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近年來,科技從根本上改變了個人理財和投資管理的格局,帶來了大量可供選擇的平台。
Ally Invest and SoFi Invest are two prominent platforms in the personal finance and investment management space, offering a wide range of services and features. Both cater to a diverse audience, from beginner investors to experienced traders. In this article, we will provide a comprehensive comparison between Ally and SoFi, covering key aspects such as account types, trading fees, investment options, user experience, customer support, and more.
Ally Invest 和 SoFi Invest 是個人理財和投資管理領域的兩個著名平台,提供廣泛的服務和功能。兩者都迎合了不同的受眾,從初學者投資者到經驗豐富的交易者。在本文中,我們將對 Ally 和 SoFi 進行全面比較,涵蓋帳戶類型、交易費用、投資選項、使用者體驗、客戶支援等關鍵面向。
Overview of Ally and SoFi
Ally 和 SoFi 概述
Ally Financial Inc., a well-known financial services company, initially positioned itself as an online bank but later expanded into investment services through Ally Invest. Since its inception, Ally has focused on providing its customers with affordable investment options and an easy-to-use platform, catering primarily to self-directed investors.
Ally Financial Inc.是一家知名金融服務公司,最初將自己定位為線上銀行,後來透過Ally Invest擴展到投資服務領域。自成立以來,Ally 一直專注於為客戶提供負擔得起的投資選擇和易於使用的平台,主要針對自主投資者。
On the other hand, SoFi (Social Finance Inc.) started as a student loan refinancing platform and has since evolved into a comprehensive financial services provider that includes investment management. SoFi Invest allows users to trade stocks, ETFs, and cryptocurrencies while also offering automated investing through SoFi’s robo-advisory services. SoFi targets a younger demographic with its modern interface and educational resources.
另一方面,SoFi(Social Finance Inc.)最初是一個學生貸款再融資平台,後來發展成為一家包括投資管理在內的綜合金融服務提供者。 SoFi Invest 讓用戶交易股票、ETF 和加密貨幣,同時也透過 SoFi 的機器人諮詢服務提供自動化投資。 SoFi 以其現代化的介面和教育資源瞄準了年輕人群。
Account Types
帳戶類型
Ally Invest offers a variety of account types to accommodate the needs of different investors. These include:
Ally Invest提供多種帳戶類型,以滿足不同投資者的需求。這些包括:
Individual Brokerage Accounts: Standard accounts for self-directed investing, with access to stocks, ETFs, options, and mutual funds.
個人經紀帳戶:用於自主投資的標準帳戶,可以投資股票、ETF、選擇權和共同基金。
Joint Brokerage Accounts: Similar to individual accounts but designed for two people to manage their investments together.
聯合經紀帳戶:與個人帳戶類似,但專為兩個人共同管理投資而設計。
Custodial UGMA/UTMA Accounts: Accounts for minors, typically managed by a parent or guardian until the minor reaches a certain age.
託管 UGMA/UTMA 帳戶:未成年人帳戶,通常由父母或監護人管理,直到未成年人達到一定年齡。
Trust Accounts: Accounts for managing investments on behalf of a trust, with specific beneficiaries and terms outlined.
信託帳戶:代表信託管理投資的帳戶,具有特定的受益人和概述的條款。
Business Accounts: Accounts for small businesses or corporations to conduct their investment activities.
企業帳戶:小型企業或公司進行投資活動的帳戶。
SoFi Invest provides multiple account options with a focus on flexibility and simplicity. These include:
SoFi Invest 提供多種帳戶選項,注重靈活性和簡單性。這些包括:
Active Investing Accounts: Standard brokerage accounts for self-directed investing, with access to stocks, ETFs, and cryptocurrencies.
主動投資帳戶:用於自主投資的標準經紀帳戶,可以投資股票、ETF 和加密貨幣。
Automated Investing Accounts: Robo-advisory accounts that are managed by SoFi’s algorithm based on your goals and risk tolerance.
自動投資帳戶:由 SoFi 演算法根據您的目標和風險承受能力進行管理的機器人諮詢帳戶。
Trading Fees and Commissions
交易費用和佣金
One of Ally’s significant selling points is its commission-free trading model. Key details include:
Ally 的重要賣點之一是其免佣金交易模式。關鍵細節包括:
Ally Invest offers commission-free online trades for stocks, ETFs (except ProShares), and options.
Ally Invest 提供股票、ETF(ProShares 除外)和選擇權的免佣金線上交易。
There is a $0.65 per contract fee for options trades.
