Compare SoFi Invest and Titan Invest on fees, DRIP, fractional shares and research for dividend investing.
Updated August 3, 2026
SoFi Invest and Titan Invest are both modern fintech platforms, but they take opposite approaches. SoFi (4.3/5) is an all-in-one financial app with $0-commission self-directed trading, $1 fractional shares, and free dividend reinvestment. Titan (3.5/5) is a managed service that puts your money into hedge fund-style concentrated stock portfolios for a 0.40–0.90% annual advisory fee with a $500 minimum.
For dividend investors the gap is stark: SoFi supports free DRIP in both its Active and Automated accounts, while Titan has no DRIP at all — dividends from its holdings sit as cash. Titan’s strategies target capital appreciation, not income, and the SEC charged the company in 2023 over misleading performance claims (settled without admitting wrongdoing).
A modern all-in-one financial platform combining commission-free investing with banking, loans, and complimentary access to financial advisors.
Bringing hedge fund-style active management to retail investors with concentrated stock picks and crypto exposure—but high fees and SEC issues raise concerns.
| Feature | SoFi Invest | Titan Invest |
|---|---|---|
| Our Rating | 4.3/5 | 3.5/5 |
| Trading Commissions | $0 | N/A |
| Account Minimum | $0 | $500 |
| Fractional Shares | Yes | N/A |
| DRIP | Free | N/A |
| Research Tools | Basic | Good |
| Best For | Beginners | Active Management Believers |
Want the full breakdown of fees, DRIP, and research tools? Read our SoFi Invest review and Titan Invest review.
SoFi, and it isn’t close for dividend investing. You get $0 commissions, $1 fractional shares, free per-security DRIP, and complimentary 30-minute financial advisor consultations — with no advisory fee unless you opt into the 0.25% robo-advisor. Titan is only worth considering if you specifically want hedge fund-style active management or managed crypto exposure, and even then the 0.90% fee on accounts under $10K is a high bar. For income portfolios, Titan simply isn’t built for the job.
SoFi. It offers free dividend reinvestment with fractional shares in both Active and Automated accounts, plus $0 commissions and a $1 minimum. Titan has no DRIP — dividends sit as cash — and its concentrated growth strategies aren’t designed for income investing.
SoFi Active Invest charges $0 commissions on stocks, ETFs, and options ($5 to exercise a contract), and its robo-advisor costs 0.25% annually. Titan charges 0.90% under $10K, 0.70% from $10K–$100K, and 0.40% above $100K, with a $500 minimum. Watch SoFi’s $25 inactivity fee after 6 months without a login and its $75 transfer-out fee.
No. Titan does not offer dividend reinvestment — dividends from portfolio holdings sit as cash until manually reinvested or used in rebalancing. SoFi reinvests dividends free: automatically in its robo portfolios, and with a per-security toggle in Active Invest.
In 2023 the SEC charged Titan with making misleading claims about its performance, including hypothetical returns that weren’t achievable. Titan settled without admitting wrongdoing and has implemented compliance improvements, but it’s worth knowing before you invest. One genuine Titan positive: its Smart Cash feature pays 4.78% APY on uninvested cash.
Not sure these are the right fit? Explore more comparisons.
Investing involves risk, including possible loss of principal. Past performance does not guarantee future results. This content is for informational purposes only and should not be considered investment advice.