Fractional shares, auto-rebalancing, and it’s absolutely free to use!
– Matt G.
Testimonials may not be representative of the experience of other customers. Not a guarantee of future performance or success.
BUILD WEALTH YOUR WAY
How much do you want to invest? What’s your time horizon? Risk tolerance?
M1’s easy-to-use tools enable you to develop an investing strategy that’s right for you, and our powerful automation helps you implement and maintain it.
CUSTOMIZATION
Build a custom portfolio of the stocks and funds you want or choose from more than 80 expert portfolios.
FRACTIONAL SHARES
Own stocks and ETFs, regardless of share price, with fractional shares. Make diversification simpler and ensure you’re always fully invested.
AUTOMATION
Automate your contributions with investing schedules, keep your portfolio on track with dynamic rebalancing, and never worry about placing manual trades again (though you can if you want to).
THE PIE
Managing your portfolio is easier and more intuitive than ever! The Pie is an interactive dashboard where you can choose from over 6,000 stocks and funds to build your own custom investment plan. Or select from nearly 100 pre-baked Expert Pies designed to meet different financial goals or investment objectives.
CUSTOM PIES
Keep your Pie organized. You can make several Pies, each with its own theme or strategy, and then combine them together in your main portfolio Pie.
EXPERT PIES
Our team has put together more than 80 curated Pies, each following a different strategy.
I love the ability to invest without paying fees. I can put the extra savings toward purchasing extra shares.
– Victor M.
Testimonials may not be representative of the experience of other customers. Not a guarantee of future performance or success.
YOUR INVEST QUESTIONS, ANSWERED
Set up an individual taxable account for your general investing needs, including a joint account with a relative, spouse, or domestic partner; traditional, Roth, and SEP IRAs, or a trust account.
M1 Finance automates maintenance and simplifies construction of your custom investment portfolio. After you create your Pie-based portfolio, M1 utilizes its proprietary trading system to automate all of your trading activity. You’ll never have to input or execute any trades manually.
Unlike some companies, M1 charges no management fees. There are some miscellaneous fees for some services, which you can find here.
Investing can be one of the best ways to build wealth for the long-term, but here are some things to keep in mind when creating your portfolio
- Returns from any investment requires that the company stays in business.
- Stock prices may fluctuate up or down based on factors inside the company, political events, or market events.
- Inflation reduces purchasing power and may erode returns for people investing in cash equivalents.
- Interest rate changes can affect the business operations, profits, and losses of companies in many sectors of the market.
- The potential lack of market availability of an investment you want to buy or sell quickly can reduce potential gains but increase potential losses.
Glad you ask. Get the big picture here.
M1 PLUS:
ADD MORE TO YOUR M1
Exclusive features and rewards that help you earn more, access more and receive more perks and discounts.
Your first year is free (a $125 value). There’s no catch, and it only takes a moment to sign up.
2% LOANS THROUGH M1 BORROW
Get our lowest rate for M1 Borrow. 
The M1 Borrow interest rates are based on short-term interest rates and are subject to change if and when the Federal Reserve changes its target for the Federal Funds rate. M1 rates are current of March 2021.
SMART TRANSFERS
Set up automated ‘if, then’ rules and optimize your money across M1.
CUSTODIAL ACCOUNTS
Start building long-term wealth for the children in your life.
TWO TRADE WINDOWS
Invest in the morning or the afternoon, or both when you have more than $25,000 equity in your portfolio.
1% APY CHECKING 
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. National average is 0.03% APY as of April, 2021. Obtained from the FDIC.
Earn 33x the national average APY for a checking account. That means you’ll earn more in 2 weeks than you would in an
entire year with a big bank.
1% CASH BACK
Earn 1% cash back on qualifying debit card purchases. Debit card purchases are when the card is swiped or the 16 digit debit card number is entered online. Any transfer of funds, including those facilitated via a card transaction, are not eligible for cash back.
NEW: SEND CHECKS
Send physical checks without ever touching a pen.
TOTAL CONTROL, TOTAL AUTOMATION
For your wealth today and tomorrow.
