Invest for free
M1 is infinitely less expensive than other brokerages.
We charge no management fees or commissions, so your money can work harder for you. After all, every dollar you don’t pay in fees is another dollar in your pocket, to spend or further compound for your future.
Put every penny to work
Investing in only whole shares limits your wealth building potential, making diversification difficult and causing cash to sit idly in your account where it can’t accrue value. M1 uses fractional shares, so you’re always fully invested — down to the penny.
M1 tax-efficient investing uses a lot allocation strategy when selling securities to help reduce the amount owed on taxes. Here’s how it works:
You request a withdrawal from your M1 account.
Our algorithm determines which securities to sell, based on target allocations.
We then sell securities, prioritizing them in this order:
- Losses that offset future gains
- Lots that result in long-term gains
- Lots that result in short-term gains
After executing the sale, we transfer the funds to your bank account.
Discover better returns
How do we calculate these numbers?
The lowest cost way to borrow
Need money for a major purchase or looking to refinance your debt? Discover a new, less expensive way to borrow money than the average mortgage, HELOC, auto loan, and personal loan with M1 Borrow.