Wealthy PotSoFi Active Invest vs Fidelity (2026)
Fidelity is a full-service broker built for serious long-term investing, with low-cost funds, strong research, and excellent cash management; SoFi bundles investing with banking, an IRA match, and CFP access in one app. Pick Fidelity for the deepest long-term toolkit, SoFi if you want investing alongside everyday banking.
By Wealthy Pot · Last updated September 2026
| Feature | SoFi Active Invest | Fidelity |
|---|---|---|
| Type | App-first | Full-service |
| Stock/ETF commission | $0 | $0 |
| Options per contract | $0 | $0.65/contract |
| Account minimum | $0 | $0 |
| Fractional shares | Yes | Yes |
| Platforms | Web, iOS, Android | Web, iOS, Android, Desktop |
| Best for | Beginners who want investing, banking, and an IRA match in one all-in-one app | Most investors — beginners, IRAs, and index-fund buyers who want one strong all-rounder |
Where SoFi Active Invest wins
- $0 options contracts and fractional shares
- 1% IRA match and access to human CFPs
- Investing bundled with banking in one app
- Beginner-friendly design
Where Fidelity wins
- Zero-expense-ratio index funds you can hold for free
- Excellent research, screeners, and planning tools
- High yield on uninvested cash by default
- Fractional shares and a strong IRA lineup
Which should you choose?
Fidelity is a full-service broker built for serious long-term investing, with low-cost funds, strong research, and excellent cash management; SoFi bundles investing with banking, an IRA match, and CFP access in one app. Pick Fidelity for the deepest long-term toolkit, SoFi if you want investing alongside everyday banking.
Compare these against every option in our online brokers comparison.
We summarize hands-on assessment, not user reviews. Commissions, options fees, and account minimums change often and are re-checked against each broker's official page. Some outbound links may be affiliate links — that never affects our comparisons. Nothing here is investment advice.