SoFi Invest Review 2025
Banking, loans, and investing in one app. 2% IRA match with shortest vesting. Great for SoFi ecosystem, limited as standalone broker.
The Bottom Line
SoFi Invest makes sense if you're already in the SoFi ecosystem (banking, loans, credit card). The 2% IRA match with only 2-year vesting is actually attractive—shorter than Robinhood's 5 years.
As a standalone broker, it's basic. No options trading, limited research, and fewer features than dedicated platforms.
What SoFi Does Best
2% IRA Match (2-Year Vesting)
Lower percentage than Robinhood (3%) or Webull (3.5%), but the 2-year vesting is the shortest in the industry. If you might leave before 5 years, SoFi's faster vesting matters.
All-in-One Ecosystem
Banking (4.00% APY checking), student loan refinancing, personal loans, credit cards, and investing—all in one app. The integration is genuinely convenient.
Simplicity
Clean interface, easy to use. Good for beginners who don't want complexity.
Crypto Trading
Trade crypto alongside stocks. 30+ coins available.
Where SoFi Falls Short
No Options Trading
SoFi doesn't offer options at all. If you want options, look elsewhere.
Basic Tools
Minimal charting, limited research. Not for serious analysis.
Lower IRA Match
2% vs Robinhood's 3% or Webull's 3.5%. The faster vesting partially compensates, but you still get less free money.
Who Should Use SoFi
- SoFi banking/loan customers wanting one app
- IRA investors who want faster vesting
- Beginners who want simplicity
Who Should Look Elsewhere
- Options traders: SoFi doesn't offer them
- Active traders: Limited tools
- Maximizers: Higher IRA match elsewhere
The Verdict
SoFi Invest is a solid add-on for SoFi ecosystem users but not compelling as a standalone broker. The 2-year IRA vesting is its best feature. For most investors, Fidelity or Robinhood are better choices.