At a glance
SFYF charges 0.29% a year, above the 0.28% average of the 8 funds most like it (the 7th cheapest of 9). It has $42.5M in assets, the 9th largest of that group; it paid 0.34% of its price in distributions over the past 12 months, semiannual. Over the past year it returned +12.7% with distributions reinvested (S&P 500: +11.5%), 2nd of those 9 funds; over three years it returned +38.8% a year. At its worst it fell 41.1% in the 2020 crash (S&P 500: 33.7%) and 44.5% in the 2022 bear market (S&P 500: 24.5%), and was back at its earlier high 4 months and 21 months after the lows. Its ten largest positions make up 54.3% of the fund, out of 50 in all.
The short version
SoFi Social 50 ETF (SFYF) tracks the SoFi Social 50 Index. The index holds the 50 U.S.-listed stocks most widely held in more than 3.1 million self-directed SoFi brokerage accounts, as of June 1, 2026. Because retail investors' popularity sets the picks, the fund leans heavily on names like Tesla and NVIDIA, and it swings hard: it lost 47.7% in 2022. Its 0.29% expense ratio is close to the 0.28% average of similar funds.
Price history
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SFYF +12.7% over the year to Oct 27, 2026, total return with distributions reinvested.
How it has behaved
| YTD | 1 yr | 3 yr | 5 yr | 10 yr | Since start | |
|---|---|---|---|---|---|---|
| SFYF official prospectus, to Dec 31, 2025 | — | +28.87% | — | +15.89% | — | +17.59% |
| SFYF price data to Oct 27, 2026 | +15.5% | +12.7% | +38.8% | +11.2% | — | +17.8% |
- Over the year to Oct 27, 2026, SFYF returned +12.7%, 2nd of 9 among similar funds.
- Its 5-year annualized return was +11.2%.
- In the 2020 COVID crash it fell 41.1% and regained its old high 3.9 months after the low.
- Its worst full calendar year was 2022 (-47.7%); its best was 2023 (+56.8%).
- The deepest fall in its price history was 56.1% (Nov 8, 2021 to Dec 28, 2022), recovered by Nov 8, 2024.
Show as a table
| Year | Price data | Prospectus (official) |
|---|---|---|
| 2026 (to date) | +15.5% | — |
| 2025 | +30.0% | +29.87% |
| 2024 | +44.6% | +44.44% |
| 2023 | +56.8% | +56.84% |
| 2022 | -47.7% | -47.68% |
| 2021 | +35.8% | +35.82% |
| 2020 | +33.6% | +33.51% |
| 2008 financial crisis stocks fell Oct 9, 2007 – Mar 9, 2009 | Before this security existed |
|---|---|
| 2020 COVID crash stocks fell Feb 19, 2020 – Mar 23, 2020 | Lost 38.9% over that stretch · deepest drop along the way 41.1%, back to its old high 3.9 months after the low |
| 2022 bear market stocks fell Jan 3, 2022 – Oct 12, 2022 | Lost 44.2% over that stretch · deepest drop along the way 44.5%, back to its old high 20.8 months after the low |
Dividends and income
Show as a table
| Year | Per share | Change |
|---|---|---|
| 2026 (to date) | $0.1300 | |
| 2025 | $0.1800 | +28.6% |
| 2024 | $0.1400 | -72.5% |
| 2023 | $0.5100 | +121.7% |
| 2022 | $0.2300 | +130.0% |
| 2021 | $0.1000 | -9.1% |
| 2020 | $0.1100 |
What's inside
As of Aug 31, 2026, the fund held 50 securities; the ten largest made up 54.31% of assets. It also reported 10.64% in a money-market fund, most likely cash collateral from lending out shares rather than uninvested money.
