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Portfolios",{"type":18,"attrs":1058,"content":1059},{"textAlign":34},[1060],{"text":1061,"type":22},"Advisory/management fee\tCharges an annual advisory fee of 0.25%.\tNo advisory fees.",{"type":18,"attrs":1063,"content":1064},{"textAlign":34},[1065],{"text":1066,"type":22},"Commission\tNo commissions.\tNo commissions.",{"type":18,"attrs":1068,"content":1069},{"textAlign":34},[1070],{"text":1071,"type":22},"Expense ratios (ETF costs)\tETFs in the portfolio may have management fees, which are paid directly to the fund.\tInvestors pay the operating expenses of ETFs in the portfolio.",{"_uid":1073,"data":1074,"component":783},"15e12d13-3855-40cb-bdd8-01787828220e",{"type":15,"content":1075},[1076,1100,1109],{"type":18,"attrs":1077,"content":1078},{"textAlign":34},[1079,1084,1095],{"text":1080,"type":22,"marks":1081},"SoFi uses a straightforward pricing model with a ",[1082],{"type":129,"attrs":1083},{"color":773},{"text":1085,"type":22,"marks":1086},"0.25%",[1087,1090,1093],{"type":31,"attrs":1088},{"href":1089,"uuid":34,"anchor":34,"target":34,"linktype":36},"https://www.sofi.com/invest/automated/",{"type":129,"attrs":1091},{"color":1092},"#0000FF",{"type":1094},"underline",{"text":1096,"type":22,"marks":1097}," advisory fee plus ETF costs, making it simple but relatively higher cost for investors. Charles Schwab has no advisory and commission fees, leaving only ETF expenses, which makes it more cost-effective for those primarily focused on lower costs.",[1098],{"type":129,"attrs":1099},{"color":773},{"type":764,"attrs":1101,"content":1102},{"level":766,"textAlign":34},[1103],{"text":1104,"type":22,"marks":1105},"SoFi vs Charles Schwab: What are the minimum account sizes?",[1106,1108],{"type":129,"attrs":1107},{"color":773},{"type":38},{"type":18,"attrs":1110,"content":1111},{"textAlign":34},[1112],{"text":1113,"type":22,"marks":1114},"SoFi and Charles Schwab have very different entry requirements. SoFi is designed to be highly accessible, with a low minimum to get started, while Charles Schwab sets higher thresholds for its robo-advisor and adds an even higher minimum for clients who want premium planning support. The table below outlines the minimum account sizes for each service.",[1115],{"type":129,"attrs":1116},{"color":773},{"_uid":1118,"caption":12,"content":1119,"component":804,"show_search":543,"paste_content":1133,"number_of_rows":837,"show_pagination":543,"hide_heading_row":543,"search_placeholder":12,"first_col_to_headings":543},"e473adaf-f614-4ea5-bafa-8b98bbdd72cb",{"tbody":1120,"thead":1128,"fieldtype":803},[1121],{"_uid":1122,"body":1123,"component":796},"437f3ac8-05bd-4bc7-a0bc-97e2693ff107",[1124,1126],{"_uid":1125,"value":12,"component":793},"813a94e6-68b9-4733-8432-447ad744ad87",{"_uid":1127,"value":12,"component":793},"b35be892-d8c8-4d3b-a6d5-ef2bb4b2afa9",[1129,1131],{"_uid":1130,"value":12,"component":800},"84f2b767-6531-43d5-ae8a-4ea0670c742b",{"_uid":1132,"value":12,"component":800},"81d1fd6d-680b-4e7f-a191-111cb8ecd67e",{"type":15,"content":1134},[1135,1140,1145,1150],{"type":18,"attrs":1136,"content":1137},{"textAlign":34},[1138],{"text":1139,"type":22},"Provider\tService level\tMinimum\tNotes",{"type":18,"attrs":1141,"content":1142},{"textAlign":34},[1143],{"text":1144,"type":22},"SoFi Automated Investing\tStandard robo-advisor\t$50\tNo premium or advisor-led