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We might be compensated by one of our IRA partners for an account you open through our platform. This helps us keep the rollover service free, but it never impacts the fees you’ll pay on your new account. We only win if you do, and our job is to help you simplify your retirement accounts. We also help people who already have an IRA account even though we might receive no compensation in these situations—because it’s just the right thing to do!

SoFi Automated IRA vs TD Essentials IRA

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SoFi Automated is a great option if you want a zero-fee portfolio from a digital brand with a range of other financial products like student loan refinancing and debit cards.

Consider TD Essentials if you want an automated portfolio and you have an existing banking or brokerage relationship with TD Ameritrade.

SoFi

SoFi

Automated

Open an Account
Best if you want
A zero-fee portfolio from a digital brand with a range of other financial products like student loan refinancing and debit cards.
Fees
0%
What they invest in
All digital advisors create a diversified portfolio of ETFs (Exchange-traded funds) based on your risk tolerance and preferences.
Limitations
Not much ability to influence the portfolio they create for you.
Human advisor available?
Yes - SoFi has certified financial professionals on staff that you'll get access to.
Account Minimums
$0
Ease of Use
Star filledStar filledStar filledStar filled
4 stars
Customer Support
Mix of online and call center.
Additional Info

Read our full review

Learn more about SoFi

TD Ameritrade

TD Ameritrade

Automated

Open an Account
Best if you want
An automated portfolio and you have an existing banking or brokerage relationship with TD Ameritrade.
Fees
0.30%
What they invest in
All digital advisors create a diversified portfolio of ETFs (Exchange-traded funds) based on your risk tolerance and preferences.
Limitations
The user experience isn't as intuitive as newer, digital-first institutions.
Human advisor available?
Not at this time. TD does offer other accounts with human advisors, but they have higher fees and account minimums.
Account Minimums
$5,000
Ease of Use
Star filledStar filledStar half
2.5 stars
Customer Support
Mix of online, call center, and branches.
Additional Info

Read our full review

Learn more about TD Ameritrade

Ready to take control of your assets?
Capitalize helps you consolidate your old 401(k)s by rolling them into an IRA of your choosing. Use an existing IRA if you have one, or we’ll help you open one if you don’t.
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