Sofi Active Investing vs NinjaTrader : Fees, Safety & Trading Conditions Compared (2026)

Broker Name

Sofi Active Investing

NinjaTrader

Broker Overview

Broker Type (e.g., Market Maker, ECN/STP)

Market maker

ECN/STP

Years of Existence / Established Year

2019

2003

Customer Base / Number of Accounts

6.2+ Million

1.5M

Regulation & Security

Regulations (governing bodies)

SEC, FINRA

CFTC NFA

Awards Won (count for the last 2 years)

No major awards listed

Leading Broker in TASC's 2024 Readers' Choice Awards 2024 Great Place to Work Best Brokerage for Trading Futures at Benzinga Global Fintech Awards 2023

Security Measures

SIPC

SIPC & FSCS

SSL Encryption / 2FA

Yes

Segregated Funds

Yes

Negative Balance Protection

Trading Instruments/Products Offered

Assets Types / Trading Instruments (total count and breakdown)

IPO, IRA, Shares

115+ trading instruments

Currency Pairs

Commodities

Yes

Indices

Yes

Cryptocurrencies

Yes

CFDs

Yes

ETFs

Yes

Stocks

Yes

Options

Yes

Futures

Yes

Bonds

Yes

Mutual Funds

Yes

Fractional Shares

Yes

Exchange Traded Notes (ETNs)

Precious Metals

Yes

Real Estate Investment Trusts (REITs)

Yes

Equities

Yes

Trading Platforms & Technology

Trading Platform Availability

Yes

MT4

MT5

cTrader

Social Trading

Copy Trading

Yes

Other Trading Platforms (proprietary, etc.)

Mobile and Web app

Ninjatrader 8

Platform Compatibility (Windows, Mac, iOS, Android)

Yes

Account Types & Conditions

Account Types (Retail, Pro, VIP, etc.)

Individual brokerage, IRA (Traditional, Roth, SEP)

Free Plan Lifetime Plan Monthly Plan

Demo Account (Yes/No)

Yes

Islamic Accounts (Yes/No)

Minimum Deposit

Leverage Available

Trade Limit (maximum per trade)

Account Equity < $25,000: No Day Trades

Depends on assets type

Commission (per account type)

Free- $0.35 per micro and $1.29 per standard, Monthly- $0.25 per micro and $0.99 per standard, Lifetime- $.09 per micro contract and $0.59 per standard

Best Suited For (e.g., beginners, experienced traders)

Passive investors

Beginners & experienced

Deposit & Withdrawal Options

Deposit Methods

Bank transfers (ACH), direct deposit from linked bank accounts

ACH Transfer Debit Card Wire Transfer / SEPA By Check

Withdrawal Methods

ACH transfer back to linked bank accounts

Bank Transfer

Other E-Wallets Supported

Tools & Educational Resources

Economic Calendar

Yes

Tools & Educational Resources (tutorials, webinars, market news, etc.)

Learn (Investing Education), Market Insights and Analysis, Webinars, Investing Guides, Financial Planning Tools, Sofi Insights (Market News)

Video tutorials Learning tools Technical analysis

Fees & Commissions

Trading-Related Fees

Stocks, ETFs-$0,Commission -$0

$.05 to $.25 per contract

Spread (typical, fixed, variable)

variable

Per Lot Fees

Options Contract Fees

$0- $5

$0.25 per contract (order routing fees)

Futures Contract Fees

$0.29 to $.85

Markup Fees on Spread

Variable

Guaranteed Stop Loss Fees

Maximum Leverage

Non-Trading Fees

Dormant Fees

$25

$25 monthly

Subscription Fees (for premium features, data feeds)

Volume Indicators - $59 Data Fees - $4 per exchange Multi-License broker - $99

Advisory Fees

Depending on assets type, Professional charges- 1% , annual advisory fees as low as 0.25%

Swap Fees (Overnight Financing)

$50

Statement or Document Fee

$5 paper statement fee

Account Opening Fee

Free Plan - $0 Monthly Plan - $99 Lifetime Plan - $1499

Account Maintenance Fee

Deposit Fee

ACH - Free Domestic Wire Transfer - $30

Currency Conversion Fee

1% of currency converted, minimum 10 units of currency sold

Withdrawal Fee

Outgoing ACAT transfers $100

Bonuses, Promotions & Benefits

Bonuses, Promotions, and Referrals

Yes

Customer Benefits (e.g., Retirement Plan)

Yes

Trading Hours

Trading Hours (for each asset class if applicable)

Depends on the instrument offer

Depends on the assets type

Customer Support

Support Hours (e.g., 24/7, weekdays only)

Monday - Friday 5am-5pm PT

24/5

Customer Support Methods (phone, email, live chat)

Live chat, Phone: 855-456-7634, Virtual assistant

Emergency trade desk: 312.423.2234 General inquiries: 1.800.496.1683 Fax: 312.329.9888 Email: mailto:[email protected] , Live chat

Support Languages

Additional Information

Headquarters Location

San Francisco, California.

222 N LaSalle Street Suite 1450, Chicago, IL 60601

Complaints (for crypto brokers)

At TradingCritique, we don't just list brokers. We test, compare, and simplify your decision-making. Whether you're a beginner or a pro, our data-driven comparisons are built to match your trading style and region. Learn how we Evaluate a broker.

While Sofi Active Investing maintains low trading fees with no minimum deposit, NinjaTrader includes some charges for premium features and certain asset trades, making Sofi Active Investing the better option for budget-focused traders.

Creating an account with Sofi Active Investing is generally faster and more user-friendly, often taking just a few minutes, while NinjaTrader requires more detailed steps and identity verification, which may suit more cautious investors.

Sofi Active Investing integrates well with algorithmic trading tools and third-party plugins. In contrast, NinjaTrader emphasizes educational content and built-in research features within its platform.

If you're after professional-grade platforms, Sofi Active Investing may be ideal. For casual investors, NinjaTrader offers a low-barrier entry.

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