Invest

No Market Volatility

Estimated 6.5-10% Returns1

No Management Fees

World Class Analytics

Social Good

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Begin Investing
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No More Stock Market Dips

With Soma’s Investment Protection feature, your investments are protected against losses.2 If a borrower stops repaying you, we’ll reimburse you up to 100% of the outstanding balance at default.

We believe people should not be forced to choose between stock market dips and low returns from bank CDs. The typical stock market return looks like a mountain-top: sharp inclines and declines in an upward direction. Soma’s goal is to flatten the mountain-top and remove sharp declines.

Browse

Browse investment opportunities.

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Step 1
Protect

View protection levels.

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Step 2
Select

Select investment(s).

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Step 3
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Something to Smile About

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0 Management Fees

Compared to .25 - 1.00%+ from our competitors.7

Earn Soma Points

Earn Soma Points when you make your first investment, for each investment you make thereafter, and when you refer a friend.

Redeem for gift cards and Soma gifts.

Earn 2x the points on your first investment and for referring a friend.

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We want you to invest on our platform!

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1 An investor may experience a return less than 6.5-10%. The advertised estimated returns are based on a combination of historical federal reserve default rates for unsecured and credit card loans and our Investment Protection payout modeling.
2 We make every effort to make investors ‘whole’ according to our Investment Protection service policy, but our Investment Protection feature does not guarantee repayment if a borrower stops paying. The investments and services offered by us may not be suitable for all investors. If you have any doubts as to the merits of an investment, you should seek advice from an independent financial advisor.
3 Investment returns we researched and observed are from select investment platforms, including from our nearest competitors. You may find investing platforms that offer returns greater than what we describe on our site.
4 The Dow Jones Industrial index return is according to WealthSimple. WealthSimple took the annualized average return of the Dow benchmark for the 20 years ending June 30, 2019.
5 The S&P500 index return is according to WealthSimple. WealthSimple took the annualized average return of the S&P500 benchmark for the 20 years ending June 30, 2019.
6 The 1-Year average CD rate is according to NerdWallet and subject to change.
7 Management fees we researched and observed are from select investment platforms, including from our nearest competitors and from different brokerage services. You may find investing platforms that charge lower fees than what we describe on our site.