Smarter working money
INVEST FOR FREE
Your money works smarter for you when you don’t pay management fees or trading commissions. After all, every dollar you don’t pay in fees is another dollar you can spend or put to work in your portfolio.
FRACTIONAL SHARES
Put every penny to work when you invest with fractional shares. Diversify your portfolio easily and avoid idle cash waiting to be invested.
LOWER COST LOANS
Tap into a flexible portfolio line of credit at a low base rate, and use those funds for anything: major purchases, emergency funds, or portfolio leverage. Plus, you can pay back on your schedule.
MORE EFFICIENT TRANSFERS
Replace your checking account with M1 Spend and experience a more efficient way to manage your money. Sweep extra cash into your investments and receive borrowed funds faster than ever.
Tax efficiency
M1 Invest uses a lot allocation strategy when selling securities to help reduce the amount owed on taxes. Here’s how it works:
After you request a withdrawal, M1’s algorithm determines which securities to sell based on your portfolio targets.
M1 sells securities in this order:
– Losses that offset future gains
– Lots that result in long-term gains
– Lots that result in short-term gains
After the sale settles, your funds will be transferred to your bank account (3-5 business days).
Spread the word and earn more
You found a tool like no other, and your friends want to hear about it! You can sign up for our refer a friend program in the app, and every time you refer a friend, we’ll give you each $10 to invest.