Sophisticated wealth building, simplified.
M1 Investment Accounts
- Build a custom portfolio based on your strategy
- 6,000+ stocks and ETFs, or crypto
- Zero commission fees3
- Invest strategically with M1 Pies
- One-click rebalancing
M1 High-Yield Cash Accounts
- Individual and Joint Accounts
- FDIC-insured up to $3.75 million2
- No minimum balance
- Powered by your M1 Brokerage Account
M1 Investment Accounts
- Build a custom portfolio based on your strategy
- 6,000+ stocks and ETFs, or crypto
- Zero commission fees3
- Invest strategically with M1 Pies
- One-click rebalancing
M1 High-Yield Cash Accounts
- Individual and Joint Accounts
- FDIC-insured up to $3.75 million2
- No minimum balance
- Powered by your M1 Brokerage Account
See how M1 Pies make DIY investing easier than ever
Watch this 1-minute video
Account protections to give you peace of mind
Member of SIPC. Securities in your account protected up to $500,000. For details, please see www.sipc.org.
All M1 High-Yield Cash Accounts deposits are FDIC-insured up to an aggregate total of $3.75 million.2
As a technology-first company, M1 utilizes the latest in information security to keep your private information secure.
Founded in 2015
$8B+ in client assets
as of February 2024
Borrow on margin for as low as 7.25%4
With M1 Margin Loans, you can put your portfolio to work. Borrow against 50% of your portfolio’s value and get one of the lowest rates on the market—all paperwork-free.
Get up to 10% cash back in credit card rewards
With the Owner’s Rewards Card in your wallet, you can pay yourself back as you spend. Earn up to 10% cash back5 and automatically re-invest your rewards in your portfolio.
Join hundreds of thousands
who trust us with $8 billion
Information as of February 2024
Best for Sophisticated Investors and Low Costs
(Investopedia, 2023)
Best Investment
App for Portfolio Customization
(Insider, 2023)
One of the best Roth IRAs
(Fortune, 2023)
Over 60,000 users left 5-star reviews*
Build and manage your wealth, your way
* Sources: https://apps.apple.com/us/app/m1-finance/id1071915644 & https://play.google.com/store/apps/details?id=com.m1finance.android&hl=en_US&gl=US
1 Stated APY (annual percentage yield) with the M1 High-Yield Cash Account is available from date of account opening and is accrued on account balance. Obtaining stated APY requires a minimum initial deposit of $100. APY is solely determined by M1 Finance LLC and its partner banks, and will include administrative and account fees that may reduce earnings. Rates are subject to change without notice. M1 High-Yield Cash Account is a separate offering from, and not linked to, the M1 High Yield Savings Accounts offered by M1 Spend LLC’s banking partner. M1 is not a bank.
2 The cash balance in your Cash Account is eligible for FDIC Insurance once it is swept to our partner banks and out of your brokerage account. Until the cash balance is swept to partner banks, the funds are held in a brokerage account and protected by SIPC insurance. Once funds are swept to a partner bank, they are no longer held in your brokerage account and are not protected by SIPC insurance. FDIC insurance is not provided until the funds participating in the sweep program leave your brokerage account and into the sweep program. FDIC insurance is applied at the customer profile level. Customers are responsible for monitoring their total assets at each of the sweep program banks. A complete list of participating program banks can be found here.
3 Commission-free trading of stocks and ETFs refers to $0 commissions charged by M1 Finance LLC for self-directed brokerage accounts. Other fees may apply such as regulatory, M1 Plus membership, account closures and ADR fees. For complete list of fees, visit M1 Fee Schedule.
4 M1 Margin Loans are available on margin accounts with at least $2,000 invested per account. Not all securities are available for M1 Margin Loans and the amount that may be borrowed against a security is subject to change without notice. Available margin amount(s) of M1 Margin Loans may require greater than $2,000 per Brokerage Account. Not available for Retirement and Custodial accounts. Margin rates may vary.
5 1.5% – 10% Owner’s Rewards cash back earned on eligible purchases subject to a maximum of $200 cash back per calendar month. Cash back rates of 2.5% – 10% require an active M1 Plus subscription (billed at $36 annually or at $3 monthly).