| Holding | Weight | |
|---|---|---|
| Tesla Inc | 10.61% | |
| NVIDIA Corp | 7.43% | |
| Amazon.com Inc | 7.09% | |
| Palantir Technologies Inc | 5.38% | |
| SPACEX | 4.71% | |
| Micron Technology Inc | 4.14% | |
| Berkshire Hathaway Inc | 3.93% | |
| Microsoft Corp | 3.88% | |
| Apple Inc | 3.64% | |
| Advanced Micro Devices Inc | 3.51% | |
| Alphabet Inc | 3.39% | |
| Costco Wholesale Corp | 2.88% | |
| Rivian Automotive Inc | 2.67% | |
| Meta Platforms Inc | 2.65% | |
| TSMC | 2.28% |
By country
United States 96.1%Taiwan 2.28%Canada 1.2%Finland 0.26%By asset type
Stocks 99.84%By sector
Sectors of the companies held, for the 81.5% of the fund in companies that have a stock page here; other holdings and cash aren't classified. Source: N-PORT holdings report as of Aug 31, 2026. Cash, money-market funds and derivatives are shown separately from the securities list.What changed recently
- Over the three months to Aug 31, 2026, investors added a net $0.00 (creations minus redemptions, per the N-PORT report).
- Monthly total returns reported for that quarter: -4.51%, -5.06%, +7.46%.
How it works
SFYF is an index fund. It follows a fixed set of rules and does not rely on a manager's judgment. Solactive AG owns and runs the SoFi Social 50 Index. SoFi wrote the original rules but plays no part in maintaining the index. To qualify, a stock must be U.S.-listed, held in SoFi's self-directed accounts, and trade an average of at least $10 million a day over the prior one and six months. REITs (real estate investment trusts) can qualify. ETFs cannot.
Qualifying stocks are ranked by how many SoFi accounts hold them and by the total dollar value held. The top 50 make the index. A "buffer rule" keeps stocks near the cutoff from moving in and out too often. Each stock's weight follows that same holdings value, with caps of 10% per stock and 50% per sector. The index is rebalanced and reset every month, and portfolio turnover was 51%. Weights can drift between resets: Tesla made up 10.6% of the fund as of August 31, 2026.
The fund generally buys every stock in the index and keeps at least 80% of its assets in them. It uses no leverage, options or swaps. It held no derivatives as of August 31, 2026.
What it really costs
- SFYF charges 0.29% a year, versus an average of 0.28% for the similar funds below (7th of 9, cheapest first).
- Using the prospectus's standard example, $10,000 invested would cost about $30 in the first year and $368 over 10 years (assuming a 5% annual return).
| Cost of $10,000 (SEC example) | 1 yr | 3 yrs | 5 yrs | 10 yrs |
|---|---|---|---|---|
| SFYF | $30 | $93 | $163 | $368 |
In a retirement portfolio
Its 50 stocks are chosen by popularity among SoFi's retail investors, it is heavily weighted toward Tesla and technology, and it moved about 1.5 times as much as the market over the year to October 27, 2026, so it may suit a small side position rather than a foundation.
SFYF holds the 50 stocks most widely held in SoFi customers' brokerage accounts, and it swings hard. Launched in 2019, it has no 2008 record. It fell 41.1% in the 2020 COVID crash, recovering in about 3.9 months. In the 2022 bear market it fell 44.5% and took 20.8 months to recover. Its worst calendar year was 2022, down 47.7%. Its deepest drop, 56.1% from November 2021 to December 2022, took 22.4 months to recover. Selling shares or drawing income during such a stretch would lock in heavy losses.
The yield was just 0.34% over the year to October 27, 2026, paid twice a year. The yearly fee is 0.29%, near the 0.28% average of similar funds; on $10,000, the SEC's standard example shows $30 in year one and $368 over 10 years. Past results don't predict the future, and planning means weighing the whole portfolio, not one fund.
Who it may suit — and who should look elsewhere
May suit
- Investors who want a small, rules-based position in the 50 stocks retail investors hold most, led by Tesla, NVIDIA and Amazon.
