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Made for self-directed investors
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.
Build a custom portfolio of the stocks and funds you want or choose from more than 80 expert portfolios.
Own stocks and ETFs, regardless of share price, with fractional shares. Make diversification simpler and ensure you’re always fully invested.
Automate your contributions with investing schedules, keep your portfolio on track with dynamic rebalancing, and never worry about placing manual trades again.
Get more with M1 Plus
NEW: SMART TRANSFERS
Set up a system of automated rules and optimize your money across your spending, your investing, and your borrowing at M1. Get started with a few clicks.
AN AFTERNOON TRADE WINDOW
Get more control over how you invest: Invest in the morning or the afternoon, or both when you have more than $25,000 in your investment portfolio. 
Upgrade your account for $125/year to get these perks and more.
Accounts to fit your needs
INDIVIDUAL
Set up an individual taxable account for your general investing needs.
JOINT
Establish a joint account with a relative, spouse, or domestic partner.
IRA
Invest in your future with Traditional, Roth, and SEP IRAs.
TRUST
Manage trust investments with an M1 Trust Account.
The Pie
M1 uses a Pie-based interface to make building and managing a portfolio easier and more intuitive than ever. Choose from more than 6,000 stocks and funds to build Custom Pies or select from nearly 100 Expert Pies, designed to meet different financial goals and investment objectives.
What our clients say
My favorite thing about M1 is the Pie: it’s very easy to see an overview of my entire portfolio.
Joy W.
Being able to purchase fractional shares is exactly what I need.
Gregory P.
I love the ability to invest without paying fees. I can put the extra savings toward purchasing extra shares.
Victor M.
May not be representative of the experience of other customers. Not a guarantee of future performance or success.
What are the risks?
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:
Business risk
Returns from any investment requires that the company stays in business.
Volatility risk
Stock prices may fluctuate up or down based on factors inside the company, political events, or market events.
Inflation risk
Inflation reduces purchasing power and may erode returns for people investing in cash equivalents.
Interest rate risk
Interest rate changes can affect the business operations, profits, and losses of companies in many sectors of the market.
Liquidity risk
The potential lack of market availability of an investment you want to buy or sell quickly can reduce potential gains but increase potential losses.