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Find the Best Retirement Plan for You

Editorial Note: The editorial content on this page is not provided or commissioned by any financial institution. Any opinions, analyses, reviews, statements or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by any of these entities prior to publication.

Saving for retirement seems like a relatively straightforward goal: You know you’ll need money later — so you should save for it now, right? According to a recent Gallup poll, 46% of those not yet retired don’t believe they’ll be financially comfortable when they retire. That means almost half the population wish they were saving more! Part of saving money is knowing where to keep it — and that’s a crowded marketplace! Plus, you also have to consider that you can use more than one retirement account — either throughout your lifetime or at the same time. For instance, you might start out contributing to a Roth 401(k) and move to a 401(k) as your income grows. Or, if you’re a freelancer, you might have a SEP IRA and a Roth IRA at the same time. Anyone with a high deductible health plan can also save to an HSA.

If you’re not sure what retirement plan will get you to the finish line, read on for guidance.

Find the best retirement plans for you. (You’ll find a detailed description of each plan below.)

If you areConsider this
A young worker with modest incomeRoth 401(k)
Eligible for an employer-sponsored plan401(k), Roth 401(k), 403(b), 457(b)
Not covered by an employer-sponsored plan and not self-employedTraditional IRA
Making a modified adjusted gross income of under $137,000 if single or under $203,000 if married and filing jointly (2019)Roth IRA
A freelancer with no employeesSEP IRA, SIMPLE IRA or Solo 401(k)
Nearing retirement age401(k)*, Roth 401(k), HSA
Covered by a high deductible health planHSA
*or 403(b) or 457(b)

401(k) or 403(b)

  • Best for: Any worker whose employer offers a retirement savings account.
  • Contribution limits: $19,000 per year for 2019 if you’re under 50; $25,000 if you’re 50 or older.
  • How it’s taxed: The money goes in pre-tax and you’re taxed on distributions in retirement.

What else you need to know: With a 401(k) or 403(b), you elect to save a certain percentage of your income each year and the money comes out of your paycheck (pre-tax). Many employers offer to match contributions. For example, they might match the first 6% you save at 50%, meaning they’ll contribute 3%. A 401(k) or 403(b) is one of the best and easiest ways to save for retirement since the money gets saved automatically.

457(b)

  • Best for: Any government worker whose employer offers a retirement savings account.
  • Contribution limits: $19,000 per year in 2019 if you’re under 50; $25,000 if you’re 50 or older.
  • How it’s taxed: The money goes in pre-tax and you’re taxed on distributions in retirement.

What else you need to know:
This account works a lot like a 401(k) or 403(b), but it’s specific to state and local government workers. One major difference is that if employers match, their contributions count toward the limit on the plan. Another notable difference is that some plans allow employees to make extra contributions beginning three years before the “normal retirement age,” which is detailed in the plan. The formula used to compute the catch-up amount can be complicated, and some plan administrators simply don’t offer the option.

HSA

  • Best for: Anyone with a high-deductible health plan.
  • Contribution limits: Up to $3,500 per year in 2019 for an individual and $7,000 for a family if you’re under 55. Up to $4,500 for an individual and $8,000 for a family if you’re 55 and older.
  • How it’s taxed: Contributions go into the account pre-tax and if the money is used for eligible medical expenses, distributions are tax-free.

What else you need to know:
If your healthcare is covered by a high-deductible health plan (HDHP), you’re eligible to use a Health Savings Account. The money you save to an HSA is tax-free on both sides (contribution and distribution) as long as it’s used for eligible medical expenses, such as co-pays, prescriptions and other medical bills. The money rolls over each year, so there’s no time limit on using the funds you’ve saved. You can contribute to an HSA at any point up to your tax filing deadline for that tax year.

“Most people aren’t going to itemize their deductions anymore, so they’re not going to get any kind of write-off for medical expenses until they get to a very high level,” said Linda Farinola, a financial planner in Princeton, N.J. “The change in the tax law makes HSAs more attractive.”

Roth 401(k)

  • Best for: Young workers making a more modest income and older workers with a sizable pre-tax retirement nest egg.
  • Contribution limits: $19,000 per year in 2019 if you’re under age 50; $25,000 if you’re 50 or older.
  • How it’s taxed: Your contributions are post-tax, but distributions in retirement are tax free as long as you’re 59 and a half and the funds have been in the account for five years or more.

What else you need to know:
Unlike a Roth IRA, there’s no income cap on who can contribute to a Roth 401(k). The advantage of a Roth 401(k) is that you can save more than three times the allowable amount for a Roth IRA. That being said, no employer matching funds can be contributed to a Roth 401(k), so you’ll want to ensure you’re contributing enough to a regular 401(k) to get any employer match before you elect to save anything else to a Roth.

“It’s really more about money than age when selecting the right 401(k),” said Rose Swanger, a financial planner in Knoxville, Tenn. “For young folks who work in Silicon Valley, a traditional 401(k) may be deemed a better option than a Roth because it helps them lower the tax. On the other hand, for the majority of the folks who just started their career, a Roth 401(k) should be a good starter.”

Roth IRA

  • Best for: Young workers making a modest income. “They’re not really paying that much in taxes now anyway, so they’re not going to get a lot of benefit from the tax deduction now,” said Farinola. It’s also a good idea for older workers with a sizable pre-tax retirement nest egg.
  • Contribution limits: $6,000 per year if you’re under age 50, $7,000 if you’re older than 50.
  • How it’s taxed: Your contributions are post-tax, but distributions in retirement are tax-free as long as you’re 59 and a half and the funds have been in the account for at least five years.

What else you need to know:
To contribute to a Roth IRA account, you must make less than $137,000 as a single person in 2019, or $203,000 if you’re married filing jointly. A Roth account is your best option if you think your taxes are lower than they’ll be in retirement. Younger workers have time on their side, which means their savings can grow tax-free before they withdraw them. A Roth IRA provides income flexibility for older employees who have a large amount of pre-tax savings and high income (and taxes) in retirement. You can also convert a traditional IRA to a Roth no matter your income level.

SEP IRA

  • Best for: Freelancers or small business owners with employees.
  • Contribution limits: You can save up to 25% of your gross annual salary or what equates to about 20% of your adjusted net earnings from self-employment, up to a maximum of $56,000 in 2019.
  • How it’s taxed: Like a traditional IRA, contributions are pre-tax, and distributions are taxed at your income rate at the time of distribution.

What else you need to know:
Because you’re limited to a percentage of your income, a Simplified Employee Pension IRA can be limiting if you’re trying to put more money away. Business owners with employees must save the same percentage of compensation to their SEP IRAs as they do to theirs—so it can be an expensive benefit to offer if you’re hoping to save aggressively for your retirement. If you’re a freelancer, it’s one of the simplest accounts to set up and maintain for yourself.

SIMPLE IRA

  • Best for: Freelancers or small business owners with employees.
  • Contribution limits: Employee contributions (you) cannot exceed $13,000 in 2019 if you’re under 50, or $16,000 if you’re older than 50. Employer contributions (also you) are generally required to match employee contributions on a dollar-for-dollar basis, up to 3% of the compensation.
  • How it’s taxed: Contributions are pre-tax while distributions are taxed at your income rate at the time of distribution.

What else you need to know:
If you’re a small business owner with employees, a SIMPLE IRA (Savings Incentive Match PLan for Employees) allows you and your employees to save for retirement, but your contribution to your account doesn’t have to match theirs (a more reasonable option). If you’re making a modest income, a SIMPLE IRA might let you put more away than you can with a SEP IRA. However, if you’re above a certain income threshold, both the SEP IRA and Solo 401(k) will allow you to save more. (Try this calculator if you’re unsure.)

Solo 401(k)

  • Best for: Freelancers or sole proprietors with no employees except a spouse.
  • Contribution limits: Employee contributions (you) are limited to $19,000 in 2019 if you’re under 50, or $25,000 if you’re older than 50. Employer contributions (also you) are limited to 25% of gross income for corporations or about 20% of net income for a sole proprietorship, not to exceed $56,000. Total contributions cannot exceed $56,000 if you’re under age 50; $62,000 if you’re 50 or older.
  • How it’s taxed: Contributions are pre-tax and distributions are taxed at your income rate at the time of distribution.

What else you need to know:
You can only open this account if you have no employees other than a spouse, but the Solo 401(k) gives you the most flexibility in terms of self-employed retirement savings.

“If you’re self-employed and you have no employees, typically the Solo 401(k) makes sense from a financial perspective,” said Howard Hook, a financial planner and CPA in Princeton, N.J. “Because you can save, dollar for dollar, whereas with a SEP it’s a percentage of your salary.” In other words, if you make $18,500 in net earnings, you can save $18,500. A Solo 401(k) does involve more paperwork, but it’s not drastic.

Traditional IRA

  • Best for: Non-self-employed workers without employer-sponsored retirement accounts.
  • Contribution limits: $6,000 per year in 2019 if you’re younger than 50; $7,000 if you’re older than 50.
  • How it’s taxed: If you and your spouse aren’t covered by a retirement plan at work, contributions to a traditional IRA are fully deductible, and you’ll be taxed on distributions. If you or your spouse are covered by a work retirement plan, deductibility depends on your income, and in some cases, it won’t be deductible at all.

What else you need to know:
A traditional IRA can be a good savings option if you don’t have a retirement plan at work—but experts don’t recommend saving to one if it won’t be deductible. If you do, you must keep track of how much of your IRA is made up of post-tax funds so you won’t be taxed on them again in retirement.

“I see too many people who forget they have after-tax money in there,” said Farinola. “There’s a way to keep track of it as years go by in your tax return each year, but not everybody does, especially people who do their own taxes.”

Some financial planners will make exceptions (by allowing people to contribute to a non-deductible IRA) for high-income earners looking to contribute to a Roth. They can save to a traditional IRA (whether it’s deductible or not) and then convert to a Roth as needed, even if they make too much income to contribute to a Roth IRA. “We call that a backdoor Roth,” added Farinola.

Bottom line

There are multiple ways to save for retirement. Choosing the best account for you will depend on whether you have access to an employer-sponsored plan and how much you want to put away.

A financial planner can help ensure you’re maximizing your retirement savings, but in the end, it’s important to save no matter the amount. “Overall, people are not saving enough,” said Darin Shebesta, a financial planner in Scottsdale, Ariz. “Putting the money away in any account is better than spending it.”

Advertiser Disclosure: The products that appear on this site may be from companies from which MagnifyMoney receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). MagnifyMoney does not include all financial institutions or all products offered available in the marketplace.

Kate Ashford
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Kate Ashford is a writer at MagnifyMoney. You can email Kate here

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Ally Invest Managed Portfolios Review 2019

Editorial Note: The editorial content on this page is not provided or commissioned by any financial institution. Any opinions, analyses, reviews, statements or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by any of these entities prior to publication.

Ally Invest Managed Portfolios is a robo-advisor option from a trusted online-only financial institution.

It can make managing your money simple: Just answer a few basic questions about your goals and risk tolerance and your funds are invested for you. However, while fees are competitive, they aren’t the lowest among other robo-advisors’ offerings.

If you don’t mind the lack of bonus for opening the account, and you want to take a hands-off approach to building wealth, Ally Invest may be a good option.

Ally Invest Managed Portfolios
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The Bottom Line: Ally Invest Managed Portfolios is a decent robo-advisor that’s competitive with other managed portfolios online. But its lack of tax-loss harvesting, and fees that slightly exceed competitors may prompt you to look elsewhere if you’re not already an Ally customer.

  • The minimum deposit to invest in Ally Invest Managed Portfolios is $100
  • The management fee is 0.30%, no matter how high your account balance
  • Customer service is available 24/7, but there are no local branches to visit

Who should consider Ally Invest Managed Portfolios?

If you’re looking for a robo-advisor that allows you to build a diversified portfolio without a lot of advanced knowledge about investing, Ally Invest Managed Portfolios has you covered.

You’ll answer a few questions about your age; timeline for investing and risk tolerance; and whether you’re investing for retirement, wealth-building or a big purchase. Then, Ally Invest comes back with a recommended portfolio you can accept or tweak.

You can open a joint, custodial or Individual taxable account with Ally Invest Managed Portfolios, or can opt for a Traditional IRA, Roth IRA or Rollover IRA. Unfortunately, unlike with Ally Invest’s self-directed accounts, there’s no promotion or bonus for transferring funds into a managed portfolio. And, you’ll need quite a bit of money to get started — more than many competitors in the robo-advisor industry require.

