★ A CURATED DIRECTORY OF FINANCIAL TOOLS AND RESOURCES ★
VOL. XCIV, NO. 247
SoFi Invest Review, Pricing, and Features
SoFi Invest
SoFi Self-Directed Invest combines a beginner-friendly brokerage with stocks, ETFs, options, mutual funds, selected alternative funds, and more than 4,000 fractional securities. Standard online commissions are $0, though fund, transfer, inactivity, regulatory, and other service charges remain important. The optional brokerage bank sweep is separate from SoFi Checking and Savings.
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Pricing
Key fees from the official fee schedule
Source-checked · Jul 17, 2026Online U.S. stocks, ETFs and options
Certain mutual and specialized funds
Selected account and transfer services
The brokerage cash sweep is an opt-in feature of SoFi Invest managed through Apex and program banks. It is separate from SoFi Checking and Savings at SoFi Bank. This profile covers self-directed brokerage through SoFi Securities. Robo Invest is an advisory service of SoFi Wealth with separate pricing, suitability, portfolio management and withdrawal mechanics. See the SoFi fee schedule for your country.
Key features
- Online U.S. stock, ETF, and listed-options trading with $0 stated commissions.
- More than 4,000 eligible stock and ETF fractions starting at $5.
- Individual, joint, community-property, tenancy-by-entirety, and eligible IRA registrations.
- Mutual funds, interval funds, and tender-offer funds with product-specific transaction costs.
- Recurring deposits, portfolio monitoring, watchlists, and integrated SoFi app access.
- Optional brokerage cash sweep through Apex and participating program banks.
- Consolidated U.S. tax documents delivered through the document center where applicable.
Broker details
Account and availability
Available in 1 country
Account
Individual self-directed brokerage, Joint, community-property and eligible tenancy-by-entirety accounts, Traditional, Roth, rollover and SEP IRA · USD base currency · $5 to begin self-directed investing
Cash and trading
Interest on uninvested cash
Variable; current APY not stated on the public page
Deposits
Standard ACH has no stated SoFi fee
Same-owner ACH, SoFi bank transfer, check, domestic wire, ACATS or rollover · Instant buying power can apply; excess external ACH is generally tradable after 3 business days
Withdrawals
ACH $0; outgoing wire $25
ACH to a linked same-owner bank or outgoing wire · External ACH generally 1–3 business days after cash is withdrawable
Fractional shares
Limited availability
More than 4,000 eligible stocks and ETFs · $5 buy minimum; quantities to 5 decimal places
Tax support · United States
Country tax report provided
Regulation and protection
SoFi Securities LLC
SEC and FINRA; member SIPC · CRD 151717; SEC 8-68389
Securities Investor Protection Corporation (SIPC) · $500,000, including a $250,000 cash limit
Covers missing eligible securities and cash after broker failure, not market loss. Cash already swept to a program bank is outside SIPC.
FDIC brokerage bank sweep · $250,000 per depositor, ownership category and program bank
Only cash received by a program bank qualifies, aggregated with the customer's other same-capacity deposits at that bank.
Source-checked · Reviewed Jul 17, 2026 · Official sources: SoFi Securities LLC broker registration, SoFi Invest account types, Who may open a SoFi Invest account?, SoFi Invest pricing, rates and fees, SoFi Invest account protection, Brokerage cash sweep program, Adding funds to SoFi Invest, SoFi fractional shares, SoFi Invest tax documents
FAQ
Is SoFi Invest free?
SoFi Invest should not be treated as free software. Brokerage access may have no monthly charge, but transaction, FX, market-data, custody, transfer, product, or spread costs can apply depending on the offer and jurisdiction. Check the broker details and official fee schedule.
Who is SoFi Invest best for?
It suits beginner and intermediate users.
What platforms and connections does SoFi Invest support?
You can use SoFi Invest on Web and Mobile.
Which markets does SoFi Invest cover?
SoFi Invest covers North America. It tracks Stocks, ETFs, Options, and Mutual Funds. Identifiers include Ticker.
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