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SoFi推出数字财富管理平台

在不到一个月前,在线贷款创新者SoFi刚刚宣布将最新的1.05亿美元SoFi主要收入基金用于帮助筹资发放贷款。近日,随着SoFi Wealth的推出,这家公司又一次成为头条新闻。 SoFi Wealth是该公司首个数字财富管理产品,美国的投资者在进行自动化、低成本的交易型开放式指数基金投资时又多了一个新选择,而且SoFi Wealth的最小投资额度只要500美元(或每月100美元的定期存款)。 但与许多智能投顾不同,SoFi Wealth的客户将可以与人力财务顾问进行电话和/或聊天对话框交流。

SoFi相信,将人力资源顾问作为整体投资的一部分对投资者来说是一个加分项,特别是作为公司用户的重要组成部分年轻的专业人士。 SoFi财富总经理约翰·加德纳说:“人们喜欢智能投顾的低费用和自动化,但是他们对于在面对巨大的财务问题时无法真正实现人与人谈话这一点感到纠结。实时顾问的指导可以帮助他们信心满满地开始规划一生的成功财务。”

除了提供现实时顾问、降低投资门槛以及提供基于ETF的低成本自动化投资组合外,如果SoFi平台的贷款人使用该服务,则无需支付相关服务费。非SoFi平台用户使用该服务,首次投资的1万美元免受服务费,后续投资则需支付总投资额0.25%的相关管理费用。客户可以在线或通过SoFi Wealth应用程序访问他们的帐户。 Android和iOS版本都可用。

该公司还宣布,正在开发针对首次置业者和年轻家庭的更广泛的个人金融和财务计划解决方案。 SoFi预计在2017年夏季推出这些产品和服务。

SoFi成立于2011年,总部设在加利福尼亚州旧金山,SoFi于今年早些时候在FinDEVr 2017年纽约举行了它在FinDEVr会议上的首次亮相。 该公司与Quovo合作,在题为“Quovo和SoFi如何完善银行认证”的展示中讨论了管理消费者财务账户所面临的挑战。 这一展示重点介绍了Quovo如何为SoFi开发银行认证API系统,以改善安全性和简化UX。 FinDEVr会议参与者在收藏的FinDEVr 纪念册中给出了这次展示“FinDEVr最受欢迎”奖项。

作为2017年CNBC Disruptor 50的成员之一,SoFi筹集了超过18亿美元的资金,使该公司成为金融科技真正的“独角兽”之一,其股权和债务投资者包括Baseline Ventures,DCM Ventures,Discovery Capital,East West Bank和Morgan Stanley。 随着学生贷款融资的发展,SoFi已经大大扩展,包括抵押贷款、个人贷款、人寿保险和财富管理浢在其提供的服务范围内。 Mike Cagney是该公司首席执行官。

Less than a month after?announcing?its new $105 million?SoFi Prime Income Fund to help raise funds to issue loans, online lending innovator?SoFi?is making headlines again with the?launch?of?SoFi Wealth. The new initiative, the company’s first digital wealth management offering, will allow investors in the U.S. to invest as little as $500 (or a $100 monthly recurring deposit) in automated, low-cost, ETF portfolios. But unlike many roboadvisors, clients of SoFi Wealth will have phone and/or chat access to human financial advisors.

SoFi believes that keeping human advisors as part of the overall investment picture is a plus for investors, especially the younger professionals that are a significant part of the company’s user base. “People love the low fees and automation of robo-advisors, but they struggle with not having an actual human being to talk to when facing big financial questions,” SoFi Wealth general manager, John Gardner said. “That guidance from a live advisor can help give them the confidence they need to start planning for a lifetime of financial success.”

In addition to providing live human advisors, low investment minimums, and access to low-cost automated ETF-based portfolios, SoFi Wealth also charges no management fees for clients who are also SoFi loan borrowers. Others pay a modest management fee of 0.25%, with no charge on the first $10,000 invested. Clients can access their accounts online, as well as via the SoFi Wealth app. Both Android and iOS versions are available.

The company also announced that it is developing a broader range of personal finance and financial planning solutions geared toward first-time home buyers and young families. SoFi anticipates rolling out these products and services over the summer of 2017.

Founded in 2011 and headquartered in San Francisco, California, SoFi made its FinDEVr debut earlier this year at FinDEVr 2017 New York. The company, in partnership with Quovo,?discussed?the challenge of managing consumer financial accounts in a presentation titled,?How Quovo & SoFi Perfected Bank Authentication. The presentation focused on how Quovo developed a bank authentication API for SoFi that both improved security and streamlined UX. FinDEVr attendees?gave?the presentation a FinDEVr Favorites awards in the?Favorite FinDEVr Alum?category.

A?member of CNBC Disruptor 50 for 2017, SoFi has?raised?more than $1.8 billion in funding – making the company one of fintech’s true “unicorns” – and includes Baseline Ventures, DCM Ventures, Discovery Capital, East West Bank and Morgan Stanley among its equity and debt investors. With?origins in student loan financing, SoFi has since expanded significantly to include mortgage lending, personal loans, life insurance, and wealth management among the services it provides. Mike Cagney is CEO.


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cynthia-lian | 未央团队未央编辑团队

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