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Vanguard vs Sofi Active Investing : Fees, Safety & Trading Conditions Compared (2026)
Broker Name
Vanguard
Sofi Active Investing
Broker Overview
Broker Type (e.g., Market Maker, ECN/STP)
STP and ECN broker
Market maker
Years of Existence / Established Year
1975
2019
Customer Base / Number of Accounts
50M+
6.2+ Million
Regulation & Security
Regulations (governing bodies)
SEC
SEC, FINRA
Awards Won (count for the last 2 years)
No major awards listed
No major awards listed
Security Measures
AML, SIPC, FIDC
SIPC
SSL Encryption / 2FA
Yes
Yes
Segregated Funds
Yes
No
Negative Balance Protection
No
No
Trading Instruments/Products Offered
Assets Types / Trading Instruments (total count and breakdown)
3,400 mutual funds and 191 Vanguard products including CDs, Cash investment, Index funds, Retirement funds, Actively managed funds, ESG funds
IPO, IRA, Shares
Currency Pairs
No
No
Commodities
No
No
Indices
No
No
Cryptocurrencies
No
Yes
CFDs
No
No
ETFs
Yes
Yes
Stocks
Yes
Yes
Options
Yes
Yes
Futures
No
No
Bonds
Yes
No
Mutual Funds
Yes
Yes
Fractional Shares
Exchange Traded Notes (ETNs)
No
No
Precious Metals
No
No
Real Estate Investment Trusts (REITs)
No
No
Equities
No
No
Trading Platforms & Technology
Trading Platform Availability
Yes
Yes
MT4
No
No
MT5
No
No
cTrader
No
No
Social Trading
No
Copy Trading
No
No
Other Trading Platforms (proprietary, etc.)
User-friendly web interface & mobile app
Mobile and Web app
Platform Compatibility (Windows, Mac, iOS, Android)
Yes
Yes
Account Types & Conditions
Account Types (Retail, Pro, VIP, etc.)
IRAs, Brokerage accounts, 529 saving plans, Cash management, UGMA/UTMA, Small business retirement, 403(b) services
Individual brokerage, IRA (Traditional, Roth, SEP)
Demo Account (Yes/No)
No
No
Islamic Accounts (Yes/No)
Yes
No
Minimum Deposit
$0
$0
Leverage Available
No
No
Trade Limit (maximum per trade)
99,999 shares
Account Equity < $25,000: No Day Trades
Commission (per account type)
$0
$0
Best Suited For (e.g., beginners, experienced traders)
Beginners to experienced traders
Passive investors
Deposit & Withdrawal Options
Deposit Methods
Electronic bank transfer, Wire transfer, Vanguard account, Direct account, Check
Bank transfers (ACH), direct deposit from linked bank accounts
Withdrawal Methods
Electronic bank transfer, Automatic investment plan, Automatic withdrawal plan, Wire redemption, Mobile check investment
ACH transfer back to linked bank accounts
Other E-Wallets Supported
No
No
Tools & Educational Resources
Economic Calendar
Yes
Yes
Tools & Educational Resources (tutorials, webinars, market news, etc.)
Investor Education, Retirement Resources, Market Analysis and Insights, Webinars and Online Seminars, Investment Guides and Tools
Learn (Investing Education), Market Insights and Analysis, Webinars, Investing Guides, Financial Planning Tools, Sofi Insights (Market News)
Fees & Commissions
Trading-Related Fees
Commission- $0, 30-day median bid/ask spread - Vanguard Advisors
Stocks, ETFs-$0,Commission -$0
Spread (typical, fixed, variable)
Variable
NA
Per Lot Fees
NA
NA
Options Contract Fees
$0 base fee, $1 per contract
$0- $5
Futures Contract Fees
NA
NA
Markup Fees on Spread
NA
NA
Guaranteed Stop Loss Fees
NA
NA
Maximum Leverage
No
No
Non-Trading Fees
Dormant Fees
NA
$25
Subscription Fees (for premium features, data feeds)
NA
NA
Advisory Fees
$15- $30/ year
Depending on assets type, Professional charges- 1% , annual advisory fees as low as 0.25%
Swap Fees (Overnight Financing)
Yes
NA
Statement or Document Fee
NA
$5 paper statement fee
Account Opening Fee
NA
NA
Account Maintenance Fee
$25
NA
Deposit Fee
NA
NA
Currency Conversion Fee
Vanguard uses its own exchange rate
NA
Withdrawal Fee
Wire transfer- $10
Outgoing ACAT transfers $100
Bonuses, Promotions & Benefits
Bonuses, Promotions, and Referrals
No
Yes
Customer Benefits (e.g., Retirement Plan)
Yes
Yes
Trading Hours
Trading Hours (for each asset class if applicable)
Monday through Friday, 9:30 a.m. to 4 p.m., Eastern time
Depends on the instrument offer
Customer Support
Support Hours (e.g., 24/7, weekdays only)
Monday to Friday, 8:00 am - 8:00 pm EST
Monday - Friday 5am-5pm PT
Customer Support Methods (phone, email, live chat)
Phone: 877-662-7447, E-mail: [email protected]
Live chat, Phone: 855-456-7634, Virtual assistant
Support Languages
8+
1
Additional Information
Headquarters Location
Valley Forge, Pennsylvania, USA
San Francisco, California.
Complaints (for crypto brokers)
No
No
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