Partnership Disclosure We might be compensated by one of our IRA partners for an account you open through our platform. This helps us keep the service free, but it never impacts the fees you’ll pay on your new account. We only win if you do, and our job is to help you simplify your retirement accounts. We also help people who already have an IRA account even though we receive no compensation in these situations—because it’s just the right thing to do!

Schwab Intelligent Portfolios IRA vs SoFi Automated IRA

Schwab Intelligent Portfolios is a great option if you want An automated IRA at Schwab, especially if you already have accounts there.

Consider SoFi Automated if you want A zero-fee portfolio from a digital brand with a range of other financial products like student loan refinancing and debit cards.

Schwab Intelligent Portfolios IRA

Automated

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Best if you wantAn automated IRA at Schwab, especially if you already have accounts there.
Fees0%
What they invest inAll digital advisors create a diversified portfolio of ETFs (Exchange-traded funds) based on your risk tolerance and preferences.
LimitationsYour portfolio will mainly have Schwab funds in it and Schwab keeps more of your money in cash than competitors which could impact your returns.
Human advisor available?Only if you have more than $25,000 to invest, and for an extra fee of $30/month.
Account Minimums$5,000
Ease of Use3 stars
Customer SupportOnline, call center, and branches.
Additional Info

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Learn more about Charles Schwab

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SoFi Automated IRA

Automated

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Best if you wantA zero-fee portfolio from a digital brand with a range of other financial products like student loan refinancing and debit cards.
Fees0%
What they invest inAll digital advisors create a diversified portfolio of ETFs (Exchange-traded funds) based on your risk tolerance and preferences.
LimitationsNot much ability to influence the portfolio they create for you.
Human advisor available?Yes – SoFi has certified financial professionals on staff that you’ll get access to.
Account Minimums$0
Ease of Use4 stars
Customer SupportMix of online and call center.
Additional Info

Read our full review

Learn more about SoFi

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Ready to take control of your assets?

Capitalize helps you consolidate your old 401(k)s by rolling them into an IRA of your choosing. Use an existing IRA if you have one, or we’ll help you open one if you don’t.