- Long-term holders who can live with sharp drops like 2022's -47.7% in exchange for big rebounds like 2023's 56.8% gain.
- Investors who want a growth tilt and can accept 0.29% a year, about the 0.28% average of similar funds.
Look elsewhere if
- Retirees who need income: the yield was 0.34% as of October 27, 2026, and payments arrive only twice a year.
- Cost-focused investors: SPYG charges 0.04% and VOOG charges 0.07% for overlapping large-cap growth exposure.
- Investors who prefer larger funds: SFYF had about $42.5 million in net assets as of August 31, 2026, the smallest in its peer group.
Close alternatives
Matched by holdings overlap from the latest N-PORT reports.
| Fund | Overlap | Cost | Net assets | 1 yr | 3 yr |
|---|---|---|---|---|---|
| SFYF this fund | — | 0.29% | $42.5M | +12.7% | +38.8% |
| TOPT iShares Top 20 U.S. Stocks ETF | 51% | 0.2% | $657.2M | +12.2% | — |
| XLG Invesco S&P 500® Top 50 ETF | 49% | 0.2% | $10.56B | +6.9% | +25.3% |
| QTOP iShares Nasdaq Top 30 Stocks ETF | 49% | 0.2% | $300.0M | +16.1% | — |
| PJFG PGIM Jennison Focused Growth ETF | 47% | 0.75% | $140.3M | +3.6% | +25.2% |
| WINN Harbor Long-Term Growers ETF | 43% | 0.57% | $1.13B | +5.5% | +25.4% |
| SPYG SPDR Portfolio S&P 500 Growth ETF | 43% | 0.04% | $52.99B | +7.2% | +25.3% |
| IVW iShares S&P 500 Growth ETF | 43% | 0.18% | $74.97B | +7.0% | +25.2% |
Questions investors ask
Is SFYF good for retirement?
SFYF fits better as a small, higher-risk part of a retirement portfolio than as a core holding. It holds 50 popular growth stocks, with Tesla at 10.6% as of August 31, 2026. It fell 56.1% from November 2021 to December 2022 and took until November 2024 to fully recover. Through December 31, 2025, it returned 15.89% a year over five years. Its 0.34% yield adds little income.
What are SFYF's top holdings?
As of August 31, 2026, the largest holdings were Tesla (10.6%), NVIDIA (7.4%), Amazon (7.1%), Palantir (5.4%), SpaceX (4.7%) and Micron (4.1%). Berkshire Hathaway, Microsoft, Apple and AMD round out the top 10. Together, the top 10 made up 54.3% of the fund. Technology was the biggest sector at 32.1%, followed by consumer discretionary at 18.6%.
Does SFYF pay dividends?
Yes, but not much. SFYF pays dividends twice a year. Over the 12 months to October 27, 2026, it paid about $0.22 per share, a yield of 0.34%. That's low because many of its largest holdings, such as Tesla, Palantir and Amazon, reinvest their profits instead of paying large dividends. Investors looking for steady income from a fund will find little here.
How does SoFi pick the stocks in SFYF?
Neither SoFi nor a fund manager picks the stocks one by one. The index ranks U.S.-listed stocks by how many SoFi self-directed accounts hold them and by the dollar value held. Solactive AG runs the index. The top 50 are included and weighted by that same holdings value, with caps of 10% per stock and 50% per sector. The index is reset monthly, so the fund follows what retail investors hold, whatever their reasons.
What's the difference between SFYF and TOPT?
Both funds concentrate in a short list of large U.S. stocks, and their holdings overlap by about 51%. SFYF's 50 stocks come from what SoFi customers hold. iShares Top 20 U.S. Stocks ETF (TOPT) holds 20 of the largest U.S. stocks. TOPT costs less, at 0.20% against SFYF's 0.29%. It is also much larger, with about $657 million in net assets as of June 30, 2026. One-year returns were similar as of October 27, 2026: 12.7% for SFYF and 12.2% for TOPT.