tiers",{"type":18,"attrs":1146,"content":1147},{"textAlign":34},[1148],{"text":1149,"type":22},"Charles Schwab\tIntelligent Portfolios\t$5,000\tNo advisory fees or commissions",{"type":18,"attrs":1151,"content":1152},{"textAlign":34},[1153],{"text":1154,"type":22},"Charles Schwab\tIntelligent Portfolios Premium\t$25,000\tIncludes CFP access, $300 planning fee, $30/month",{"_uid":1156,"data":1157,"component":783},"3b7d39a1-0780-409a-8553-bd3db41f0b89",{"type":15,"content":1158},[1159,1168,1176,1184,1232,1240,1274,1282,1347,1355,1421,1430,1438,1446,1454,1463,1471,1479,1487,1495,1518],{"type":764,"attrs":1160,"content":1161},{"level":766,"textAlign":34},[1162],{"text":1163,"type":22,"marks":1164},"SoFi vs Charles Schwab: The pros and cons",[1165,1167],{"type":129,"attrs":1166},{"color":773},{"type":38},{"type":18,"attrs":1169,"content":1170},{"textAlign":34},[1171],{"text":1172,"type":22,"marks":1173},"SoFi Automated Investing and Schwab Intelligent Portfolios take different approaches to robo-advising. SoFi emphasizes accessibility and planner access with a low minimum and a modest advisory fee, while Schwab removes advisory fees but requires higher balances to unlock its full feature set. Below is a breakdown of the key pros and cons of each platform.",[1174],{"type":129,"attrs":1175},{"color":773},{"type":764,"attrs":1177,"content":1178},{"level":861,"textAlign":34},[1179],{"text":1180,"type":22,"marks":1181},"Pros of SoFi Automated Investing",[1182],{"type":129,"attrs":1183},{"color":773},{"type":869,"content":1185},[1186,1202,1217],{"type":872,"content":1187},[1188],{"type":18,"attrs":1189,"content":1190},{"textAlign":34},[1191,1197],{"text":1192,"type":22,"marks":1193},"Low minimum to get started:",[1194,1196],{"type":129,"attrs":1195},{"color":773},{"type":38},{"text":1198,"type":22,"marks":1199}," Investors can open an account with as little as $50, making SoFi accessible to beginners.",[1200],{"type":129,"attrs":1201},{"color":773},{"type":872,"content":1203},[1204],{"type":18,"attrs":1205,"content":1206},{"textAlign":34},[1207,1212],{"text":878,"type":22,"marks":1208},[1209,1211],{"type":129,"attrs":1210},{"color":773},{"type":38},{"text":1213,"type":22,"marks":1214}," Portfolios are built with ETFs and automatically rebalanced to stay aligned with investor goals.",[1215],{"type":129,"attrs":1216},{"color":773},{"type":872,"content":1218},[1219],{"type":18,"attrs":1220,"content":1221},{"textAlign":34},[1222,1227],{"text":910,"type":22,"marks":1223},[1224,1226],{"type":129,"attrs":1225},{"color":773},{"type":38},{"text":1228,"type":22,"marks":1229}," Clients are offered a complimentary 30-minute virtual session with a financial planner.",[1230],{"type":129,"attrs":1231},{"color":773},{"type":764,"attrs":1233,"content":1234},{"level":861,"textAlign":34},[1235],{"text":1236,"type":22,"marks":1237},"Cons of SoFi Automated Investing",[1238],{"type":129,"attrs":1239},{"color":773},{"type":869,"content":1241},[1242,1258],{"type":872,"content":1243},[1244],{"type":18,"attrs":1245,"content":1246},{"textAlign":34},[1247,1253],{"text":1248,"type":22,"marks":1249},"Annual advisory fee:",[1250,1252],{"type":129,"attrs":1251},{"color":773},{"type":38},{"text":1254,"type":22,"marks":1255}," SoFi charges a 0.25% annual advisory fee, which increases total costs.",[1256],{"type":129,"attrs":1257},{"color":773},{"type":872,"content":1259},[1260],{"type":18,"attrs":1261,"content":1262},{"textAlign":34},[1263,1269],{"text":1264,"type":22,"marks":1265},"Underlying ETF expenses apply:",[1266,1268],{"type":129,"attrs":1267},{"color":773},{"type":38},{"text":1270,"type":22,"marks":1271}," Clients also pay the operating expenses of ETFs held in the portfolio.",[1272],{"type":129,"attrs":1273},{"color":773},{"type":764,"attrs":1275,"content":1276},{"level":861,"textAlign":34},[1277],{"text":1278,"type":22,"marks":1279},"Pros of Schwab Intelligent Portfolios",[1280],{"type":129,"attrs":1281},{"color":773},{"type":869,"content":1283},[1284,1300,1316,1332],{"type":872,"content":1285},[1286],{"type":18,"attrs":1287,"content":1288},{"textAlign":34},[1289,1295],{"text":1290,"type":22,"marks":1291},"No advisory or commission fees:",[1292,1294],{"type":129,"attrs":1293},{"color":773},{"type":38},{"text":1296,"type":22,"marks":1297}," Schwab charges $0 in advisory fees, reducing ongoing costs.",[1298],{"type":129,"attrs":1299},{"color":773},{"type":872,"content":1301},[1302],{"type":18,"attrs":1303,"content":1304},{"textAlign":34},[1305,1311],{"text":1306,"type":22,"marks":1307},"Daily monitoring and rebalancing:",[1308,1310],{"type":129,"attrs":1309},{"color":773},{"type":38},{"text":1312,"type":22,"marks":1313}," Portfolios are automatically monitored and rebalanced.",[1314],{"type":129,"attrs":1315},{"color":773},{"type":872,"content":1317},[1318],{"type":18,"attrs":1319,"content":1320},{"textAlign":34},[1321,1327],{"text":1322,"type":22,"marks":1323},"Tax-loss harvesting availability:",[1324,1326],{"type":129,"attrs":1325},{"color":773},{"type":38},{"text":1328,"type":22,"marks":1329}," Eligible taxable accounts can use tax-loss harvesting to help manage taxes.",[1330],{"type":129,"attrs":1331},{"color":773},{"type":872,"content":1333},[1334],{"type":18,"attrs":1335,"content":1336},{"textAlign":34},[1337,1342],{"text":983,"type":22,"marks":1338},[1339,1341],{"type":129,"attrs":1340},{"color":773},{"type":38},{"text":1343,"type":22,"marks":1344}," Investors have access to live support at any time.",[1345],{"type":129,"attrs":1346},{"color":773},{"type":764,"attrs":1348,"content":1349},{"level":861,"textAlign":34},[1350],{"text":1351,"type":22,"marks":1352},"Cons of Schwab Intelligent Portfolios",[1353],{"type":129,"attrs":1354},{"color":773},{"type":869,"content":1356},[1357,1373,1389,1405],{"type":872,"content":1358},[1359],{"type":18,"attrs":1360,"content":1361},{"textAlign":34},[1362,1368],{"text":1363,"type":22,"marks":1364},"Higher minimum investment:",[1365,1367],{"type":129,"attrs":1366},{"color":773},{"type":38},{"text":1369,"type":22,"marks":1370}," A $5,000 minimum is required to open an account.",[1371],{"type":129,"attrs":1372},{"color":773},{"type":872,"content":1374},[1375],{"type":18,"attrs":1376,"content":1377},{"textAlign":34},[1378,1384],{"text":1379,"type":22,"marks":1380},"ETF expenses still apply:",[1381,1383],{"type":129,"attrs":1382},{"color":773},{"type":38},{"text":1385,"type":22,"marks":1386}," Clients pay the operating expenses of ETFs in their portfolios.",[1387],{"type":129,"attrs":1388},{"color":773},{"type":872,"content":1390},[1391],{"type":18,"attrs":1392,"content":1393},{"textAlign":34},[1394,1400],{"text":1395,"type":22,"marks":1396},"Premium tier adds cost:",[1397,1399],{"type":129,"attrs":1398},{"color":773},{"type":38},{"text":1401,"type":22,"marks":1402}," Schwab Intelligent Portfolios Premium requires $25,000, plus a $300 planning fee and $30 monthly charge.",[1403],{"type":129,"attrs":1404},{"color":773},{"type":872,"content":1406},[1407],{"type":18,"attrs":1408,"content":1409},{"textAlign":34},[1410,1416],{"text":1411,"type":22,"marks":1412},"Tax-loss harvesting thresholds:",[1413,1415],{"type":129,"attrs":1414},{"color":773},{"type":38},{"text":1417,"type":22,"marks":1418}," Tax-loss harvesting generally requires at least $50,000 in invested assets.",[1419],{"type":129,"attrs":1420},{"color":773},{"type":764,"attrs":1422,"content":1423},{"level":766,"textAlign":34},[1424],{"text":1425,"type":22,"marks":1426},"SoFi vs Charles Schwab: Technology and security",[1427,1429],{"type":129,"attrs":1428},{"color":773},{"type":38},{"type":18,"attrs":1431,"content":1432},{"textAlign":34},[1433],{"text":1434,"type":22,"marks":1435},"SoFi and Charles Schwab both provide secure digital access and standard investor protections, but their platforms are structured differently.",[1436],{"type":129,"attrs":1437},{"color":773},{"type":18,"attrs":1439,"content":1440},{"textAlign":34},[1441],{"text":1442,"type":22,"marks":1443},"SoFi Automated Investing is accessed through a single web and mobile app that integrates investing with SoFi’s banking and lending tools. Accounts are protected by SIPC coverage up to $500,000, including $250,000 for cash, and the service is overseen by SoFi Wealth as an SEC-registered investment advisor.",[1444],{"type":129,"attrs":1445},{"color":773},{"type":18,"attrs":1447,"content":1448},{"textAlign":34},[1449],{"text":1450,"type":22,"marks":1451},"Schwab Intelligent Portfolios is accessed through Schwab’s website and mobile app and is fully integrated into its brokerage platform. Accounts receive SIPC protection up to $500,000, with FDIC insurance for eligible cash balances, and the service operates under Charles Schwab’s SEC-registered brokerage and advisory framework.",[1452],{"type":129,"attrs":1453},{"color":773},{"type":764,"attrs":1455,"content":1456},{"level":766,"textAlign":34},[1457],{"text":1458,"type":22,"marks":1459},"Final verdict: SoFi vs Charles Schwab",[1460,1462],{"type":129,"attrs":1461},{"color":773},{"type":38},{"type":18,"attrs":1464,"content":1465},{"textAlign":34},[1466],{"text":1467,"type":22,"marks":1468},"SoFi Automated Investing and Charles Schwab Intelligent Portfolios both offer automated ETF portfolios with rebalancing, but they serve different investor profiles.",[1469],{"type":129,"attrs":1470},{"color":773},{"type":18,"attrs":1472,"content":1473},{"textAlign":34},[1474],{"text":1475,"type":22,"marks":1476},"SoFi stands out for accessibility, with a $50 minimum and a simple, fully digital experience that includes a complimentary virtual session with a financial planner, in exchange for a 0.25% advisory fee. It is best suited for newer or smaller investors who value ease of use and occasional human guidance.",[1477],{"type":129,"attrs":1478},{"color":773},{"type":18,"attrs":1480,"content":1481},{"textAlign":34},[1482],{"text":1483,"type":22,"marks":1484},"Charles Schwab focuses on cost efficiency at scale, offering a $0 advisory fee robo-advisor with a $5,000 minimum, and a Premium tier at $25,000 that adds ongoing CFP support. Its broader account options, tax-loss harvesting, and full-service brokerage integration make it a stronger fit for investors with larger balances who want automation without ongoing advisory fees.",[1485],{"type":129,"attrs":1486},{"color":773},{"type":764,"attrs":1488,"content":1489},{"level":861,"textAlign":34},[1490],{"text":1491,"type":22,"marks":1492},"Get expert financial advice",[1493],{"type":129,"attrs":1494},{"color":773},{"type":18,"attrs":1496,"content":1497},{"textAlign":34},[1498,1503,1513],{"text":1499,"type":22,"marks":1500},"If you need expert financial advice beyond a robo-advisor, Unbiased can ",[1501],{"type":129,"attrs":1502},{"color":773},{"text":1504,"type":22,"marks":1505},"match you with a financial advisor",[1506,1509,1512],{"type":31,"attrs":1507},{"href":1508,"uuid":34,"anchor":34,"target":34,"linktype":36},"https://v2.unbiased.com/inquiry/financial-advisor/primary-areas",{"type":129,"attrs":1510},{"color":1511},"#1155CC",{"type":1094},{"text":1514,"type":22,"marks":1515}," who will help you manage your money and maximize your investments.",[1516],{"type":129,"attrs":1517},{"color":773},{"type":18,"attrs":1519,"content":1521},{"textAlign":1520},"justify",[1522],{"text":1523,"type":22,"marks":1524},"Get connected to an advisor through Unbiased today.",[1525],{"type":129,"attrs":1526},{"color":773},[1528],{"_uid":1529,"image":1530,"title":1535,"subtitle":12,"component":1552,"breadcrumbs":558},"7258534c-6542-4ae2-bfde-cd263bf80204",{"id":1531,"alt":12,"name":12,"focus":12,"title":12,"source":12,"filename":1532,"copyright":12,"fieldtype":1533,"meta_data":1534,"is_external_url":543},127342320032130,"https://a.storyblok.com/f/185166/1200x900/2655920ae1/sofi-vs-charles-schwab.png","asset",{},{"type":15,"content":1536},[1537],{"type":18,"attrs":1538,"content":1539},{"textAlign":34},[1540,1547],{"text":750,"type":22,"marks":1541},[1542,1544],{"type":129,"attrs":1543},{"color":773},{"type":25,"attrs":1545},{"class":1546},"primary-gradient",{"text":1548,"type":22,"marks":1549},": Which is right for you?",[1550],{"type":129,"attrs":1551},{"color":773},"app-hero",{"name":1554,"created_at":1555,"published_at":1556,"updated_at":1557,"id":1558,"uuid":1559,"content":1560,"slug":1569,"full_slug":1570,"sort_by_date":34,"position":1571,"tag_list":1572,"is_startpage":543,"parent_id":1573,"meta_data":34,"group_id":1574,"first_published_at":1575,"release_id":34,"lang":730,"path":34,"alternates":1576,"default_full_slug":34,"translated_slugs":34,"_stopResolving":558},"Unbiased team","2024-01-18T11:49:29.332Z","2024-01-24T16:17:31.264Z","2024-01-24T16:17:31.285Z",429182198,"a38620a4-ad81-47d5-b2fe-9fe933abd010",{"job":1561,"_uid":1562,"name":1554,"image":1563,"component":1567,"description":1568},"Writers","a6e3129c-eeee-4438-8204-797883981521",{"id":1564,"alt":12,"name":12,"focus":12,"title":12,"source":12,"filename":1565,"copyright":12,"fieldtype":1533,"meta_data":1566,"is_private":12,"is_external_url":543},13850198,"https://a.storyblok.com/f/185166/400x400/232c6cb764/unbiased-team.jpg",{},"article-author","Our team of writers, who have decades of experience writing about personal finance, including investing and retirement, are here to help you find out what you must know about life’s biggest financial decisions.","unbiased-team","authors/unbiased-team",-10,[],224651374,"170282a1-0fe6-4cf3-ab19-04639ed3474c","2023-04-03T07:50:42.397Z",[],[1578],{"_uid":1579,"body":1580,"title":12,"component":1581},"628318e0-01e9-4c44-8673-bc4675b4f2b9",[],"app-links-list",{"_uid":1583,"title":750,"plugin":1584,"og_image":12,"og_title":12,"description":1585,"twitter_image":12,"twitter_title":12,"og_description":12,"twitter_description":12},"fe5b987c-deda-40da-943f-fd1c6a916734","seo_metatags","Our