SoFi Robo Investing
SoFi Robo Investing charges a 0.25% annual fee with a low $50 minimum and access to SoFi financial planners. The fee and minimum come from NerdWallet, our verified data partner with direct provider relationships — a low-cost, hands-off way to invest in a diversified portfolio.
Is the SoFi Robo Investing worth it?
SoFi Robo Investing charges a 0.25% annual fee with a low $50 minimum and access to SoFi financial planners. We source the fee and minimum from NerdWallet, our verified data partner with direct provider relationships. These figures carry our ◆ Partner data label — we did not pull them from the provider ourselves.
A robo-advisor builds and rebalances a diversified portfolio for you, which suits hands-off investors. The honest caveats: the fee and terms are partner-supplied and can change, and unlike a bank deposit, invested money is not FDIC-insured and can lose value. Confirm current pricing on the provider’s own site. This is not investment advice.
How does a robo-advisor work?
A robo-advisor builds and automatically rebalances a diversified portfolio of low-cost funds based on your goals and risk tolerance. You pay an annual management fee, quoted as a percentage of your balance. Investments are not FDIC-insured and can lose value.
What are the pros and cons of the SoFi Robo Investing?
The SoFi Robo Investing stands out for 0.25% management fee (annual management fee), though fee and terms are partner-supplied — not fetched from the provider ourselves.
- 0.25% management fee (annual management fee)
- A $50 account minimum
- Fee and terms supplied by our verified data partner
- Fee and terms are partner-supplied — not fetched from the provider ourselves
- Investments are not FDIC-insured and can lose value
- Less control than managing your own portfolio
Who should get the SoFi Robo Investing?
The SoFi Robo Investing is best for hands-off investors who want automated portfolio management.
- Hands-off investors who want automated portfolio management
- Beginners who want a low minimum to start
- Anyone comparing robo-advisor fees
How does the SoFi Robo Investing compare?
Among the 6 robo-advisors we track, the SoFi Robo Investing ranks #5 with a money8020 score of 84/100.
| Product | Score | Tier | Provider |
|---|---|---|---|
| Fidelity Go® | 99 | Essential | Fidelity |
| Vanguard Digital Advisor | 97 | Essential | The Vanguard Group |
| Betterment | 94 | Essential | Betterment |
| Wealthfront | 85 | Strong | Wealthfront |
| SoFi Robo Investing | 84 | Strong | SoFi |
See all robo-advisors, ranked →
Common mistakes to avoid with a robo-advisor
- Reacting to market dips by pulling out — the strategy depends on staying invested.
- Overlooking fund expense ratios that stack on top of the management fee.
- Expecting FDIC protection — investments can lose value.
- Picking on fee alone without checking tax-loss harvesting and planning features.
Key takeaways
- SoFi Robo Investing earns a money8020 score of 84/100, ranking #5 of 6 robo-advisors.
- 0.25% management fee (annual management fee)
- undefined.
- Best for hands-off investors who want automated portfolio management.
- Rate and terms sourced from our verified data partner, NerdWallet.
Frequently asked questions about the SoFi Robo Investing
What does SoFi Robo Investing charge?
Per NerdWallet, our data partner, SoFi Robo Investing charges a 0.25% annual fee with a low $50 minimum and access to SoFi financial planners. Fees and terms can change — confirm current pricing on the provider's site. This is not investment advice.
Is SoFi Robo Investing a good fit for beginners?
With a $50 account minimum, it is accessible to new investors who want a managed portfolio. Investments can lose value; this is not investment advice.
Is money in the SoFi Robo Investing insured?
Investments are not FDIC-insured and can lose value. Brokerage assets are typically SIPC-protected if the firm fails, but SIPC does not cover investment losses.
Can I lose money with the SoFi Robo Investing?
Yes. A robo-advisor invests in market securities, so your balance rises and falls with the markets. It suits goals where you can stay invested through ups and downs.
Sources
We sourced these figures from our verified data partner and independently confirmed the provider’s regulator status, last checked May 30, 2026. Primary sources: