How does M1 compare?

See why M1 is the smarter choice for managing your money.

A smarter, more modern option

M1 blends financial planning tools with powerful digital technology to make managing your money a seamless and effortless experience. Now, you don’t have to track several different accounts to move money and put your money to work. Instead, use M1 as your one financial platform where you can invest, borrow, spend, and manage your cash.

THE M1 WAY

THE OLD WAY

How does M1 compare?


M1 Finance
with M1 Plus
Online brokers
Like Charles Schwab
Robo-advisors
Like Betterment
Automation
Full
Little to none
Full
Fractional shares
Yes
No
Availability varies
Rebalancing
Dynamic
Expensive
No control
Customization
Full
Full
Little to none
Pre-built portfolios
Yes
Yes
Yes
Portfolio line of credit base rate
3.25%
8-10.75%
Availability varies
Checking APY
1.5%  info icon
0.20%
N/A
Checking cash back
1%
None
N/A
Management fee
None
None
0.25-0.50% of assets
Transaction fee
Free
Free
Free
Annual fee
$125
$0
$0
Minimum investment balance
$100
$2,000
$10

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

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