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Our members have paid off more than $33B
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The savings and experiences of members herein may not be representative of the experiences of all members.
Savings are not guaranteed and will vary based on your unique situation and other factors.

Fixed rates from 8.74% APR to 35.49% APR reflect the 0.25% autopay interest rate discount and a 0.25% direct deposit interest rate discount. SoFi rate ranges are current as of 12/21/25 and are subject to change without notice. The average of SoFi Personal Loans funded in 2023 was around $33K. Not all applicants qualify for the lowest rate. Lowest rates reserved for the most creditworthy borrowers. Your actual rate will be within the range of rates listed and will depend on the term you select, evaluation of your creditworthiness, income, and a variety of other factors.

Cruising Altitude

Remember in 2022 when Federal Reserve Chair Jerome Powell warned that getting the economy back into balance would involve some economic pain? The road since has been long and winding, but two years later we’ve managed to avoid a recession (knock on wood). While interest rates rose significantly, hard landing fears never became reality, and the economy found a bit of a sweet spot. That’s a big reason why stocks have been able to rise nearly 70% since their cycle bottom in October 2022.

With just one month left to go in this whirlwind of a year, it might be a good idea to catch our breath and evaluate the state of play.

Labor Bedrock

The main driver of the U.S. economy is consumer spending, with the labor market as the backbone. More jobs drives more income, more income drives spending, more spending drives economic growth – so the story goes. While the monthly jobs report is probably the single best data point we can use to judge how the labor market is doing, this note will be published before we get the report for November. Still, there are other indicators we can use to get a feel for the employment backdrop.

We already got some data this week in the form of the Job Openings and Labor Turnover Survey (JOLTS). JOLTS showed an increase in job openings and quits rates, breaking a recent downward trend, though hiring rates remained low.

On the other hand, there are some conflicting signals. For instance, initial jobless claims have been falling (suggesting labor strengthening), yet continuing claims are at their highest levels in three years (suggesting labor weakness). Additionally, we also got ISM Purchasing Managers’ Indexes (PMIs), which showed nuanced differences between sectors. The manufacturing survey showed employment improvement while the services survey showed cooling. But really, what the data shows more than anything is low labor churn and a market that has simply stabilized.

Price Pressure Valve

Inflation remains a focal point of analysis for investors and the Fed. The current trajectory still shows gradual moderation, though the process has been slower than some anticipated and has even stalled of late. The main reasons for the stickiness are slow-moving components like shelter and auto insurance, which are keeping the broader inflation measures above target.

Just like the PMIs gave conflicting signals on the employment front, the surveys’ price signals are also muddied. The manufacturing survey showed a downside surprise to price pressures, while the services survey showed input costs were more sticky than expected. Given that Fed officials are debating whether to slow the pace of interest rate cuts, conflicting inflation signals could push them to lean on the side of caution and end the cutting cycle earlier than expected. That would put a floor beneath Treasury yields and could drive some upside yield volatility in the meantime.

Smooth Sailing

Most data points to strong growth momentum: Consumer confidence is improving, the new orders components for both manufacturing and services PMIs remain in positive territory, and vehicle sales surprised to the upside. Even looking back on the recent earnings season, earnings growth came in nearly 8% above consensus estimates. It should come as no surprise then that GDP growth is tracking toward another above-trend quarter, which would make it the eighth such quarter in the last nine.

As such, stocks have been able to do well and Treasury yields have remained elevated given these resilient economic fundamentals. And given how stable the macro backdrop has been, betting on a big shift in market dynamics right now might not be the right move. The upward momentum status quo could be with us for a while longer. Stay vigilant.

Communication of SoFi Wealth LLC an SEC Registered Investment Adviser. Information about SoFi Wealth’s advisory operations, services, and fees is set forth in SoFi Wealth’s current Form ADV Part 2 (Brochure), a copy of which is available upon request and at www.adviserinfo.sec.gov. Mario Ismailanji is a Registered Representative of SoFi Securities and Investment Advisor Representative of SoFi Wealth. His ADV 2B is available at www.sofi.com/legal/adv.

photocredits: iStock/SOMKID THONGDEE

OTM2024120601

Company Expands Access to Include Three New Funds in Response to Increasing Interest in Alternative Asset Classes from Retail Investors, Broadening Private Market Exposure

SAN FRANCISCO – December 4, 2024 – Today, SoFi (SOFI), a member-centric, one-stop shop for digital financial services that helps members borrow, save, spend, invest and protect their money, announced access to three new private market funds through a relationship with Templum, which operates Templum One, a purpose-built platform for seamlessly accessing and transacting in private alternatives: The Cosmos Fund (with sole exposure to SpaceX) along with two additional private equity funds Pomona Investment Fund, and StepStone Private Markets Fund. 

