| |  | | August 29, 2025 | | | | | | | | | | Congratulations on making it to part three of our Retirement Power-Up Challenge! (Our regular On the Money newsletter programming will resume Wednesday, Sept. 3.) I'm Sam Soland, senior writer at SoFi, and together we've found your freedom number, identified your savings gap, and taken action in your investment account. Now, it's time to lock in the mindset that will keep you moving forward. Because investing for retirement is a marathon, not a sprint. | | | | | | | | Perspective for the Long Term | | | Day-to-day market headlines can overwhelm investors, tempting them into kneejerk reactions, like selling during a drop or chasing a stock that's surging. But investing for retirement is a long game. Decisions rooted in your personal financial goals will help insulate you from day-to-day noise and navigate market shifts with confidence.
Your objectives and time horizon — two topics we addressed in part one of this challenge — are key parts of this strategy. Another is your risk tolerance.
Every investment comes with a certain degree of risk, but some are riskier than others, and there is often a tradeoff between risk and reward. Developing an understanding of your personal risk tolerance can both help you make better-informed decisions about your money and give you peace of mind about the path you're on. | | | | | | | | Find Your Risk Tolerance | Knowing your risk tolerance is like having a compass for your investing journey. It helps you avoid taking on more risk than you can stomach, while still aiming for returns that meet your goals. SoFi's risk tolerance quiz – which should take you less than two minutes to complete – takes into account your time horizon, biggest financial priorities, and capacity for volatility to help you determine where you fall on the spectrum: aggressive, moderate, or conservative.
There are a few reasons that matters: - Shapes your portfolio: Your mix of stocks, bonds, and other investments should reflect how much volatility you can handle. A higher tolerance may allow you to embrace growth assets like stocks, while a lower tolerance may lead you toward the relative stability of bonds or money market funds.
- Keeps your emotions in check: When markets swing, investors who don't understand their own risk tolerance and how it's reflected in their portfolio are more likely to panic-sell at the worst time. Knowing where you stand and why helps you stay calm and stick to your plan.
- Aligns with your goals: If you need money in the near term (say, for a home down payment), your investments should reflect that through lower risk and easy accessibility. But if you're saving for a retirement that's decades away, you may more easily tolerate ups and downs in the market to capture long-term growth.
- Prevents regret: Investing in ways that don't align with your risk tolerance can leave you second-guessing yourself — either wishing you'd been more aggressive or regretting taking on too much. A thoughtful strategy will help you feel comfortable and remain consistent.
Take our 90-second quiz here.
Knowing your risk tolerance helps you balance peace of mind with opportunity, so you can stay invested long enough for your strategy to work. And now that you have a sense of where you stand, you can take the next step. Put this newfound perspective into action by having a conversation with a financial advisor or leveraging a robo advisor to automate your investments. | | | | | | | | "When making a decision about how to build a portfolio, keep in mind that risk and reward are two sides of the same coin. You cannot have one without the other." | | — Brian Walsh, Head of Financial Planning at SoFi | | | | | | | | | | Congratulations! Over the past week, you've powered up your retirement savings journey by taking action and learning about yourself. Now you can put that knowledge to work. With a solid strategy, the right tools, and a long-term mindset, you're ready to build a future you can look forward to. | | | | | | | | Intel, insights, and inspo for your money. | | On the Money cuts through the noise of day‑to‑day financial news to bring you a more thoughtful point of view on what's important in this moment — and how it impacts your bottom line. We value your trust above all. | | | | | | | | | | Did you find today's newsletter valuable? | | | | |
| | | | INVESTMENTS ARE NOT FDIC INSURED ‑ ARE NOT BANK GUARANTEED ‑ MAY LOSE VALUE | | SoFi Checking and Savings accounts are offered by SoFi Bank, N.A., Member FDIC. SoFi Credit Cards are issued by SoFi Bank, N.A. pursuant to license by Mastercard® International Incorporated.
Loans originated by SoFi Bank, N.A., NMLS #696891 (www.nmlsconsumeraccess.org). Equal Housing Lender.
Brokerage products offered through SoFi Securities LLC, member FINRA/SIPC.
Advisory services are offered through SoFi Wealth LLC, an SEC-registered investment adviser. Information as of August 2025 and is subject to change. Screen images simulated.
