SoFi Invest
All-in-one banking and investing for SoFi ecosystem members
How it works
SoFi Invest is the investment arm of SoFi Technologies, offering self-directed active investing alongside an automated robo-advisor that was ranked #1 by The Robo Report in 2025. You can trade stocks, ETFs, and options commission-free, or let the robo-advisor build and manage a diversified portfolio for a 0.25% annual fee. The platform integrates with SoFi's banking, lending, and credit card products for a unified financial experience — and SoFi Plus members get unlimited access to certified financial planners.
Is it right for you?
Consider if you
- You want banking, investing, loans, and credit cards in a single app
- You're a hands-off investor seeking an affordable robo-advisor with CFP access
- You want to start automated investing with as little as $50
Skip if you
- Active traders needing advanced charting, screeners, and research tools
- Investors who require tax-loss harvesting in their managed accounts
Your money and data
SoFi Securities LLC is an SEC-registered broker-dealer and FINRA/SIPC member. Your invested assets are SIPC-protected up to $500,000. Uninvested cash is swept to FDIC-insured program banks through Apex Clearing. SoFi Bank, N.A. is a member FDIC. Cryptocurrency through SoFi Digital Assets is not SIPC or FDIC protected. Loaned securities through SoFi's share lending program lose SIPC protection.
Pros & Cons
Pros
- $0 commissions on stocks, ETFs, and options with no per-contract fee
- Robo-advisor named #1 Best Overall by The Robo Report in Summer 2025
- Free CFP access — one 30-minute session for all members, unlimited with SoFi Plus
Cons
- No tax-loss harvesting — Wealthfront and Betterment offer this
- $100 outgoing ACAT transfer fee and $100 IRA closure fee
- Customer support limited to weekdays only, 5am to 5pm PT
Pricing details
$0 stock/ETF trades · Robo-advisor 0.25% annual fee · $50 robo minimum · SoFi Plus $10/month or free with direct deposit
On sofi.com · We may earn a commission
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