GET DAILY SIGNALSSFY vs SFYF: Evaluating SoFi's Large-Cap Growth ETFs Side by Side
Key Takeaways
- SFY tracks the Solactive SoFi US 500 Growth Index, holding roughly 500 large-cap U.S. companies weighted by a proprietary mix of market capitalization and growth factors, while SFYF tracks just 50 names selected from SoFi member brokerage activity.
- Cost and scale diverge sharply: SFY carries a 0.05% net expense ratio (with fee waivers) and several hundred million dollars in assets, versus a 0.29% expense ratio and a much smaller asset base for SFYF.
- Risk profiles differ materially: SFY offers broad, diversified exposure, while SFYF is concentrated, with its top 10 holdings representing more than half of the portfolio and elevated single-stock sensitivity.
- Thematic positioning varies: both funds lean heavily into technology, but SFYF adds notable consumer-discretionary and retail-investor-favored names, including TSLA and PLTR.
- Liquidity favors SFY, which trades with tighter spreads and higher average volume than the smaller, less liquid SFYF.
- Tickeron AI Verdict: based on cost efficiency, diversification, trend consistency, and structural strength, Tickeron's AI would favor SFY as the more robust choice of the two.
Why Compare These Two SoFi ETFs?
Both SFY and SFYF are issued by SoFi and target U.S. large-cap growth, making them natural candidates for a head-to-head ETF comparison. Yet the two funds are built on fundamentally different rules. SFY is a broad, rules-based portfolio spanning the 500 largest U.S.-listed companies, while SFYF is a "social" index that follows the 50 stocks most widely held in self-directed SoFi brokerage accounts. This structural gap creates meaningful differences in sector exposure, concentration, cost, and risk—differences that matter when assessing relative positioning in the current market environment. I checked the holdings overlap using Tickeron’s AI tools to confirm the divergence.
SoFi Select 500 ETF (SFY) Overview
SFY seeks to track the Solactive SoFi US 500 Growth Index, a rules-based benchmark of the 500 largest U.S.-listed companies weighted by a proprietary combination of market capitalization and fundamental growth characteristics. The fund is passively managed and typically holds around 500 to 504 securities. Its top positions are dominated by mega-cap technology: NVDA, MSFT, AAPL, AVGO, MU, and AMZN rank among the largest weights. Sector allocation skews heavily toward technology, which has recently represented roughly 42% to 47% of the portfolio, followed by healthcare, financial services, and communication services. The fund's gross expense ratio is 0.19%, but fee waivers reduce the net expense ratio to 0.05%, making it among the lowest-cost large-cap growth ETFs. SFY benefits from substantial scale, tighter bid-ask spreads, and broad single-stock diversification. A quick scan with Tickeron’s AI Screener helped put these metrics in context with peers.
SoFi Social 50 ETF (SFYF) Overview
SFYF tracks the SoFi Social 50 Index, a rules-based benchmark composed of the 50 U.S.-listed stocks most widely held in self-directed brokerage accounts at SoFi Securities. Holdings are rebalanced monthly and weighted according to the dollar amount members have invested in each name, so the fund's composition reflects retail investor conviction rather than a traditional fundamental screen. The portfolio typically holds around 50 securities, with top positions including TSLA, AMZN, NVDA, AMD, AAPL, MSFT, and PLTR. Technology is the largest sector at roughly 34% to 39%, with consumer discretionary adding a substantial 21% to 26%. The expense ratio is 0.29%, and the fund's asset base is considerably smaller, which contributes to wider spreads and lower average daily volume. The concentrated top-10 weighting—more than half of the portfolio—amplifies single-stock risk.
Industry and Thematic Backdrop
Both funds operate squarely within the U.S. large-cap growth theme, which has been shaped in recent cycles by artificial-intelligence investment, semiconductor demand, and shifting interest-rate expectations. Mega-cap technology and AI-adjacent names have driven a meaningful share of index-level gains, benefiting both funds given their heavy tech exposure. However, concentration and valuation sensitivity have also risen, leaving growth portfolios more reactive to earnings revisions and rate moves. For SFYF, the added tilt toward retail-favored names such as TSLA and RIVN introduces extra exposure to consumer sentiment and momentum-driven flows, while SFY's broader base offers more insulation from any single theme's reversal.
Performance and Positioning Comparison
Over recent months and market cycles, both ETFs have participated in the broader large-cap growth rally, but with different volatility profiles. SFY's diversification has generally translated into steadier, more consistent fund performance, with annualized volatility notably below SFYF's. SFYF, by contrast, has shown higher beta and wider swings, reflecting its concentrated top holdings and heavier weighting in high-momentum, retail-favored stocks. When technology and AI leadership broadens, SFY tends to capture gains across a wider set of names; when sentiment toward a few mega-cap or meme-adjacent stocks stalls, SFYF is more vulnerable to drawdowns. From a relative positioning standpoint, SFY offers lower cost and broader exposure, while SFYF offers a more aggressive, conviction-weighted expression of the same growth theme.
