SoFi Invest Review
All-in-one investing alongside SoFi banking and loans. Independent SoFi Invest review: 4.2/5 for brokerage. Best for Existing SoFi members.
By Michael Hewitt, Founder & Editor-in-Chief. Rates last checked September 7, 2026.
Our verdict
Existing SoFi members have the clearest reason to use SoFi Invest: $0 commission on stocks and ETFs and no minimum deposit to open, a 1% IRA match on contributions and rollovers up to IRS limits, and access to a credentialed SoFi financial planner. Research tools are limited compared to Fidelity or Schwab, and robo portfolios skip tax-loss harvesting, which keeps it from rating higher.
Skip it if you rely on deep research tools, or want tax-loss harvesting in a robo portfolio.
About SoFi Invest
All-in-one investing alongside SoFi banking and loans. SoFi Invest is offered by SoFi Securities LLC. Our editorial rating is 4.2 out of 5.
Best for: Existing SoFi members.
Editorial grade: A- (composite score 84/100).
Highlights
- $0 commission on stocks and ETFs; other fees may apply
- 1% IRA match on contributions + rollovers (up to IRS limits)
- Fractional shares from $5, plus IPO access and robo-advisor
What we like
- Integrates with SoFi Checking, Savings, and Credit Card
- IPO access without high-net-worth requirements
- Access to a credentialed SoFi CFP® financial planner: one appointment for members, unlimited for SoFi Plus members
- Taxable, Traditional IRA, Roth IRA and SEP IRA accounts
Where it falls short
- Limited research tools compared to Fidelity/Schwab
- No tax-loss harvesting on automated (robo) portfolios
Fees, minimums, and rates
Monthly fee: $0 commission. Minimum to open: $0. New-customer bonus: Up to $1,000 in stock (fund $50+). Rates and fees last checked on September 7, 2026.
How we reviewed it
This is a desk review: we have not opened an account with SoFi Securities LLC. It is built from SoFi Securities LLC's published rates, fee schedule and terms and from the public complaint record, and compared with the other products in the Brokerage shortlist. Our brokerage and robo-advisor reviews weight costs and fees (25%), platform and tools (20%), asset selection (15%), account types (10%), education and research (10%), customer support (10%), and trust and safety (10%). The rubric is the same for every brand.
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Read our full editorial methodology for how we review products.