選擇權交易每份合約收取 0.65 美元的費用。
Wire transfers into non-Ally bank accounts are subject to a $30 fee.
電匯至非 Ally 銀行帳戶需支付 30 美元的費用。
SoFi also employs a commission-free trading model, making it an attractive option for cost-conscious investors. Key details include:
SoFi也採用免佣金交易模式,這對於注重成本的投資者來說是一個有吸引力的選擇。關鍵細節包括:
SoFi Invest provides commission-free online trades for stocks, ETFs, and cryptocurrencies.
SoFi Invest 提供股票、ETF 和加密貨幣的免佣金線上交易。
There are no trading fees for options or any other investment instruments.
選擇權或任何其他投資工具不收取交易費用。
Wire transfers into non-SoFi bank accounts are subject to a $25 fee.
電匯至非 SoFi 銀行帳戶需支付 25 美元的費用。
Summary of Fees
費用摘要
Platform Stock Trades ETF Trades Options Trades
平台 股票交易 ETF 交易 選擇權交易
Ally Invest $0 $0 (except ProShares) $0.65 per contract
Ally Invest $0 $0(ProShares 除外)每份合約 $0.65
SoFi Invest $0 $0 $0
SoFi 投資 $0 $0 $0
Investment Options
投資選擇
Ally Invest provides a robust selection of investment options, catering to a wide range of investors. These include:
Ally Invest 提供豐富的投資選擇,滿足廣大投資者的需求。這些包括:
Stocks: Access to a vast universe of US-listed common stocks from various exchanges.
股票:從各個交易所獲取大量在美國上市的普通股。
ETFs: A broad selection of exchange-traded funds, including both standard and ProShares ETFs.
ETF:多種交易所交易基金選擇,包括標準 ETF 和 ProShares ETF。
Options: A range of options contracts on stocks and ETFs for advanced traders.
選擇權:為高級交易者提供一系列股票和 ETF 選擇權合約。
Mutual Funds: A limited offering of no-load mutual funds from厳選 families.
互惠基金:厳選家族有限提供的免傭互惠基金。
Fixed Income: A small selection of corporate and municipal bonds for income-oriented investors.
固定收益:為收入導向投資者提供的一小部分公司和市政債券。
SoFi Invest tends to attract beginner investors and offers simplified investment choices. These include:
SoFi Invest 傾向於吸引初學者投資者並提供簡化的投資選擇。這些包括:
Stocks: A curated list of popular and high-growth stocks for easy selection.
股票:精選的熱門和高成長股列表,方便選擇。
ETFs: A limited selection of core and thematic ETFs, focusing on broad market exposure and specific investment strategies.
ETF:核心和主題ETF的有限選擇,專注於廣泛的市場曝險和特定的投資策略。
Cryptocurrencies: Direct trading of a limited number of cryptocurrencies, including Bitcoin, Ethereum, and Dogecoin.
加密貨幣:有限數量的加密貨幣的直接交易,包括比特幣、以太幣和狗狗幣。
User Experience
使用者體驗
Ally Invest’s platform aligns well with technical traders who prefer more sophisticated tools and analytics. Key user experience elements include:
Ally Invest 的平台非常適合喜歡更複雜的工具和分析的技術交易者。關鍵的使用者體驗要素包括:
Advanced charting capabilities with multiple technical indicators and drawing tools.
具有多種技術指標和繪圖工具的高階圖表功能。
Level II market data is available for active traders, providing real-time depth of market information.
二級市場數據可供活躍交易者使用,提供即時深度的市場資訊。
A customizable trading interface that allows traders to organize their workspace and hotkeys for quick navigation.
可自訂的交易介面,允許交易者組織他們的工作區和熱鍵以進行快速導航。
Extensive research resources, including company profiles, analyst ratings, and economic data, are integrated into the platform.
該平台整合了廣泛的研究資源,包括公司概況、分析師評級和經濟數據。
SoFi Invest is engineered with simplicity, making it accessible for new investors. Key user experience elements include:
SoFi Invest 設計簡單,適合新投資者使用。關鍵的使用者體驗要素包括:
A clean and intuitive user interface with clear navigation and menus.
乾淨直覺的使用者介面,具有清晰的導航和選單。
Beginner-friendly explanations and tutorials are provided throughout the platform to enhance understanding.
整個平台提供適合初學者的解釋和教程,以增強理解。
Fractional share investing is available, allowing users to purchase portions of high-priced stocks or ETFs.
可以進行部分股票投資,讓用戶購買部分高價股票或 ETF。
A limited selection of advanced features,
有限的進階功能選擇,
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