SoFi Invest IRA review

SoFi suits savers who like Robinhood's match idea but do not want to pay a subscription. Its IRA page offers a 1% match on IRA contributions and 401(k) rollovers, $0 commissions on stocks and ETFs, and options trading inside the IRA. You can pick your own investments or let SoFi's robo-advisor build and manage the portfolio, and every member can book a complimentary 30-minute session with a SoFi Financial Planner. Matches require a 5-year holding period and SEP IRAs are excluded. SoFi trails Robinhood on value because Robinhood offers the same 1% for free and 3% with Gold, and it trails the big brokers on quality because its Roth IRA page says less about fund choice and research.

Who it is for

savers who want a match without a subscription and planner access

Price

$0 commissions on stocks and ETFs; 1% match on contributions and rollovers.

Reimagine your retirement with a 1% match on IRA contributions and 401(k) rollovers—no employer plan is necessary.
Quoted from the vendor pricing page on November 13, 2026.

Key features

• 1% match on IRA contributions and 401(k) rollovers
• $0 commissions on stocks and ETFs
• Options trading available inside the IRA
• Self-directed or robo-advisor managed IRA
• Complimentary 30-minute session with a SoFi Financial Planner

Strengths and weaknesses

• Strength: 1% match with no subscription fee
• Strength: Free 30-minute session with a financial planner
• Strength: Choose self-directed or automated investing
• Weakness: 5-year holding period required for matched funds
• Weakness: SEP IRAs are excluded from the match
• Weakness: Smaller fund menu emphasis than Fidelity, Schwab or Vanguard

Key facts

• Match: 1% on contributions and 401(k) rollovers
• Stock and ETF trades: $0 commission
• Advice: Free 30-minute planner session
• Holding period: 5 years

Where it ranks

SoFi Invest IRA is No. 7 in our Best Roth Ira Providers verdict.