Inflation is taking a toll on employees’ financial wellness, making budgeting and financial planning tools more important than ever. Here’s how HR pros can help.
Read moreThe DoorDash Gift Card Offer (the “Offer”) begins at 12:00:00 PM Eastern Time (“ET”) on 05/19/2025 and ends at 11:59:59 ET on 12/31/2025 (“Promotion Period”) or whenever the final gift card is claimed, whichever is sooner. Open to any employee or member of a SoFi at Work dashboard partner who is a legal resident (physically located) in the 50 United States and the District of Columbia, age 18 or older, and to whom the Offer is specifically addressed. Sponsor: Social Finance, LLC 234 1st Street, San Francisco, CA 94105 (“SoFi” and “Sponsor”). SoFi may change or terminate this offer at any time without notice to you.
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Packed with brand new benefits, like the NEW SoFi Smart
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5$1,000 value: See assumptions and details below, value is not guaranteed and varies depending on benefits used. Terms apply.
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This game-changing charge card is secured by your SoFi Checking and Savings and has no hard credit pull to apply.
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All the rewards of the NEW Smart Card are included with your SoFi Plus subscription of just $10/month6.
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Save $6,000 and earn $220 in interest with our highest APY on SoFi Bank savings.
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1$1,000 value: See assumptions and details below, value is not guaranteed and varies depending on benefits used. Terms apply.
The estimated value of a meeting with our financial planners is based on SoFi’s competitive assessment of similar offerings. See full terms below.
SoFi Plus members are eligible for a one-time discount on loans originated by SoFi Bank of $1,000 off the standard origination fee for home purchase or refinance mortgages. See full terms below.
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Double your match with SoFi Plus. Get a 1% match on your IRA contributions, plus an extra 1% cash match8 on all your recurring SoFi Invest® deposits.
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13Customer must fund their Active Invest account with at least $50 within 45 days of opening the account. Receive a minimum of $10. Probability of member receiving $2,000 is a probability of 0.026% If you don’t make a selection in 45 days, you’ll no longer qualify for the promo. Percentages for the $2,000 are subject to decrease. See full terms and conditions.
No brands or products mentioned are affiliated with SoFi, nor do they endorse or sponsor this offer. Third party trademarks referenced herein are property of their respective owners.
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10% boost on cash back rewards earned through select SoFi Credit Cards14
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{/*Sofi Options LP 10/1/25*/}
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If you’re looking to generate potential income from investments and help reduce risk2, online options trading with SoFi Invest® could be the right choice.
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Get started
1Options involve risk and are not suitable for all investors. Please read the Characteristics and Risks of Standardized
Options before engaging in options trading.
2Check out the OCC Options Disclosure Document.
Best for no options contract fees for Sept 2025§
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Based on SoFi Members. This claim may not be representative of the experience of all other customers. | Updated: 11/14/2024
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Options give investors the flexibility to invest based on whether they think
a stock is going up—or down. See our Options 101 guide for more.
Investors could use options trading to try to get more out of assets or cash they already hold.
Options could support investor goals to manage downside risk, like a safety net against falling prices.
Options aren’t for everyone. But there could be a strategy that meets your goals for next-level trading.
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Focus on trades, not contract fees—SoFi doesn’t have them. Other fees may apply. But not commissions.
Our intuitive website and mobile app are upgrading with simpler onboarding, real-time pricing, and more.
Available Now: We’re upgrading our app to provide strategies that could help support investors with income-generation goals.
Our Options 101 guide and SoFi Learn articles could help you understand basic strategies before you start trading.
Get started
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SoFi Invest® will soon expand options trading, offering access to Level 1 strategies in addition to current Level 2 availability. Approved investors can access all levels at once, all in our easy-to-use app.
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SoFi Invest® online options trading has no contract fees and no commissions. Plus, our in-app coaching resources, tools, and real-time pricing can help you choose your strategy and make informed decisions.
Other fees may apply—see a full list here. Information is from competitor websites as of September 2025. Consider the full range of services offered by all firms before making a decision.
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Finding organized resources for options trading can be tough. Consider our educational content hub your one-stop-shop for all things options.
Learn more
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When buying options (like long calls or long puts), the maximum loss is limited to the premium paid for the option. This allows investors to participate in movement of the market that may be in their favor, while the loss is limited to the premium paid.
We’re required to evaluate whether various levels of options strategies are appropriate for members, based on information such as trading experience, investment objectives, risk tolerance, and financial situation. Different brokerages are able to set specific parameters (e.g., account equity) based on their discretion. If you’re approved to trade options at SoFi, you can execute covered calls, cash secured puts, long calls and long puts.
You can reapply after 7 days if you believe you made a mistake in answering the questions. If you apply for a second time and do not get approved again, you must wait 90 days before applying for a third time.
There are several option trading levels, each of which allows additional access to various forms of options trading based on the experience, risk tolerance and investment objectives. Option levels are an industry standard way to determine how much risk a client should be allowed to take, with level 1 being lower risk strategies and higher levels having riskier options.
SoFi currently supports level 2 options execution, which means you can buy long calls and long puts, and sell to close positions. All approved accounts are assigned to level 2 options strategies by default. Level 1 capabilities (selling covered calls and cash secured puts) are coming soon and will automatically be added as soon as they are available.
Level 1: covered calls and cash secured puts
Trading level 1 is the lowest level and it typically only permits two types of trades: a covered call sold against a long stock position in your account and a cash secured put to sell a position, while setting aside enough cash to buy the underlying stock.
Level 2: long options
Trading level 2 adds the ability to buy call options and put options. This is typically the level that most beginners are allowed to start with.
The key difference between level 1 and level 2 is that traders are able to make directional bets with level 2. And since they can only buy and not write options, a trader’s risk is limited to only the money used when buying the options.
1. Log in to your SoFi account, navigate to the Invest tab, and select your Individual active invest account.
2. Tap the magnifying glass to search.
3. Tap “Trade” on the detail page for the stock or ETF.
4. Tap “Trade options” and use the option chain search to view information about marketable options for a security.
There are many things to consider when choosing an option:
■ The expiration date is displayed just below the strategy and underlying security. You can scroll right to see expirations further into the future.
■ The strike prices are listed high to low—and you can scroll up or down to see different strike prices.
■ The break-even point is where the underlying security needs to trade at expiration for you to break even on your investment, taking into account the current value (premium) of the option.
■ The break-even percentage is the percentage change the underlying security would need to move for you to break even on the option at expiration.
■ The premium (price) is listed on the right of your screen.
■What’s the price? The value shown is the mark price (see below).
In addition to the above options characteristics, you should consider other elements such as your market outlook and risk tolerance when selecting an options contract.
When you buy a call, you pay the option premium in exchange for the right to buy shares at a fixed price (strike price) on or before a certain date (expiration date). Investors often buy calls when they are bullish on a stock or (other security) because it offers leverage.
You should always research the security and consider the amount of premium outlay, the strike price, and the expiration (as the longer the time to expiration, the higher the option premium). When buying a call there is unlimited upside potential, and the premium (price) paid for the option is the maximum you can lose.
Buying a put option is used to express a bearish view (which means you expect the stock price to fall below the strike price).
A put option gives the buyer the right to sell an underlying asset at a specified price on or before a certain date. Buying a put option is used to express a bearish view (which means you expect the stock price to fall below the strike price). Keep in mind that the maximum loss being the premium paid for the option.
You can visit our Support Center Articles here to learn more about Options here.
See all FAQs
Trading options online with SoFi means no commissions or contract fees (other fees may apply). And our redesign gives you more possibilities based on your experience and risk tolerance—all on one simple, powerful app.
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