SoFi Invest vs Vanguard Comparison: Fees, Features, and More (2025)

SoFi Invest and Vanguard are two leading discount brokerages offering commission-free stock and ETF trading. Use this head-to-head comparison table to evaluate fees, features, trading tools, and account options to help you decide which broker is right for you in 2025.

Head-to-Head Comparison: SoFi Invest vs Vanguard (2025)
Feature SoFi Invest Vanguard
Website https://www.sofi.com/invest/ https://investor.vanguard.com/
Broker Type Discount Full-Service
Trading: Stock & ETF? Yes Yes
ETF & Stock commission No fee No fee
Fractional Shares? Yes No
Percent Allocations? No No
Crypto Trading? Yes No
Crypto Fees 1.25% not applicable
Options Trading? No Yes
Options Fee not applicable 0 to 100 cents
Bond Trading Available? No Yes
Pays for Order Flow (PFOF)? Yes No
Interface: Web trading? Yes Yes
Desktop trading? No No
API Trading? No No
Mutual Funds: Offered? No Yes
Total Mutual Funds Over 6,000 Over 3,000
NTF Mutual Funds Over 6,000 Over 1,800
Non-NTF Fund Fee not applicable $50
Early Redemption Fee? not applicable Yes
Redemption Hold (Days) not applicable 60 days
Early Redemption Fee not applicable $50
Accounts: Margin Accounts? Yes Yes
IRAs Offered? Yes Yes
HSAs Offered? No No
Money Market Sweep? No Yes
CDs Offered? Yes Yes
Robo-Advisor: Offered Yes Yes
Robo-Advisor Service SoFi Automated Investing Vanguard Digital Advisor
Robo-Advisor Fes 0.00% to 0.25% 0.20% to 0.25%
Basics: Headquarters San Francisco, CA Valley Forge, PA
Year Founded 2011 1975
Clearing Firm Apex Clearing Vanguard Brokerage Services
Local Branches? No Yes, about 5 locations
New Account Minimum $0 $0

Once you’ve chosen a broker, find high-performing, investable model portfolios at RecipeInvesting.com


Compare SoFi Invest to All Brokers