Wealthy PotSoFi Automated Investing vs Betterment (2026)
SoFi Automated Investing pairs a very low minimum and CFP access with the wider SoFi ecosystem; Betterment is the more mature, feature-rich robo with tax-loss harvesting. Pick SoFi if you want investing bundled with banking, Betterment if you want the deeper robo toolkit.
By Wealthy Pot · Last updated September 2026
| Feature | SoFi Automated Investing | Betterment |
|---|---|---|
| Type | Hybrid | Standalone |
| Advisory fee | 0.25%/yr | 0.25%/yr (or $5/mo under $24k without a $200+ recurring deposit) |
| Account minimum | $50 | $0 |
| Tax-loss harvesting | No | Yes |
| Platforms | Web, iOS, Android | Web, iOS, Android |
| Best for | SoFi users who want automated investing bundled with banking and CFP access | Hands-off investors who want goal-based automation with no minimum to start |
Where SoFi Automated Investing wins
- Very low minimum to start
- Access to human CFPs at no extra charge
- Bundled with SoFi banking and other products
- Simple, beginner-friendly
Where Betterment wins
- Goal-based planning that is genuinely easy to use
- Automatic tax-loss harvesting
- No minimum to open
- Optional access to human CFPs on a premium tier
Which should you choose?
SoFi Automated Investing pairs a very low minimum and CFP access with the wider SoFi ecosystem; Betterment is the more mature, feature-rich robo with tax-loss harvesting. Pick SoFi if you want investing bundled with banking, Betterment if you want the deeper robo toolkit.
Compare these against every option in our robo-advisors comparison.
We summarize hands-on assessment, not user reviews. Advisory fees and account minimums change often and are re-checked against each provider's official page. Some outbound links may be affiliate links — that never affects our comparisons. Nothing here is investment advice.