Magnifi and InvestIQ both put an AI assistant next to your investments, but they do different jobs. Magnifi is an AI investing app run by an SEC-registered investment adviser: it links your US accounts, gives personalised recommendations and lets you trade in the app. InvestIQ is a research platform built in France: it analyses companies and audits your portfolio, and gives no personal advice. This page is published by InvestIQ.
1Side by side
| Magnifi | InvestIQ | |
|---|---|---|
| What it is | “An AI investing app and platform” for self-directed investors | AI equity research platform for individual investors |
| Regulatory status | Magnifi LLC, SEC-registered investment adviser; “AI-driven investment recommendations” | Not an investment adviser; educational research, no personal recommendation |
| Accounts and trading | Read-only linking through aggregators such as Plaid (brokerage, IRA, 401(k), 529, HSA); commission-free trades through Apex Clearing or E*Trade | CSV import from Degiro, IBKR, Trading 212, Revolut, XTB and Saxo; no trading |
| Stock research | Natural-language screener for stocks, ETFs and funds; analyst ratings; licensed partner research on Premium; no AI predictions | Stock analysis with a published 0–100 score, Deep Research reports, a War Room debate, a Copilot |
| Portfolio | Portfolio Health Score; drift and overexposure alerts; goals stress-tested across 200 scenarios; virtual portfolios | Portfolio audit (concentration, diversification, risk, quality) and alerts |
| Claude / ChatGPT | Not mentioned on its site | One MCP server for Claude, ChatGPT and Cursor, included in every plan |
| Interface | English; iOS, Android and web | English and French; web |
| Free plan | Yes, with no time limit: account overview, risk analysis, discovery and recommendations, commission-free trading | Yes: 3 stock analyses, 1 Deep Research report and 1 portfolio audit a month |
| Paid plan | Premium $14 a month or $99 a year | Pro €19 a month; Ultra €49 a month |
| Company | Magnifi LLC (Delaware), owned by The TIFIN Group | InvestIQ SASU, France |
2Where Magnifi stands out
- Personalised recommendations from a registered adviser, and trading in the same app — InvestIQ offers neither.
- Linking of US retirement accounts (401(k), IRA, 529, HSA) as well as brokerage accounts.
- A free plan with no time limit, and a low yearly price for Premium.
- Mobile apps, virtual portfolios and goal planning with stress tests.
3Where InvestIQ is different
- Its own research on each company: a scoring method published in full, Deep Research reports of 15 to 18 pages, and a War Room where AI analysts with opposing roles debate your thesis, their figures checked by code.
- Built for European investors too: French interface, prices in euros, imports from Degiro, Trading 212, Revolut, XTB, Saxo and IBKR.
- No recommendation and no trading: it explains, you decide.
- The same research inside Claude, ChatGPT and Cursor, on every plan.
InvestIQ’s limits: no live account linking, no mobile app, no trading and no personalised advice.
4Which one for which need
- **Choose Magnifi** if you invest through US accounts and want an AI assistant that recommends and lets you trade in one app, under a registered adviser.
- **Choose InvestIQ** if you want to understand the companies you own or consider — with a published method, full reports and a debate — in English or French, and keep the decisions.
5Sources
Magnifi pages read on 6 November 2026: home, FAQ, pricing, market research, risk management, enterprise; its Form CRS and Form ADV Part 2A (July 2026). App Store prices differ from the website’s; we quote the website and the regulatory forms.
InvestIQ: pricing, methodology, disclaimer. A fact out of date? Write to contact@getinvestiq.com.