Terms and conditions apply*. For 401k rollovers, existing SoFi IRA members must complete 401k rollovers via this link. For SoFi members without a SoFi IRA, a SoFi IRA must first be opened, and 401k rollover must be completed utilizing Capitalize via this link. SoFi and Capitalize will charge no additional fees to process a 401(k) rollover to a SoFi IRA. SoFi is not liable for any costs incurred from the existing 401k provider for rollover. Please check with your 401k provider for any fees or costs associated with the rollover. For IRA contributions, only deposits made via ACH and cash transfer from SoFi Bank accounts are eligible for the match. Click here for the 1% Match terms and conditions.
SoFi Invest encompasses two distinct companies, with various products and services offered to investors as described below:
1) Automated Investing and advisory services are provided by SoFi Wealth LLC, an SEC-registered investment adviser ("SoFi Wealth"). Brokerage services are provided to SoFi Wealth LLC by SoFi Securities LLC.
2) Active Investing and brokerage services are provided by SoFi Securities LLC, Member FINRA (www.finra.org)/SIPC (www.sipc.org). Clearing and custody of all securities are provided by APEX Clearing Corporation.
Individual customer accounts may be subject to the terms applicable to one or more of these platforms. For additional disclosures related to the SoFi Invest platforms described above please visit SoFi.com/legal.
Neither the Investment Advisor Representatives of SoFi Wealth, nor the Registered Representatives of SoFi Securities are compensated for the sale of any product or service sold through any SoFi Invest platform.
For a full listing of the fees associated with Sofi Invest, please view our fee schedule. | Advisory services are offered by SoFi Wealth LLC, an SEC-registered investment adviser. Information about SoFi Wealth's advisory operations, services, and fees is set forth in SoFi Wealth's current Form ADV Part 2 (Brochure), a copy of which is available upon request and at www.adviserinfo.sec.gov.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®.
¹Unlimited financial planning: SoFi Plus members can schedule an unlimited number of appointments with a financial planner during periods in which the SoFi Plus member meets the eligibility criteria set forth in section 10(a) of the SoFi Plus Terms and Conditions. SoFi members who are not members of SoFi Plus can schedule one (1) appointment with a financial planner. The ability to schedule appointments is subject to financial planner availability. SoFi reserves the right to change or terminate this benefit at any time with or without notice. Advisory services are offered by SoFi Wealth LLC, an SEC-registered investment adviser. Information about SoFi Wealth's advisory operations, services, and fees is set forth in SoFi Wealth's current Form ADV Part 2 (Brochure), a copy of which is available upon request and at www.adviserinfo.sec.gov.
SoFi Plus: SoFi Plus is a premium membership that gives members access to our best APY, discounts, rewards, and more when they set up Eligible Direct Deposit or pay the SoFi Plus Subscription Fee. Benefits are subject to change and may not be available to everyone. All terms and conditions applicable to the use of SoFi Plus apply. To learn more about SoFi Plus and available benefits and terms, please see the SoFi Plus page.
Advisory services are offered by SoFi Wealth LLC, an SEC-registered investment adviser. Information about SoFi Wealth's advisory operations, services, and fees is set forth in SoFi Wealth's current Form ADV Part 2 (Brochure), a copy of which is available upon request and at www.adviserinfo.sec.gov.
Third-Party Brand Mentions: No brands, products, or companies mentioned are affiliated with SoFi, nor do they endorse or sponsor this article. Third-party trademarks referenced herein are property of their respective owners.
External Websites: The information and analysis provided through hyperlinks to third-party websites, while believed to be accurate, cannot be guaranteed by SoFi. Links are provided for informational purposes and should not be viewed as an endorsement.
In our efforts to bring you the latest updates on things that might impact your financial life, we may occasionally enter the political fray, covering candidates, bills, laws and more.
Please note: SoFi does not endorse or take official positions on any candidates and the bills they may be sponsoring or proposing. We may occasionally support legislation that we believe would be beneficial to our members, and will make sure to call it out when we do. Our reporting otherwise is for informational purposes only, and shouldn't be construed as an endorsement.
The information provided is general in nature and shouldn't be construed as a recommendation or solicitation of any products offered by SoFi's afliates and subsidiaries. Addtionally, this information is by no means meant to provide investment or financial advice, nor is it intended to serve as the basis for any investment decision or recommendation to buy or sell any asset.
SoFi Technologies, Inc. values your privacy and the security of your personal information so please do not include sensitive personal information, such as your Social Security number, in any email or letter that you send to us.
SoFi Technologies, Inc. 234 1st St., San Francisco, CA 94105
Unsubscribe | Privacy Policy | Licenses
© 2025 SoFi Technologies, Inc. All rights reserved.
w: 20250829 | | | |
No comments: