SOFI vs VOO: which was the better investment?
SoFi Technologies, Inc. against Vanguard S&P 500 ETF on real daily total-return data — every dividend reinvested, from Jan 4, 2021 to Jul 15, 2026.
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Frequently asked questions
Did SOFI beat VOO?
No — measured from Jan 4, 2021 to Jul 15, 2026 with dividends reinvested, VOO came out ahead: $22,118 versus $15,184 from a $10,000 start. That gap compounds from a 15.5% annual return against 7.9%.
What would $10,000 in SOFI be worth today?
$10,000 invested in SoFi Technologies, Inc. (SOFI) on Jan 4, 2021 would be worth about $15,184 as of Jul 15, 2026, a total return of 51.8% (7.9% per year). The same $10,000 in VOO would be worth $22,118.
Which was riskier — SOFI or VOO?
SOFI swung with an annualized volatility of 72.1% and a worst peak-to-trough drop of -83.3%; VOO ran at 16.6% volatility with a -24.5% maximum drawdown. Risk-adjusted (Sharpe ratio), that is 0.08 for SOFI vs 0.81 for VOO.
What data is this comparison based on?
Daily adjusted closing prices covering Jan 4, 2021 through Jul 15, 2026 — the full period where both assets have price history. Adjusted prices include dividends and splits, so these are total returns. The page refreshes with new market data every day.
Can I change the dates, amounts, or add monthly investing?
Yes — the interactive tool on this page is pre-loaded with SOFI vs VOO. You can set any start and end date, change the starting amount, add monthly contributions, or build a multi-asset portfolio and compare it against any benchmark.