In a recent survey of five thousand retail investors, SoFi found that more than 87% of investors have an interest in investing in privately held companies. And when asked to review a list of the top 10 most valuable privately held companies, Open AI, SpaceX, and Epic Games ranked as the top three1 , validating an increasing interest across a broad investor audience.

“Historically, the retail investor community has had few opportunities to invest in privately held companies, but we firmly believe in broadening access to potentially valuable opportunities,” said Anthony Noto, CEO of SoFi. “Today marks yet another milestone on our path to helping SoFi members achieve financial independence by giving them an opportunity to invest in some of today’s most sought after privately held companies.”

“These private alternative asset offerings represent an exciting step in our partnership with SoFi, enabling their members to access a broader range of investment strategies,” said Chris Pallotta, CEO and Founder of Templum. “Templum’s technology, compliance-focused framework, and deep expertise in alternatives enable us to bring some of the most sought-after private investments to a new generation of investors.”

  Today’s news marks the latest innovation SoFi has taken to empower its members with expanded access to diverse investment opportunities, including: its early 2024 launch of alternative funds on the SoFi Invest platform, a new SoFi Robo Investing offering – announced last month – and now,  an expanded selection of alternative funds.

SoFi Invest members who are interested in learning more about accessing Templum’s offerings of  the Cosmos Fund (with sole exposure to SpaceX), Pomona Investment Fund, and the StepStone Private Markets fund can find information in the Invest section of the SoFi App. At this time, these investments are limited to accredited investors. 

About SoFi

SoFi (NASDAQ: SOFI) is a member-centric, one-stop shop for digital financial services on a mission to help people achieve financial independence to realize their ambitions. The company’s full suite of financial products and services helps 9.4 million SoFi members borrow, save, spend, invest, and protect their money better by giving them fast access to the tools they need to get their money right, all in one app. SoFi also equips members with the resources they need to get ahead – like credentialed financial planners, exclusive experiences and events, and a thriving community – on their path to financial independence.

SoFi innovates across three business segments: Lending, Financial Services – which includes SoFi Checking and Savings, SoFi Invest, SoFi Credit Card, SoFi Protect, and SoFi Insights – and Technology Platform, which offers the only end-to-end vertically integrated financial technology stack. SoFi Bank, N.A., an affiliate of SoFi, is a nationally chartered bank, regulated by the OCC and FDIC and SoFi is a bank holding company regulated by the Federal Reserve. The company is also the naming rights partner of SoFi Stadium, home of the Los Angeles Chargers and the Los Angeles Rams. For more information, visit SoFi.com or download our iOS and Android apps.

INVESTMENTS ARE NOT FDIC INSURED • ARE NOT BANK GUARANTEED • MAY LOSE VALUE

SoFi Securities, LLC (“SoFi Invest”) has a referral arrangement with Templum Markets, LLC (“Templum”), allowing eligible SoFi Invest members to access certain special purpose vehicles (“SPVs”) and private investment funds through Templum. Templum charges a purchase fee of up to 6% for SPVs and up to 3.5% for funds. In this arrangement, Templum compensates SoFi Invest with 20-50% of the purchase fees Templum charges to SoFi Invest members who open a Templum account and invest through Templum. SoFi Invest is not affiliated with Templum and makes no endorsement of Templum’s products or services, but the compensation that SoFi Invest receives from Templum is a conflict of interest and creates an incentive for SoFi Invest to refer its members to Templum. Investing in securities involves a high degree of risk, including possible loss of your entire investment, and there is no guarantee of liquidity in any given security notwithstanding such security being listed on the Templum Markets Alternative Trading System. Securities are offered by and through Templum Markets, LLC (Members FINRA and SIPC). Templum Markets, LLC is wholly owned by Templum, Inc.

About Templum

Templum’s scalable infrastructure solutions are transforming access, processes and investment choice in alternative assets, making them as easy to invest in as public markets. Templum operates three core business lines:

• Templum One is an innovative global ecosystem for private markets that connects alternative and private market issuers with a growing network of partners who want to offer their end investors access to the world’s most sought-after private assets. 
• Templum Marketplace Solutions enable private issuers and asset managers to automate processes, integrate siloed operations, and accelerate time-to-market. 
• Templum Applications Suite provides essential solutions to optimize back office and operational processes, saving businesses time, money and resources.

All securities offered by Templum Markets LLC., a wholly owned broker-dealer and Alternative Trading System (ATS) subsidiary of Templum, Inc., which is approved to operate in 53 U.S. states and territories. For more information, please visit www.templuminc.com.