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Automated Investing
Invest smarter
(not harder) with
robo investing.
Invest now
SoFi’s robo advisor provides the ease and expertise to help you reach your goals—whether you’re a novice investor, or looking to optimize your investments but lacking the time and resources.
Invest now
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Built by experts
Get portfolio recommendations built by SoFi and BlackRock experts based on the information you provide.
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Customize with ease
Easily change strategies to reflect your evolving objectives and preferences.
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Brokerage accounts and IRAs
Automate your investments in either an individual brokerage account or IRA.
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Access to financial planners
Meet virtually with an actual human financial planner for a 30-minute complimentary session.
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Why choose a
robo advisor?
Say you’ve got some cash you want to invest, but you don’t really have the time (or maybe comfort level) to oversee those investments yourself. Sure, investment advisors can help, but they’re expensive—and not many want to manage portfolios without large sums of money anyway. So what do you do?
Say hello to SoFi’s new robo advisor. It’s an automated investing service that picks and manages investments for you—just set your preferences and risk tolerance to get started. For 0.25% a year*, you’ll get the benefits of always-on automation and expert-curated recommendations, without lifting a finger.
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Choose from 3 custom portfolio themes.
Select from three portfolio themes to better match your goals, risk tolerance, and values.
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Classic
Performance driven • Balanced
• Made up of low-cost funds designed to grow your wealth.
• Ideal for investors seeking a traditional, diversified portfolio with a balance between growth and income.
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Classic with Alternatives
Strategic • Manage volatility
• Made up of alternative assets mixed with the Classic portfolio.
• Designed for investors looking to diversify beyond traditional asset classes.
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Sustainable
Socially responsible • Eco conscious
• Includes companies that demonstrate encouraging environmental, social, and governance characteristics.
• Ideal for those with moderate risk tolerance seeking to align their investments with their values.
View holdings
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Named “#1 Robo-Advisor of 2025”
by Barron’s
Barrons Best Robo Advisors 2025 results tabulated by Condor Capital Wealth Management (issued 8/21/25).
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Named “Best Robo Advisor for Low Costs 2025” by Bankrate
Rated by Bankrate Best Robo-Advisor for Low Costs 2025 (issued 12/11/24). Bankrate is a paid promoter of SoFi Wealth, but neither SoFi Wealth LLC nor its employees paid a fee in exchange for ratings.
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Awards or rankings are not indicative of future success or results. Neither SoFi Bank, N.A. nor its employees paid a fee in exchange for ratings.
Awards and ratings are independently determined and awarded by their respective publications.
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Get a portfolio recommendation in
five minutes—here’s how it works.
Let expert-driven automation do the heavy lifting—just answer a few questions to get a
personalized, expert-built portfolio recommendation for your brokerage or IRA account.
Complete your personal risk assessment.
Our robo advisor is designed to help you reach your goals—just tell us your goals, risk tolerance, and time horizon.
Fund your account.
Pick a sum to start with, whether it’s $50 or $50K—or, simply automate your deposits to invest consistently over time.
Sit back while we do the rest.
Our automation automatically handles ongoing monitoring, trading, automatic rebalancing, and other busy work to help you manage your portfolio long term.
Get my custom portfolio
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Built by experts, tailored to you.
Your portfolio is managed by SoFi’s investment committee (with over 100 years of combined industry experience) in partnership with experts from BlackRock.
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Liz is SoFi’s Head of Investment Strategy, responsible for providing economic and market insights to a variety of audiences.
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Brian Walsh, PhD, CFP®
Brian is SoFi’s Head of Advice and Planning, responsible for robo investing, financial planning, and personal finance education.
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Bill Tanona serves as Senior Vice President of Corporate Development and Strategic Partnerships at SoFi, providing planning, advisory, and execution leadership on mergers and acquisitions, strategic investments, and joint ventures.
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Linda is a senior advisor to SoFi, and the CEO and founder of Purview Investments, a SEC-registered investment advisor specializing in low-carbon and ESG global investing.
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Automate your deposits,
get a 1% match.
Consistent investing builds healthy financial habits. With SoFi, you can make it effortless: just set up recurring deposits once, and your robo advisor automatically invests them into your portfolio, aligned with your preferences. This pairs perfectly with your automated portfolio, letting you truly set it and forget it. And as a SoFi Plus member, get an unlimited 1% match on these deposits, paid out in cash that can be redeemed for cash in your Invest account.1
Invest now
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More investing insights and strategies.
Make more informed decisions with our stock trading education and insights. Learn about stocks and strategies that can help you grow as an investor.
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FAQs
What is robo investing?
Robo investing uses technology to recommend and manage expert built portfolios based on your unique financial situation. For more information on the idea of Robo Investing, read our
Robo Investing 101 Guide.
How does robo investing with SoFi work?
You will start by answering a few questions about your goal, timeline, comfort with risk, and preferences. Then we will recommend a portfolio from a carefully curated set of mutual funds and/or ETFs, based on that information. Therefore results are limited by your provided information. You can implement that recommendation or adjust it, and once you make a decision your investments will automatically be managed without you having to take any further action.
What’s the minimum amount I need to enroll in robo investing?
You only need $50 to get started with SoFi Robo Investing.
Can you lose money with robo investing?
While robo investing is a great way to automate your investing strategy, it’s not risk-free. The stock market can be volatile, and has its ups and downs. Our robo-advisor monitors your portfolio daily and automatically rebalances it as needed. As with all investing, Robo investing includes risk of total loss of principal.
What types of accounts are supported?
You can use SoFi Robo Investing with both individual brokerage accounts and retirement accounts, including Traditional, Roth, and SEP IRAs.
What is the fee associated with SoFi’s Robo Investing?
SoFi charges an annual advisory fee of 0.25%. The 0.25% fee is based on your account value. The wrap program fee may cost more or less than purchasing brokerage, custodial, and recordkeeping services separately.
How does SoFi personalize my portfolio?
SoFi customizes your portfolio based on your risk tolerance, financial goals, and time horizon. After a quick questionnaire, you’ll get a professionally managed portfolio aligned to your preferences.
What if I have questions or need help?
You’ll have access to SoFi’s team of licensed financial advisors at no additional cost, along with friendly customer support to help answer your questions.
Is robo investing a good idea?
Robo investing allows you to take a hands off approach to managing your investments by automating your portfolio management. Portfolios are built by experts, constantly monitored, rebalanced as needed, diversified, and typically much lower cost than working with a financial advisor. Some view the lack of human interaction as a potential downside, but here at SoFi, members have a 30-minute complimentary session with financial planners.
Please be advised, Robo is not for everyone. Some clients may have more complex needs, seek a broader range of investments or prefer in person interaction with advisors. Robo is designed for clients comfortable with online access.
Is robo investing the same as automated investing?
Yes. Robo investing is sometimes referred to as automated investing because technology does the work of managing your investments. It’s an algorithmic investing service that recommends pre-curated portfolios based on on your individual goals and preferences and does not consider assets or objectives outside of your stated goal. Rest assured, it’s not all about technology as our investment committee builds our portfolios with the support of BlackRock.
See more FAQs
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{/* Invest smarter not harder */}
Invest smarter
(not harder) with robo investing.
Take the headache out of investing with our new robo advisor— the uncomplicated, expert-built way to build a portfolio.
Invest now
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