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
Starting today with a portfolio of: $25,000
With a monthly deposit of: $500
Over 20 years you would save: $34,626
How do we calculate these numbers?
Returns are calculated using an assumed 5% growth rate with fees removed.
Traditional Advisors (~1% fee)
Spread the word and earn more
When you refer a friend to M1, we’ll give you each $10 to invest. All you need is your unique referral code!
M1 Finance LLC is a SEC registered broker-dealer and Member FINRA / SIPC. You can check the background of M1 Finance LLC on FINRA's BrokerCheck. SIPC protects securities customers of its members up to $500,000 (including $250,000 for claims for cash). SIPC insurance does not protect against loss in the market value of securities. Investments are not FDIC insured and may lose value. Please consider your objectives and M1 fees before investing. Past performance is not a guarantee of future results. Using margin involves risks: you can lose more than you deposit, you are subject to a margin call, and interest rates may change. Not an offer, solicitation of an offer, or advice to buy or sell securities in jurisdiction where M1 Finance LLC is not registered.M1 Spend checking accounts furnished by Lincoln Savings Bank, Member FDIC. M1 VisaTM Debit Card is issued by Lincoln Savings Bank, Member FDIC, pursuant to a license from Visa U.S.A., and serviced by M1 Spend LLC. M1 Spend LLC is not a bank. Visa is a registered trademark of Visa International Service Association. 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: 213 W Institute Pl, Ste. 301, Chicago, IL 60610