SoFi vs Charles Schwab review compares their robo-advisors, fees, and features to help you choose between SoFi’s low-minimum automated investing and Schwab’s $0-fee Intelligent Portfolios for higher balances.",{"name":1587,"created_at":1588,"published_at":1589,"updated_at":1590,"id":1591,"uuid":1592,"content":1593,"slug":1601,"full_slug":1602,"sort_by_date":34,"position":1571,"tag_list":1603,"is_startpage":543,"parent_id":1573,"meta_data":34,"group_id":1604,"first_published_at":1575,"release_id":34,"lang":730,"path":34,"alternates":1605,"default_full_slug":34,"translated_slugs":34,"_stopResolving":558},"Rachel Carey","2023-03-28T10:05:08.718Z","2025-01-28T12:05:49.815Z","2025-01-28T12:05:49.832Z",283076789,"b4ce951f-89c7-4ef6-97a8-709dc6d856e1",{"job":1594,"_uid":1562,"name":1587,"image":1595,"component":1567,"education":1598,"expertise":1599,"description":1600},"Senior Content Writer",{"id":1596,"alt":12,"name":12,"focus":12,"title":12,"filename":1597,"copyright":12,"fieldtype":1533,"is_external_url":543},7792663,"https://a.storyblok.com/f/185166/1199x1257/2401746255/rachel-carey.jpg","Griffith College Dublin, MA (Hons) in Journalism & Media Communications","Rachel brings over a decade of experience in media, including SEO content writing, marketing, public relations, and broadcast and print journalism.","Rachel is a Senior Content Writer at Unbiased, producing content across a range of different sectors, including personal finance, retirement, and investing. She specializes in simplifying intricate financial terms into clear, engaging content tailored for both B2C and B2B audiences.","rachel-carey","authors/rachel-carey",[],"024abff2-15a6-4099-8ba2-25c01abe42e8",[],"app-article",[],[],"This review compares SoFi and Charles Schwab, the services they offer, their pros and cons, and the fees.",[],"sofi-vs-charles-schwab","discover/financial-advice/sofi-vs-charles-schwab",-5200,[],365590167,"4ab73098-5b98-4d1e-96e4-774c86fad33d",[],{"left":727,"top":727,"width":1619,"height":1619,"rotate":727,"vFlip":543,"hFlip":543,"body":1620},24,"\u003Cpath fill=\"currentColor\" d=\"M3.71 16.29a1 1 0 0 0-.33-.21a1 1 0 0 0-.76 0a1 1 0 0 0-.33.21a1 1 0 0 0-.21.33a1 1 0 0 0 .21 1.09a1.2 1.2 0 0 0 .33.21a.94.94 0 0 0 .76 0a1.2 1.2 0 0 0 .33-.21a1 1 0 0 0 .21-1.09a1 1 0 0 0-.21-.33M7 8h14a1 1 0 0 0 0-2H7a1 1 0 0 0 0 2m-3.29 3.29a1 1 0 0 0-1.09-.21a1.2 1.2 0 0 0-.33.21a1 1 0 0 0-.21.33a.94.94 0 0 0 0 .76a1.2 1.2 0 0 0 .21.33a1.2 1.2 0 0 0 .33.21a.94.94 0 0 0 .76 0a1.2 1.2 0 0 0 .33-.21a1.2 1.2 0 0 0 .21-.33a.94.94 0 0 0 0-.76a1 1 0 0 0-.21-.33M21 11H7a1 1 0 0 0 0 2h14a1 1 0 0 0 0-2M3.71 6.29a1 1 0 0 0-.33-.21a1 1 0 0 0-1.09.21a1.2 1.2 0 0 0-.21.33a.94.94 0 0 0 0 .76a1.2 1.2 0 0 0 .21.33a1.2 1.2 0 0 0 .33.21a1 1 0 0 0 1.09-.21a1.2 1.2 0 0 0 .21-.33a.94.94 0 0 0 0-.76a1.2 1.2 0 0 0-.21-.33M21 16H7a1 1 0 0 0 0 2h14a1 1 0 0 0 0-2\"/>",[1622,1625,1626],{"title":1623,"exact":558,"href":1624},"Home","https://www.unbiased.com",{"title":58,"exact":558,"to":72,"disabled":543},{"title":750,"exact":558,"to":1627,"disabled":558},"/discover/financial-advice/sofi-vs-charles-schwab",{"left":727,"top":727,"width":733,"height":733,"rotate":727,"vFlip":543,"hFlip":543,"body":1629},"\u003Cpath fill=\"currentColor\" d=\"m181.66 133.66l-80 80a8 8 0 0 1-11.32-11.32L164.69 128L90.34 53.66a8 8 0 0 1 11.32-11.32l80 80a8 8 0 0 1 0 11.32\"/>",1777971784537]