SoFi Invest Review August 2025

Commission-Free Trading: SoFi Invest offers zero-commission trades on stocks and ETFs, eliminating transaction costs that can eat into investment returns, especially for frequent traders.

Fractional Share Investing: The platform allows investors to purchase fractional shares of stocks, making it possible to invest in high-priced securities with smaller amounts of money, improving portfolio diversification options.

Dual Investment Approaches: SoFi offers both active investing (self-directed trading) and automated investing (robo-advisor) options on the same platform, providing flexibility based on investor preference and experience level.

Complimentary Financial Planning: SoFi provides access to certified financial planners at no additional cost to members, offering personalized guidance that many competing platforms charge extra for.

Integrated Financial Ecosystem: As part of SoFi's broader financial platform, the investment account integrates with banking, loans, and other financial products, potentially simplifying overall financial management.

Limited Advanced Trading Tools: The trading platform lacks sophisticated features like advanced charting, stock screeners, and in-depth research tools that experienced investors might require for complex analysis.

Restricted Investment Options: SoFi Invest offers a more limited range of investment products compared to full-service brokerages, with fewer options for bonds, mutual funds, and no access to futures or forex trading.

Transfer Delays Between Accounts: Users report experiencing delays when moving money between SoFi Invest and SoFi's banking products, which can be frustrating when trying to quickly fund trades or withdraw investment proceeds.