★ BEST INVESTING TOOLS COMPARISON ★
VOL. XCIV, NO. 247
Tool details checked July 17, 2026
Tool Comparison
SoFi Invest vs TD Direct Investing
Pick SoFi Invest if
SoFi Invest
Transaction-priced · Fees vary by offer and jurisdiction · Web · Mobile
Pick TD Direct Investing if
TD Direct Investing
Transaction-priced · Fees vary by offer and jurisdiction · Web · Mobile
- You've outgrown the basics and want pro-level depth
Skip both if: These two cover the same ground; it really comes down to price and which interface you enjoy using.
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Our take
The bottom line
SoFi Invest and TD Direct Investing cover a lot of the same ground (5 shared categories, including brokerage, portfolio, and watchlist), so for the basics you won't go far wrong with either. On paper they're closely matched, so let pricing, platform fit, and the details below break the tie.
What readers say
SoFi Invest
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TD Direct Investing
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Key differences at a glance
- Asset coverage
- TD Direct InvestingAdds bonds
See for yourself
How they stack up
The side-by-side table: pricing, platforms, data, and coverage at a glance.ShowHide
How they stack up
The side-by-side table: pricing, platforms, data, and coverage at a glance.| Attribute | ||
|---|---|---|
| Pricing & plans | ||
Starting price | Transaction-priced · Fees vary by offer and jurisdiction | Transaction-priced · Fees vary by offer and jurisdiction |
Free tier | No | No |
Free trial | — | — |
| Platforms & access | ||
Web app | Yes | Yes |
Mobile app | Yes | Yes |
API access | No | No |
| Audience & fit | ||
Experience level | Beginner, Intermediate | Beginner, Intermediate, Advanced |
Best for | — | — |
Categories covered | 5 | 5 |
Regions | North America | North America |
| Try it | Visit SoFi Invest | Visit TD Direct Investing |
Where each one shines
What SoFi Invest and TD Direct Investing each do best.ShowHide
Where each one shines
What SoFi Invest and TD Direct Investing each do best.What SoFi Invest does best
- 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.
What TD Direct Investing does best
- Canadian and U.S. stocks at $9.99 standard or $7 Active Trader pricing.
- Eligible stock and ETF partial-share trades for $1.99.
- Options, mutual funds, bonds, GICs and other fixed income.
- Cash, margin and major Canadian registered account types.
- WebBroker, TD mobile app, Advanced Dashboard and research tools.
Every detail we compared
Every tracked attribute for SoFi Invest and TD Direct Investing, side by side.ShowHide
Every detail we compared
Every tracked attribute for SoFi Invest and TD Direct Investing, side by side.| Attribute | ||
|---|---|---|
| Coverage & fit | ||
Asset types | StocksETFsOptionsMutual Funds | StocksETFsOptionsMutual FundsBonds |
Experience | BeginnerIntermediate | BeginnerIntermediateAdvanced |
Regions | North America | North America |
Coverage details | Identifiers: Ticker | Countries: CAIdentifiers: Ticker and CUSIP |
| Access & integrations | ||
Export formats | CSVPDF | CSVPDF |
| Plans & trust | ||
Vendor & support | SoFi Securities LLCCountry: United StatesSupport: Phone and Chat | TD Waterhouse Canada Inc.Country: CanadaSupport: Phone |
Green tags are exclusive to that tool in this comparison.
Questions we keep getting
What's the difference between SoFi Invest and TD Direct Investing?
SoFi Invest leans toward brokerage, portfolio, and watchlist, while TD Direct Investing puts more weight on brokerage, portfolio, and watchlist. They overlap in 5 categories, so for most people it comes down to workflow preference and price.
How much do SoFi Invest and TD Direct Investing cost?
Neither has a free plan; you'll need a paid subscription for the full feature set of either. Check each tool's current plan details before buying.
Which is better for beginners: SoFi Invest or TD Direct Investing?
Honestly, neither is aimed at beginners. Expect a learning curve either way; that's the trade-off for the depth they offer.
What asset classes do SoFi Invest and TD Direct Investing cover?
Both cover stocks, ETFs, options, and mutual funds. TD Direct Investing adds bonds on top.
Can I export data from SoFi Invest and TD Direct Investing?
Yes, both export to spreadsheets (CSV), which is handy if you like running your own numbers.
Can I track my portfolio with SoFi Invest or TD Direct Investing?
Yes, both do portfolio tracking: holdings, performance, and allocation in one place.
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Curation & Accuracy
This directory blends AI‑assisted discovery with human curation. Entries are reviewed, edited, and organized with the goal of expanding coverage and sharpening quality over time. Your feedback helps steer improvements (because no single human can capture everything all at once).
Details change. Pricing, features, and availability may be incomplete or out of date. Treat listings as a starting point and verify on the provider’s site before making decisions. If you spot an error or a gap, send a quick note and I’ll adjust.