Composer (by SoFi)

About this tool

Composer is an investing app for people who want to trade by rules rather than by impulse, and its site now carries the Composer by SoFi name. You explain your goal, your idea and how much risk you can accept in plain language, and an AI-assisted editor drafts a strategy, which Composer calls a symphony. You can also begin from ready-made strategies grouped by theme, such as long-term or technology-focused, or from strategies that other users have shared.

Every strategy remains editable in a visual editor that needs no code. You can replace assets, choose a weighting method such as equal weights, inverse volatility or market capitalisation, add if-then conditions, and filter a pool of candidates down to those meeting your criteria. Backtests compare a strategy with a benchmark or another strategy and account for fees and slippage, while an allocation chart shows how the holdings would have shifted over time.

Composer itself acts as the brokerage: you open and fund an account in the app, including traditional and Roth retirement accounts, and it trades and rebalances automatically. It advertises no trading commissions and no management fee, while regulatory fees apply when securities are sold. Plans differ mainly in how many strategies you can automate and how complex they may be; Pro adds API access, manual overrides and earlier trade timing.

What you can do

Who is it for?

• An investor turns a written rule, such as rotating between sectors on momentum, into an automated strategy.
• A hobbyist backtests several variations of a portfolio before funding the best-performing one.
• A developer on the Pro plan pulls data and runs backtests through the API.

Frequently asked questions