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Free IRAs from M1 Finance

You know what's better than low-fee IRAs? No-fee IRAs.

What if we said you never have to worry about hidden fees eating into your returns again?

Maximize your retirement savings with commission-free, fee-free traditional and Roth IRAs from M1 Finance. Build a portfolio of the stocks and funds you want, choose from dozens of expert portfolios designed to match your timeline and risk tolerance, or combine the two to fit your unique financial goals. Then, just automate your investing with scheduled deposits to your account, so you can sit back and relax as your retirement savings grow in the background.

Open an account

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Earn more when you invest for free

Starting today with a portfolio of: $25,000
With a monthly deposit of: $500
Over 20 years you would save: $34,626

How do we calculate these numbers?
Returns are calculated using an assumed 5% growth rate with fees removed.
M1 Finance
Traditional Advisors (~1% fee)

Want to learn more?

Schedule a callback with one of our product experts! We'll walk you through the platform and help you decide if no-fee retirement accounts from M1 are the right option for you.

Let's chat
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Check the background of M1 Finance LLC on FINRA's BrokerCheck

M1 Holdings Inc. provides a range of financial services through its operating subsidiaries. M1 Finance LLC and M1 Spend LLC are wholly-owned subsidiaries of M1 Holdings Inc. and are separate but affiliated companies. By using this website, you accept our Terms of Use and Privacy Policy and acknowledge receipt of all disclosures in our Disclosure Library. All agreements are available in our Agreement Library.

M1 Finance LLC is a SEC registered broker-dealer and Member FINRA / SIPC. You can check the background of M1 Finance LLC on FINRA's BrokerCheck. SIPC protects securities customers of its members up to $500,000 (including $250,000 for claims for cash). SIPC insurance does not protect against loss in the market value of securities. Investments are not FDIC insured and may lose value. Please consider your objectives and M1 fees before investing. Past performance is not a guarantee of future results. Using margin involves risks: you can lose more than you deposit, you are subject to a margin call, and interest rates may change. Not an offer, solicitation of an offer, or advice to buy or sell securities in jurisdiction where M1 Finance LLC is not registered.M1 Spend checking accounts furnished by Lincoln Savings Bank, Member FDIC. M1 VisaTM Debit Card is issued by Lincoln Savings Bank, Member FDIC.

No minimum balance to open account. No minimum balance to obtain APY (annual percentage yield). APY valid from account opening. Fees may reduce earnings. Rates may vary.
All product and company names are trademarks™ or registered® trademarks of their respective holders. Use of them does not imply any affiliation with or endorsement by them.
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