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Investing Principles
Additional Resources To Help You Make The Most Of M1

M1 is a powerful and free tool that can help you realize the potential earning power in your hard-earned savings. This page contains additional information to help you understand how best to leverage M1’s capabilities.



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Put your Savings To Work

Many people put a significant amount of their money in a traditional bank savings account. What they oftentimes aren’t aware of is how much more money the bank is earning from your money.

3.01%
0.06%
0.04%
What Banks earn on your Money 1
What You earn in a savings account 2
What You earn in a checking account 2
1 Net Interest Margin for all U.S. Banks - Q2 2016 (Source)
2 The "National Rate" as a simple average of rates paid by U.S. depository institutions as calculated by the FDIC. (Source)
Built for Investors, Not Traders

M1 is the ideal tool for long-term investors. It was designed for building wealth over time, by putting your money to work in the investments you want. There are many different ways to invest your savings and various asset classes to consider. Take a look at how various assets have performed historically over time.

Average Annual Returns
By Asset Class
Buying Power
Return less inflation
Large Cap Domestic7.01% return+5.24%
Global Stock Market7.00% return+5.23%
Gold6.95% return+5.18%
Real Estate (REITs)6.10% return+4.33%
Corporate Bonds5.82% return+4.05%
Small Cap Domestic5.26% return+3.49%
Total Bonds4.90% return+3.13%
Municipal Bonds4.86% return+3.09%
Tips3.99% return+2.22%
Emerging Markets3.34% return+1.57%
Treasuries2.49% return+0.72%
Developed Markets2.27% return+0.50%
Inflation1.77% return0.00%
Savings Account1.71% return-0.06%
Checking Account0.46% return-1.31%
THE AVERAGE ANNUAL RETURNS BY ASSET CLASS WAS CALCULATED FROM APRIL 1, 2006 - MARCH 31, 2016 USING BENCHMARKS PER ASSET
Inflation
-
US BLS CPI All Urban NSA 1982-1984
Developed Markets
-
MSCI EAFE GR USD
Short Term Treasuries
-
Barclays Treasury 1-3 Yr TR USD
Emerging Markets
-
MSCI EM GR USD
TIPs
-
Barclays US Govt Infl Lkd 1-10Y TR USD
Municipal Bonds
-
Barclays Municipal TR USD
Total Bonds
-
Barclays US Agg Bond TR USD
Small Cap
-
Russell 2000 TR USD
Corporate Bonds
-
Barclays US Corp IG TR USD
Real Estate (REITs)
-
FTSE NAREIT All REITs TR
Gold
-
S&P GSCI Gold TR
Total Stock Market
-
DJ US Total Stock Market TR USD
Large Cap Domestic
-
S&P 500 TR USD
Checking Account
-
FFIEC's UBPR Interest Bearing Deposits
Savings Account
-
FFIEC's UBPR Transaction Accounts
A Comprehensive Look At Your Money

M1’s intuitive design is based on the concept of investing with Pies. This allows you to simply pick your investments, the target weight of each, and let M1’s powerful automation manage your portfolio for you as you put money in or take money out. This allows you to focus on big picture of your overall portfolio.

Learn More About the Power of Pies

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

Member of SIPC. Securities in your account protected up to $500,000. SIPC insurance does not protect against loss in the market value of securities. For additional information visit www.sipc.org. Securities and services are provided to clients of M1 by M1 Finance LLC, member FINRA/SIPC. Investments are not FDIC insured and may lose value. Investing in securities involves risk and there is always the potential of losing money when you invest in securities. Please consider your objectives and M1 fees before investing. Past performance is not a guarantee of future results. Not an offer, solicitation of an offer, or advice to buy or sell securities in jurisdiction where M1 Finance LLC is not registered.

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