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A better way to manage your money

"I really enjoy how the portfolio looks and is set up. All the info I need is upfront, and it’s all very clean. I enjoy how easy it is to transfer stock. A huge reason why I signed up is because of the security precautions you take with protecting my identity and data."
- Ashley L.

How much is your money worth?

Your hard earned money has potential. Unfortunately, for most people, that potential is captured by other people. M1 makes it easy to invest in securities to capture this potential and maximize your returns.

For a $15,000 savings account
The bank earns: $451.50 /yr
You earn: $9.00 /yr
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. The national rates and rate caps for various deposit maturities and sizes are provided below. Savings: 0.06, interest checking: 0.04 (Source)
iPhone displaying M1 Finance application
Other options exist

Your money doesn't have to be backed by deposits at a bank. There is a world of other investment opportunities - each having their own risk and return characteristic.

AVERAGE ANNUAL RETURNS BY ASSET CLASS
BUYING POWER
Return less inflation
Large Cap Domestic7.01%+5.24%
Global Stock Market7.00%+5.23%
Gold6.95%+5.18%
Real Estate (REITs)6.10%+4.33%
Corporate Bonds5.82%+4.05%
Small Cap Domestic5.26%+3.49%
Total Bonds4.90%+3.13%
Municipal Bonds4.86%+3.09%
Tips3.99%+2.22%
Emerging Markets3.34%+1.57%
Treasuries2.49%+0.72%
Developed Markets2.27%+0.50%
Inflation1.77%+0.00%
Savings Account1.71%-0.06%
Checking Account0.46%-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
M1 makes it simple to invest

With M1, your can automatically and effortlessly transition into investments of your choosing to get the full return on your money.

The old way
Confusing diagram of the old way investing worked

Traditional brokerages require many complex calculations and manual input of trades.

VS
The new way
Simple diagram of how M1 makes investing easier

With M1, you set your portfolio and simply add or withdraw money - M1 does all the trading.

Traditional brokerages require many complex calculations and manual input of trades.

With M1, you set your portfolio and simply add or withdraw money - M1 does all the trading.

Note: With M1, all trades occur during a fixed trading window once per day. The price at which a security transacts may deviate, perhaps substantially, from when the order is generated.
Cost effective investing

Don't get nickel and dimed every time you want to do something with your money.

With M1, invest all of your money how you want for a low simple fee.

You control your investment plan
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You're the boss

It's your money - you should have full say in where and when it's invested.

Personalize your portfolio

You can completely customize your portfolio to meet your personal investing needs and wants.

We have templates if you need help

If you need help getting started, we offer templates based on generally accepted investing principles.

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Be Invested
Sign Up

Download for iOS & Android

Check the background of M1 Finance Inc. 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 Inc., 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 Inc. is not registered.

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