SoFi's Composer by SoFi lets individual investors build AI trading strategies

SoFi Technologies Inc. unveiled 'Composer by SoFi,' an AI-powered platform designed to give individual investors the ability to generate personalized trading strategies based on natural language inputs. Users simply type a sentence describing their market outlook—e.g., 'I think tech stocks will outperform this quarter'—and the system builds a corresponding strategy, backtests it against historical data, and allows automated execution at frequencies up to daily. CEO Anthony Noto clarified that the AI does not make independent decisions with user funds; it serves as an advisory and automation layer, leaving ultimate control with the investor. This positions SoFi's offering as a middle ground between fully autonomous AI trading and manual execution.

The launch places SoFi alongside a growing cohort of retail brokerages integrating generative AI into their platforms, including Robinhood's AI-powered research features and Charles Schwab's AI portfolio tools. Composer by SoFi leverages natural language processing to lower the barrier for strategy development, making sophisticated backtesting and automation accessible to non-experts. For professionals, this signals a shift toward AI-assisted personal finance, where investors can codify their intuition into actionable, testable algorithms. The tool's key selling point is its transparency: users see exactly how strategies perform historically before committing capital, and can override automation at any time. As retail investing becomes more algorithmically driven, SoFi's Composer offers a controlled entry point for those exploring AI in trading without surrendering decision-making control.