SoFi · investment strategy
by SoFi Wealth · via SoFi
of the return and risk figures:as the source publishes them
What $10,000 would have become, from the strategy's own published history, against the S&P 500 over the same dates. The basis is labelled.
This strategy doesn’t publish a performance history we can chart.
Each rule is quoted word for word from the strategy's own documents.
“Stocks still comprise 20-40% of this portfolio”
“An allocation of 60-80% to bonds”
17 positions as of 2026-04-01
by the source.
Compares the stated rules with the holdings (or, where none are published, a mix estimated from returns), using tests fixed before any results were seen.
1.4% of weight in (IVV: 3.0%)
12 funds (SEC N-PORT, as of 2026-05-31) · not identified: BINC 4%, THRO 2%, CORO 2%
The holdings on file are more than 120 days old, so there’s no verdict. : 82% · 2026-04-01
0.0% of weight in (SPY: 0%)
The holdings on file are more than 120 days old, so there’s no verdict. : 83% · 2026-04-01
Strategies that share its Income / dividends label, from other sources first, strongest risk-adjusted return first.
Composer Technologies · Composer
How much of what we look for this strategy has, and why anything is missing. Fields that don't apply to it aren't counted.
3 missing · 2 out of date
The text the rules are quoted from, with where it came from.
"low cost, diversified portfolio"; target asset allocation set by Investment Committee
Model per risk profile (from goal, time horizon, risk tolerance) and account type; levels not named
investors with a moderately conservative risk profile focus more on reducing risk than on portfolio gains, although they are usually comfortable with some degree of market fluctuation and wish to have a portion of their portfolio invested in the stock market to increase expected future returns. Stocks still comprise 20-40% of this portfolio, and there will be periods where the portfolio suffers a loss of value. An allocation of 60-80% to bonds should limit the effects of a stock market sell-off but will not eliminate effects entirely.
Every value on file, each labelled with its calculation basis and as-of date.
| Asset classes / instruments | equity, fixed income | 2026-03-31 | |
| ESG / responsible flag | No | 2026-03-31 |
| Rebalancing (methodology text) | Rebalances when a holding drifts about 5% from target (Form ADV) | 2026-03-31 |
| Management / advisory fee | 0.25% | 2026-03-31 | |
| Minimum investment | $50 | 2026-03-31 |
| Asset-class allocation | cash: 1.0% · bonds: 65.0% · stocks: 32.0% · alternatives: 2.0% | 2026-04-01 | |
| Equity allocation | 32.00% | 2026-04-01 |
| Program in the firm's Form ADV brochure | url: https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1028153 · name: SoFi Classic Robo Model Portfolios · covers: 10 · source_key: sofi_wealth|0 · original_name: Classic |
| Benchmark (methodology text) | Committee compares against "static benchmarks for each strategy" (not named) | ||
| Benchmark return, 1 year | 9.09% | 2026-03-31 | |
| Benchmark return, 3 years (annualized) | 7.47% | 2026-03-31 | |
| Benchmark return, 5 years (annualized) | 3.18% | 2026-03-31 | |
| Benchmark return, since inception (annualized) | 2.83% | 2026-03-31 | |
| Benchmark return, year to date | -1.14% | 2026-03-31 |
| Return, 1 year (client composite) | 10.05% | 2026-03-31 | |
| Return, 3 years (annualized) (client composite) | 8.39% | 2026-03-31 | |
| Return, 5 years (annualized) (client composite) | 3.80% | 2026-03-31 | |
| Return, since inception (annualized) (client composite) | 3.63% | 2026-03-31 | |
| Return, year to date (client composite) | -0.86% | 2026-03-31 |
| Risk profile (SoFi) | Moderately Conservative | 2026-03-31 | |
| Risk profile rank 1-5 (SoFi) | 2 | 2026-03-31 |
Interactive Advisors
Collective2
