The Investor’s Mindset: Intentions


Hey there,  

Welcome to The Investor’s Mindset, a free monthly newsletter where smart investors get smarter. Welcome to the thousands that joined us since our last send. 

Last month, we talked about systems and why they make your life (and finances) easier and more efficient.

This month, we’re exploring intentions, about which three things are true:

  1. Intentions aren’t goals
  2. Your intentions create your reality
  3. Intentions must be supported

Tweet this quote


Illustration of clipboard with football-style playbook moves.

#1: Intentions aren’t goals


Intentions provide focus. They recognize values and goals, serving as a roadmap of reminders to stay on whatever track you’ve set for yourself.

But while a goal is highly specific and measurable, an intention leaves room for interpretation.

And there are no limits. Intentions are yours to build.


#2: Your intentions create your reality

We won’t deny it: there are many factors out of your control that impact your finances. For example, in investing alone, we see market movements, corporate actions, and dozens of other changes impact our holdings.

So, an intention isn’t hoping that the market won’t move a certain way. That’s a wish or a prediction. An intention is a clear statement that emphasizes and clarifies your personal direction – in finance or otherwise.

If you have a goal of saving a specific amount toward retirement, perhaps your intention looks something like this:

I intend to live a lifestyle that allows for financial freedom.

Your goal may further define financial freedom as the ability to travel during retirement or buy a beach house. But your intention reminds you that your daily decisions track to that lifestyle – and your investing, borrowing, and spending habits will naturally align.

Remember: intentions can’t time the market, but that doesn’t mean your reality is up to chance.


#3: Intentions must be supported

When you set an intention, you’re putting yourself on an effective path to become who you want to be.

But a few I-statements aren’t enough.

If your intentions aren’t backed by a system, you risk chaotic decision making – even if you’re doing your research.


Key insights from our blog


Person standing on a rock thinking about how to stay focused on their financial institutions.

How smart investors stay focused on their financial intentions

Intentions work hand in hand with systems to make your financial life easier. Need more on systems? Last month’s newsletter has that topic covered.

Mind mapping and to apply systems to your investment strategy.

How to build 5 ways you can intentionally apply systems to your investment strategy habits that stick

Actionable steps you can take to build an investment strategy that realizes your financial intentions, goals, and lifestyle.

We’d love your feedback


We’ve launched a research program to make M1 better for you, and signups are open!

Your participation in this program will help us plan improvements to M1, test new features, and collect feedback. It’s the best way to share your suggestions.

Sign up here if you’d like to be included in our research efforts.

Just for fun


What day would yesterday be if Thursday was four days before the day after tomorrow?

Scroll down for the answer. 


Until next time


Thanks for reading! If you’re still here, we did something right. 

We hope you learn something new every time you read The Investor’s Mindset. We also hope you’ll respond to this email and let us know what you thought. We read each response. 

And if you liked this edition, why not share it? 

We’ll be back in 2021 with even more.


Happy holidays,  

The M1 Team 


Answer: Friday

Reply to this email if you got it right! 


P.S. We’re only sending our newsletter to current clients. You’re welcome to join us here

Join 500,000+ readers


Want to get future editions of The Investor’s Mindset in your inbox? We’re only sending it to current clients right now, but we’d love to have you join us.


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.

M1 Plus is an annual membership that confers benefits for products and services offered by M1 Finance LLC and M1 Spend LLC.

All investing involves risk, including the risk of losing the money you invest. Past performance does not guarantee future performance. Using M1 Borrow’s margin account 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, or tax advisors.

Brokerage products and services are not FDIC insured, no bank guarantee, and may lose value. Brokerage products and services are offered by M1 Finance LLC, an SEC registered broker-dealer, Member FINRA / SIPC.

M1 Spend checking accounts furnished by Lincoln Savings Bank, Member FDIC. M1 Visa® Debit Card is issued by Lincoln Savings Bank, Member FDIC.

Credit Card not available for US Territory Residents. Review Cardholder Agreement and Rewards Terms for important information about the Owner’s Rewards Card by M1. The Owner’s Rewards Card by M1 is a credit card Powered by Deserve and issued by Celtic Bank, a Utah-Chartered Industrial Bank, Member FDIC.

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.

App Store is a service mark of Apple Inc. Google Play and the Google Play logo are trademarks of Google LLC.

200 N LaSalle St., Ste. 800 Chicago, IL 60601

© Copyright 2021 M1 Holdings Inc.