Still, if you don’t mind the lack of brick-and-mortar locations and marginally higher fees, Ally Invest is a worthy competitor to consider when looking for help managing your money.

Ally Invest Managed Portfolios fees and features

Amount minimum to open account
  • $100
Management fees
  • 0.30%
Account fees (annual, transfer, inactivity)
  • $0 annual fee
  • $50 full account transfer fee
  • $50 partial account transfer fee
  • $0 inactivity fee
Current promotions

Ally Invest offers a $50 cash bonus plus free trades if you deposit or transfer at least $10,000. Bonuses go up from there and increase up to a cash bonus of as much as $3,500 if you deposit or transfer at least $2 million in assets.

Account types
  • Individual taxable
  • Traditional IRA
  • Roth IRA
  • 529 Plan
  • Joint taxable
  • Rollover IRA
  • Rollover Roth IRA
  • Coverdell Education Savings Account (ESA)
  • Custodial Uniform Gifts to Minors Act (UGMA)/Uniform Transfers to Minors Act (UTMA)
  • SEP IRA
  • SIMPLE IRA (Savings Incentive Match Plan for Employees)
  • Trust
Portfolio
  • Ally managed portfolios cover 3 asset classes and 9 major market segments
Automatic rebalancing
Tax loss harvesting
Offers fractional shares
Ease of use
Mobile appiOS, Android, Windows Phone
Customer supportPhone, 24/7 live support, Chat, Email

Strengths of Ally Invest Managed Portfolios

Ally Invest Managed Portfolios has some significant advantages worth considering:

  • Investing in a diversified portfolio is easy. You’ll answer basic questions about your investment goals and Ally Invest will suggest a portfolio with an appropriate mix of U.S. and foreign bonds, international and U.S. stocks, and cash. You can also tweak the suggestions Ally Invest Managed Portfolios makes, so you take on more or less risk based on your comfort level.
  • Ally requires a low minimum deposit of just $100 to open a managed portfolio account. While some of Ally’s competitors (such as Betterment) don’t have a minimum deposit requirement at all, $100 still falls on the very low side of the scale and makes this account extremely accessible to new investors.
  • Ally Invest Managed Portfolios offers automatic portfolio rebalancing. This helps to ensure you remain invested in the right mix of assets if certain investments under- or over-perform.
  • Customer service. Ally Invest offers phone, Email, and chat support. Customer service agents are available 24/7 with little or no wait. Agents will do their best to provide answers, although it may take a little time if your questions are technical since you may need to be transferred to an investment advisor.

Drawbacks of Ally Invest Managed Portfolios

You’ll also want to consider the potential downsides of choosing Ally Invest Managed Portfolios.

  • Ally Invest Managed Portfolios charges fees that are slightly higher than several competitors. You’ll pay .30% for Ally’s robo-advisor service, compared with .25% for Betterment’s digital account or for Wealthfront.
  • Ally Invest Managed Portfolios currently does not offer tax loss harvesting, which involves selling investments at a loss to offset taxable gains (although they do offer tax advantaged portfolios which add municipal bonds to Ally’s core portfolios). Competitors such as Betterment do offer this feature. However, Ally representatives indicate tax loss harvesting is expected to be rolled out in 2019 and investors with managed portfolios will be able to transition their accounts into a portfolio with tax loss harvesting.
  • No physical branches. If you’d prefer to go into a branch for local customer support, you’ll need to look elsewhere, such as E-Trade, which has more than 30 branches across the country.
  • Mobile apps aren’t very advanced. While Ally Invest allows you to use mobile apps on iPhone and Android phones to access basic account information, the offered apps aren’t as feature-rich as competitors such as Betterment.

Is Ally Invest Managed Portfolios safe?

Whenever you invest your money, there’s a risk you may lose some or all of it. This is no different with Ally Invest Managed Portfolios. The assets your robo-advisor invests you in could decline in value and your portfolio could lose money.

But Ally Invest is as safe as any trusted online brokerage, and there’s little risk of losing assets if the investment firm goes bankrupt. Ally Invest is in compliance with regulatory requirements according to FINRA’s Broker Check tool. Ally Invest is also a member of the FDIC and SIPC, both of which ensure cash in bank and brokerage accounts respectively.

Final thoughts

Ally Invest Managed Portfolios is a viable choice for investors looking for an easy, hands-off way to invest — especially with its low $100 minimum deposit requirement. Ally also promises to offer a broad range of socially-responsible portfolios, which should interest investors who want to consider more than just financial returns. But the lack of a promotional offer, higher management fees, and the fact tax loss harvesting isn’t currently offered makes Ally a less-than-ideal option for investors looking for the most affordable way to build a diversified portfolio. If you want a lower-cost option that does offer tax-loss harvesting, consider robo-advisors such as Betterment or Wealthfront.

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Advertiser Disclosure: The products that appear on this site may be from companies from which MagnifyMoney receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). MagnifyMoney does not include all financial institutions or all products offered available in the marketplace.

Christy Rakoczy
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Christy Rakoczy is a writer at MagnifyMoney. You can email Christy here

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SogoTrade Review 2019

Editorial Note: The editorial content on this page is not provided or commissioned by any financial institution. Any opinions, analyses, reviews, statements or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by any of these entities prior to publication.

SogoTrade is a relatively new face in the world of discount brokers, having joined the fray in 2010. While less well-known than some of its larger peers, SogoTrade quickly set itself up as a low-cost player that could offer high-volume traders prices that undercut those larger competitors. And even low-volume investors have a way to get those low commissions without significant amounts of trading. SogoTrade is a solid choice for frequent or high-volume traders, such as penny stock traders.

SogoTrade
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The bottom line: SogoTrade offers a low-frills experience at a competitive price.

  • Volume-based pricing that can lower trading costs substantially
  • Discounts on commissions for prepaid trades
  • Limited education and research offerings

Who should consider SogoTrade

SogoTrade really pitches itself to high-volume traders who need a low-cost way to get in and out of the market. If you’re in this demographic, SogoTrade may be for you. The ability to trade up to 100,000 shares for one low flat rate (not including stocks below $1 a share, which have an additional per-share fee) also may lure penny stock traders. Investors who aren’t in these two categories will find SogoTrade a harder sell.

SogoTrade is not especially well-suited to beginners, with limited education and research components, though it does have some of each. Those investors who don’t need those features may still find the broker an apt choice, however, especially if they’re willing to take advantage of SogoTrade’s discounts for prepaid trades.

SogoTrade fees and features

Current promotions

100 free trades in the first 30 days

Stock trading fees
  • $4.88 per trade (fewer than 150 trades per quarter)
  • $2.88 per trade (150 or more trades per quarter)
Option trading fees
  • $4.88 / trade + $0.50 / contract (fewer than 150 trades per quarter)
  • $2.88 / trade + $0.50 / contract (150 or more trades per quarter)
Amount minimum to open account
  • $0
Margin rate range6.25% - 11.00%
Tradable securities
  • Stocks
  • ETFs
  • Mutual funds
  • Options
Account fees (annual, transfer, inactivity)
  • $0 annual fee
  • $75 full account transfer fee
  • $75 partial account transfer fee
  • $50 annual inactivity fee if account drops below $100 and has not made at least one trade
Account types
  • Individual taxable
  • Traditional IRA
  • Roth IRA
  • Joint taxable
  • Coverdell Education Savings Account(ESA)
  • Custodial Uniform Gifts to Minors Act (UGMA)/Uniform Transfers to Minors Act (UTMA)
  • SEP IRA
  • Trust
Commission-free ETFs offered
Mutual funds (no transaction fee) offered
Mobile appiOS, Android
Customer supportPhone, Chat, Email
Research resources
  • SEC filings
  • Mutual fund reports
  • Earnings press releases

Strengths of SogoTrade

  • Volume-based pricing: SogoTrade has a multitiered system for charging commissions — one that’s highly advantageous for frequent traders and even penny stock traders who transact thousands (or even tens of thousands of shares) at a time. SogoTrade’s basic commission is $4.88 per trade — and with Charles Schwab and Fidelity both at $4.95, that’s not substantially different. But if you’re making more than 150 trades per quarter, SogoTrade slashes the fee to just $2.88 per trade (150 or more trades per quarter) . That’s great for high-volume traders. And for penny stock traders? SogoTrade’s commission allows you to trade up to 100,000 shares for the same flat rate, though you’ll have to pay a supplement for stocks trading below $1 per share. That supplemental fee comes to $0.0003 per share (10% of principal max) or 0.25% of principal.
  • Discounts for prepaid trades: Even if you’re not a frequent trader, you can reduce your commission to $3.88 or $2.88 per trade by buying prepaid packs of trades at that rate. SogoTrade allows you to buy 20 trades for $3.88 per trade or 50 trades for $2.88 per trade, and they cover stock trades and the base commission for options. So that could be an attractive (albeit unconventional) option for realizing low-cost trades without trading a lot. However, the prepaid trades are valid for only a year after purchase, so it’s a “use ‘em or lose ‘em” scenario.
  • Low options commissions: Given its rabid focus on low costs, it’s not surprising that SogoTrade also has low commissions on options. Pricing ranges from $2.88 to $4.88, depending on volume or whether you buy prepaid trades. Then options trades tack on a $0.50 per-contract fee, which is toward the lower end of the range. For example, Fidelity and Schwab charge their base rate plus $0.65 per contract. Even the low-cost Interactive Brokers typically charges $0.70 per contract, though with no base commission and volume pricing for very large orders. Always nice for traders executing more complicated options orders, SogoTrade charges only one base rate for multilegged options orders. So those complex three- and four-leg trades won’t ring up any extra base fees.

Drawbacks of SogoTrade

  • Limited education and research: For beginners, the lack of substantial educational support at SogoTrade may be a deal breaker. While there are some resources on the site, the entire education section feels more like an afterthought than a valuable addition to the SogoTrade experience. For example, the site’s educational links refer to articles on a third-party site. Similarly, while the broker offers a research center on its site, it feels too basic — even if it does offer some key functionality, such as identifying stocks at 52-week highs and lows and linking to a company’s press releases and SEC filings. The broker does point you in the direction of a free third-party monthly newsletter and stock reports. These resources may be a place to begin for newer investors, but more experienced traders will already have their own preferred resources lined up, so this likely won’t be much of a drawback for them.
  • Cheap but maybe not cheap enough: There’s no question that SogoTrade is targeting customers who are looking to minimize commissions. But the broker looks somewhat caught in the middle here. For the same base commission, rivals like Schwab provide a better educational and research component. Meanwhile, at the other end, cut-rate brokers can offer lower commissions, with Just2Trade providing $2.50 trades without customers having to pony up for prepaid trades (and no expiration dates on trades either).

Is SogoTrade safe?

SogoTrade is a relatively new player in the discount brokerage space, having debuted in 2010, but that doesn’t mean it’s not covered by the same protections as larger and more well-established brokers. Investors’ accounts are covered by the Securities Investor Protection Corporation (SIPC), which protects their value up to $500,000, including a cash limit of $250,000 in the event that the brokerage ceases to operate.

In addition, the broker’s clearing firm, Apex, has coverage up to an aggregate $150 million, with a maximum of $37.5 million for any single account, including a cash-only maximum of $900,000. Of course, these coverages do not protect against declines in the value of the securities in the portfolio.

Final thoughts

Cheap trades really are the priority at SogoTrade, and it shows throughout the website. If you’re a high-volume trader and can meet SogoTrade’s quarterly trade threshold, you may find a home here with the broker’s $2.88 fees. Even lower-volume traders who don’t mind the clunkiness of prepaying for trades may find SogoTrade interesting.

Still, SogoTrade seems caught in the middle of the market, especially for newer investors and many low-volume traders. Its service doesn’t offer enough education and research, relative to Schwab and Fidelity, for its base commission, and it’s not as cheap as other discount rivals such as Just2Trade and eOption (especially for options trades), brokers that are just as cutthroat about costs.

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Advertiser Disclosure: The products that appear on this site may be from companies from which MagnifyMoney receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). MagnifyMoney does not include all financial institutions or all products offered available in the marketplace.

James F. Royal, Ph.D.
James F. Royal, Ph.D. |

James F. Royal, Ph.D. is a writer at MagnifyMoney. You can email James here

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