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近年来,技术从根本上改变了个人理财和投资管理的格局,带来了大量可供选择的平台。
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 是个人理财和投资管理领域的两个著名平台,提供广泛的服务和功能。两者都迎合了不同的受众,从初学者投资者到经验丰富的交易者。在本文中,我们将对 Ally 和 SoFi 进行全面比较,涵盖账户类型、交易费用、投资选项、用户体验、客户支持等关键方面。
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.是一家知名金融服务公司,最初将自己定位为在线银行,后来通过Ally Invest扩展到投资服务。自成立以来,Ally 一直专注于为客户提供负担得起的投资选择和易于使用的平台,主要面向自主投资者。
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.)最初是一个学生贷款再融资平台,后来发展成为包括投资管理在内的综合金融服务提供商。 SoFi Invest 允许用户交易股票、ETF 和加密货币,同时还通过 SoFi 的机器人咨询服务提供自动化投资。 SoFi 以其现代化的界面和教育资源瞄准了年轻人群。
Account Types
账户类型
Ally Invest offers a variety of account types to accommodate the needs of different investors. These include:
Ally Invest提供多种账户类型,以满足不同投资者的需求。这些包括:
Individual Brokerage Accounts: Standard accounts for self-directed investing, with access to stocks, ETFs, options, and mutual funds.
个人经纪账户:用于自主投资的标准账户,可以投资股票、ETF、期权和共同基金。
Joint Brokerage Accounts: Similar to individual accounts but designed for two people to manage their investments together.
联合经纪账户:与个人账户类似,但专为两个人共同管理投资而设计。
Custodial UGMA/UTMA Accounts: Accounts for minors, typically managed by a parent or guardian until the minor reaches a certain age.
托管 UGMA/UTMA 账户:未成年人账户,通常由父母或监护人管理,直到未成年人达到一定年龄。
Trust Accounts: Accounts for managing investments on behalf of a trust, with specific beneficiaries and terms outlined.
信托账户:代表信托管理投资的账户,具有特定的受益人和概述的条款。
Business Accounts: Accounts for small businesses or corporations to conduct their investment activities.
企业账户:小型企业或公司进行投资活动的账户。
SoFi Invest provides multiple account options with a focus on flexibility and simplicity. These include:
SoFi Invest 提供多种账户选项,注重灵活性和简单性。这些包括:
Active Investing Accounts: Standard brokerage accounts for self-directed investing, with access to stocks, ETFs, and cryptocurrencies.
主动投资账户:用于自主投资的标准经纪账户,可以投资股票、ETF 和加密货币。
Automated Investing Accounts: Robo-advisory accounts that are managed by SoFi’s algorithm based on your goals and risk tolerance.
自动投资账户:由 SoFi 算法根据您的目标和风险承受能力进行管理的机器人咨询账户。
Trading Fees and Commissions
交易费用和佣金
One of Ally’s significant selling points is its commission-free trading model. Key details include:
Ally 的重要卖点之一是其免佣金交易模式。关键细节包括:
Ally Invest offers commission-free online trades for stocks, ETFs (except ProShares), and options.
Ally Invest 提供股票、ETF(ProShares 除外)和期权的免佣金在线交易。
There is a $0.65 per contract fee for options trades.
期权交易每份合约收取 0.65 美元的费用。
Wire transfers into non-Ally bank accounts are subject to a $30 fee.
电汇至非 Ally 银行账户需支付 30 美元的费用。
SoFi also employs a commission-free trading model, making it an attractive option for cost-conscious investors. Key details include:
SoFi还采用免佣金交易模式,这对于注重成本的投资者来说是一个有吸引力的选择。关键细节包括:
SoFi Invest provides commission-free online trades for stocks, ETFs, and cryptocurrencies.
SoFi Invest 提供股票、ETF 和加密货币的免佣金在线交易。
There are no trading fees for options or any other investment instruments.
期权或任何其他投资工具不收取交易费用。
Wire transfers into non-SoFi bank accounts are subject to a $25 fee.
电汇至非 SoFi 银行账户需支付 25 美元的费用。
Summary of Fees
费用摘要
Platform Stock Trades ETF Trades Options Trades
平台 股票交易 ETF 交易 期权交易
Ally Invest $0 $0 (except ProShares) $0.65 per contract
Ally Invest $0 $0(ProShares 除外)每份合约 $0.65
SoFi Invest $0 $0 $0
SoFi 投资 $0 $0 $0
Investment Options
投资选择
Ally Invest provides a robust selection of investment options, catering to a wide range of investors. These include:
Ally Invest 提供丰富的投资选择,满足广大投资者的需求。这些包括:
Stocks: Access to a vast universe of US-listed common stocks from various exchanges.
股票:从各个交易所获取大量在美国上市的普通股。
ETFs: A broad selection of exchange-traded funds, including both standard and ProShares ETFs.
ETF:多种交易所交易基金选择,包括标准 ETF 和 ProShares ETF。
Options: A range of options contracts on stocks and ETFs for advanced traders.
期权:为高级交易者提供一系列股票和 ETF 期权合约。
Mutual Funds: A limited offering of no-load mutual funds from厳選 families.
互惠基金:厳选家族有限提供的免佣互惠基金。
Fixed Income: A small selection of corporate and municipal bonds for income-oriented investors.
固定收益:为收入导向型投资者提供的一小部分公司和市政债券。
SoFi Invest tends to attract beginner investors and offers simplified investment choices. These include:
SoFi Invest 倾向于吸引初学者投资者并提供简化的投资选择。这些包括:
Stocks: A curated list of popular and high-growth stocks for easy selection.
股票:精选的热门和高增长股票列表,方便选择。
ETFs: A limited selection of core and thematic ETFs, focusing on broad market exposure and specific investment strategies.
ETF:核心和主题ETF的有限选择,专注于广泛的市场敞口和特定的投资策略。
Cryptocurrencies: Direct trading of a limited number of cryptocurrencies, including Bitcoin, Ethereum, and Dogecoin.
加密货币:有限数量的加密货币的直接交易,包括比特币、以太坊和狗狗币。
User Experience
用户体验
Ally Invest’s platform aligns well with technical traders who prefer more sophisticated tools and analytics. Key user experience elements include:
Ally Invest 的平台非常适合喜欢更复杂的工具和分析的技术交易者。关键的用户体验要素包括:
Advanced charting capabilities with multiple technical indicators and drawing tools.
具有多种技术指标和绘图工具的高级图表功能。
Level II market data is available for active traders, providing real-time depth of market information.
二级市场数据可供活跃交易者使用,提供实时深度的市场信息。
A customizable trading interface that allows traders to organize their workspace and hotkeys for quick navigation.
可定制的交易界面,允许交易者组织他们的工作区和热键以进行快速导航。
Extensive research resources, including company profiles, analyst ratings, and economic data, are integrated into the platform.
该平台集成了广泛的研究资源,包括公司概况、分析师评级和经济数据。
SoFi Invest is engineered with simplicity, making it accessible for new investors. Key user experience elements include:
SoFi Invest 设计简单,适合新投资者使用。关键的用户体验要素包括:
A clean and intuitive user interface with clear navigation and menus.
干净直观的用户界面,具有清晰的导航和菜单。
Beginner-friendly explanations and tutorials are provided throughout the platform to enhance understanding.
整个平台提供适合初学者的解释和教程,以增强理解。
Fractional share investing is available, allowing users to purchase portions of high-priced stocks or ETFs.
可以进行部分股票投资,允许用户购买部分高价股票或 ETF。
A limited selection of advanced features,
有限的高级功能选择,
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