance requirement
  • Segregated client funds with a top-tier custodian bank
  • A wealth of free financial analysis and planning tools
  • Easy-to-use platform and financial dashboard
  • Well-known and popular investing platform
  • Strong regulatory oversight from SEC
  • Mobile app
Cons
  • Paper trading only available on verified accounts
  • Not as trustworthy as alternative brokers
  • Wide spreads for the classic account
  • Weak regulatory status
  • No VPS service
  • Wealth management services only for customers with $100,000+ in invested assets
  • No forex, futures or cryptocurrencies
  • An annual advisory fee of 0.89%
  • No demo account
  • US residents only
Awards
  • Best Forex & CFD Trading Platform 2022
  • Best Customer Service 2021
  • Best Forex & CFD Trading Platform 2021
  • Best Forex & CFD Trading Platform 2020
  • Best Forex Execution 2020
  • Best Customer Service 2020
  • Best for Portfolio Management 2020
Instruments
Forex, Indices, Commodities, Shares, Cryptocurrencies, Metals Stocks, ETFs, Mutual Funds, Fixed Income
Demo Account
Yes No
Minimum Deposit
$5 $1 (Cash), $100,000 (Robo Advisor)
Trading Platforms
  • MT4
  • MT5
  • Own
Payment Methods
Minimum Trade
0.01 Lots Variable
Regulator
VFSC SEC
Margin Trading
Yes No
STP Account
No No
ECN Account
Yes No
DMA Account
No No
MAM Account
No No
PAMM Account
No No
LAMM Account
No No
Demat Account
No No
AI / Machine Learning
No No
Robo Advisor
No Yes
Negative Balance Protection
Yes No
Market Maker
No No
P2P Trading
No No
Spot Trading
No No
Mobile Apps
iOS & Android iOS & Android
Auto Trading
Expert Advisors (EAs) on MetaTrader Yes (Auto Portfolios)
Copy Trading
Yes No
Copy Trading Platform
Follow the trades of experienced users by acting on signals provided in the MetaTrader platforms. But while actionable signals are useful, other brokers provide more user-friendly and sophisticated copy trading services.
Social Trading
No No
Trade Signals
MT4 & MT5
VPS Hosting
No No
Tournaments
No No
Demo Competitions
No No
Ethical Investing
No Yes
Custodial Account
No No
Guaranteed Stop Loss
No No
Islamic Account
No No
Account Currencies
  • USD
  • USD
Stock Exchanges
Commodities
CFD Trading
Trade CFDs on forex, stocks, commodities, indices and cryptos with leverage ranging from 1:25 to 1:1000. The average 211ms execution speeds are not as fast as our top-rated options, but the broker does provide deep liquidity and features such as negative balance protection. CFD trading not offered
Leverage
1:1000
FTSE Spread
From 0.5 pips
GBPUSD Spread
From 0.5 pips
Oil Spread
From 0.5 pips
Stocks Spread
From 0.5 pips
Forex Trading
Trade 50 major, minor and exotic forex pairs including EUR/GBP and USD/JPY. While not the widest selection of currencies, forex traders benefit from tighter-than-average floating spreads from 0.3 pips. Forex trading not offered
GBPUSD Spread
1.1 average
EURUSD Spread
0.9 average
EURGBP Spread
1.1 average
Assets
50+
Cryptocurrency
Trade leveraged CFDs on BTC, BCH, ETH, XRP and LTC in pairs with USD. The small selection does not offer much to traders who favor crypto, but there is enough for traders to dip into the sector's volatility. Crypto trading not offered
Spread
Variable
Coins
  • BTC
  • BCH
  • ETH
  • LTC
  • XRP
Crypto Lending
No No
Crypto Mining
No No
Crypto Staking
No No
Auto Market Maker
No No
More Comparisons
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