Using Tickeron Tools for ETF Analysis
When evaluating funds like these, I often rely on Tickeron’s AI Screener to filter ETFs by cost, holdings concentration, sector exposure, and historical volatility in one view. It helps surface relative strengths quickly without manual data pulls, which is especially useful when deciding between a broad index like SFY and a more targeted option like SFYF.
Tickeron AI Verdict
Weighing cost efficiency, diversification, liquidity, and trend consistency, Tickeron's AI would likely favor SFY over SFYF. SFY pairs a low 0.05% net expense ratio with exposure to roughly 500 names, reducing single-stock concentration risk while still capturing the dominant technology and growth leadership that has driven recent market cycles. SFYF's higher 0.29% fee, smaller asset base, wider spreads, and heavy top-10 concentration introduce additional structural and volatility risks that are not offset by materially more consistent returns. While SFYF can outperform during sharp rallies in retail-favored momentum names, its positioning is more fragile across a full market cycle. On a probabilistic, risk-adjusted basis, the AI's structural analysis points to SFY as the more dependable choice.
Disclaimer
The information on this webpage is provided for general informational and educational purposes only and is not intended as investment advice, a recommendation to purchase or sell any security, or an offer or solicitation related to investments. It does not consider your personal financial situation, goals, or risk profile, and all investing carries inherent risks, including the possibility of losing your entire investment. For more details, please review our full disclaimer.
Contributor
I’m a trader and independent researcher. My interest lies at the intersection of financial markets, algorithms, and capital management. I develop data-driven tools and strategies and study algorithmic approaches to market analysis. I help turn complex market data into clear insights and practical systems. I believe technology should support, not replace, investment thinking
SFY in upward trend: price may jump up because it broke its lower Bollinger Band on November 05, 2026
SFY may jump back above the lower band and head toward the middle band. Traders may consider buying the stock or exploring call options. In 36 of 39 cases where SFY's price broke its lower Bollinger Band, its price rose further in the following month. The odds of a continued upward trend are 90%.
Technical Analysis (Indicators)
Bullish Trend Analysis
The RSI Oscillator points to a transition from a downward trend to an upward trend -- in cases where SFY's RSI Indicator exited the oversold zone, 24 of 27 resulted in an increase in price. Tickeron's analysis proposes that the odds of a continued upward trend are 89%.
The Stochastic Oscillator suggests the stock price trend may be in a reversal from a downward trend to an upward trend. 42 of 47 cases where SFY's Stochastic Oscillator exited the oversold zone resulted in an increase in price. Tickeron's analysis proposes that the odds of a continued upward trend are 89%.
Following a +3.90% 3-day Advance, the price is estimated to grow further. Considering data from situations where SFY advanced for three days, in 290 of 352 cases, the price rose further within the following month. The odds of a continued upward trend are 82%.
Bearish Trend Analysis
The Momentum Indicator moved below the 0 level on October 29, 2026. You may want to consider selling the stock, shorting the stock, or exploring put options on SFY as a result. In 66 of 78 cases where the Momentum Indicator fell below 0, the stock fell further within the subsequent month. The odds of a continued downward trend are 85%.
The Moving Average Convergence Divergence Histogram (MACD) for SFY turned negative on October 14, 2026. This could be a sign that the stock is set to turn lower in the coming weeks. Traders may want to sell the stock or buy put options. Tickeron's A.I.dvisor looked at 49 similar instances when the indicator turned negative. In 37 of the 49 cases the stock turned lower in the days that followed. This puts the odds of success at 76%.
SFY moved below its 50-day moving average on October 29, 2026 date and that indicates a change from an upward trend to a downward trend.
The 10-day moving average for SFY crossed bearishly below the 50-day moving average on October 23, 2026. This indicates that the trend has shifted lower and could be considered a sell signal. In 11 of 14 past instances when the 10-day crossed below the 50-day, the stock continued to move higher over the following month. The odds of a continued downward trend are 79%.
Following a 3-day decline, the stock is projected to fall further. Considering past instances where SFY declined for three days, the price rose further in 50 of 62 cases within the following month. The odds of a continued downward trend are 75%.
The Aroon Indicator for SFY entered a downward trend on November 12, 2026. This could indicate a strong downward move is ahead for the stock. Traders may want to consider selling the stock or buying put options.
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