Smarter investing

Build your own investing strategy and keep it in balance automatically. For free.

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.

Fractional shares

Automate your contributions with investing schedules, keep your portfolio on track with dynamic rebalancing, and never worry about placing manual trades again.


Customizable, automated, and free investing

Accounts to fit your needs


Set up an individual taxable account for your general investing needs.


Establish a joint account with a relative, spouse, or domestic partner.


Invest in your future with Traditional, Roth, and SEP IRAs.


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.

Learn more

Upgrade to M1 Plus and get the smartest perks

Unlock exclusive access to a second trading window so you get even more control over when and how you invest. Invest in the morning or the afternoon—or both. info icon

Learn more

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.

Total control, total freedom.

Be invested.

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

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 relies on information from various sources believed to be reliable, including clients and third parties, but cannot guarantee the accuracy and completeness of that information. M1 refers to M1 Holdings Inc., and its affiliates. M1 Holdings is a technology company offering a range of financial products and services through its wholly-owned, separate but affiliated operating subsidiaries, M1 Finance LLC and M1 Spend LLC.

Brokerage products and services offered by M1 Finance LLC, an SEC registered broker-dealer and Member  FINRA /  SIPC.

Brokerage products are: Not FDIC Insured • No Bank Guarantee • May Lose Value

All investing involves risk, including the risk of losing the money you invest, and past performance does not guarantee future performance. Borrowing on margin can add to these risks, and you should  learn more  before borrowing. Nothing in this informational site is an offer, solicitation of an offer, or advice to buy or sell any security and you are encouraged to consult your personal investment, legal, and tax advisors.

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.
Address: 200 N LaSalle St., Ste. 800; Chicago, IL 60601

© Copyright 2020 M1 Holdings Inc.