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M1 Finance vs. Betterment

You’re building a better financial future, but does Betterment give you the power and flexibility you need? M1 Finance is a sleek, all-in-one financial platform packed with ways to push your dollar further, without sacrificing your control.

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Bored with Betterment?

No matter your experience level, M1 has the perfect solutions for the money-minded to invest, borrow, and spend—all with a sleek, intuitive platform. Sign up for M1 and see for yourself why the Finance Super App® is a great Betterment alternative. 

M1 options - Flexible

Flexible

Choose the stocks and ETFs you want in your portfolio.

M1 options - Flexible

EASY

Diversify easily with fractional shares.3

M1 options - Flexible

POWERFUL

Schedule contributions and rebalance with one click.

M1 options - Flexible

SOPHISTICATED

Borrow against your investments.1

With M1 there’s no comparison

M1 provides greater automation, some of the lowest rates in the market and more ways to grow your wealth your way. Switch to M1 and get more power behind every dollar.

M1

Betterment


FULLY CUSTOMIZABLE INVESTING

M1 gives you tons of freedom and flexibility in how you invest. Choose from thousands of ETFs or individual stocks and fine-tune your investing strategy exactly how you want. Betterment only offers a limited selection of ETFs in portfolios they build for you, removing your control over your planning.

M1

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Betterment

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No individual stocks, limited ETFs

COMMISSION-FREE 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. https://m1.com/legal/disclosures/misc-fees/ INVESTING  

M1 does not charge commission-fees on your investing—why would we want to get in the way of your wealth building? Betterment charges 0.25% for their Digital offering and 0.40% for their Premium.

M1

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Betterment

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Fees range from .25% – .40%

Betterment data is as of September 16, 2021. 

The M1 Plus advantage

When you join M1, you’ll unlock more of everything with three months free of M1 Plus.4 You get extra perks, 1% cash back5 with the M1 debit card on purchases, our lowest Borrow rate, access to Smart Transfers, and more. Plus, our checking accounts offer 3.00% APY2 on your balance, so you can grow wealth even when it’s not invested. Betterment’s Cash Reserve offers just 2.25% APY.

There’s no commitment and you can cancel anytime. When it practically pays for itself, why would you?”

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Recognized and celebrated

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Hundreds of thousands of investors

five stars

35,000+
5-star reviews

(App Store and Google Play)6 7

Investopedia logo

Best for sophisticated investors

(Investopedia, 2022)

Money Magazine Logo

One of the best robo-advisors

(Money, 2021)

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Best free trading platform in 2021

(Yahoo, 2021)

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Best for investing and banking in one

(The Ascent, 2021)

Sophisticated investing. Simple tools.

Thoughtful investing doesn’t work with thoughtless brokerages. Start enjoying more tools, lower rates, more power over your wealth—all on a sleek, intuitive platform. It’s free to download and start investing. Switch to M1 today.

M1 Invest tab in front of the M1 borrow tab and M1 transactions tab with lower half of tabs cutoff
  1. M1 Borrow available on margin accounts with at least $2,000 invested per account. Not all securities are available for M1 Borrow and the amount that may be borrowed against a security is subject to change without notice. Available margin amount(s) of M1 Borrow may require greater than $2,000 per Invest account. Not available for retirement, custodial, or trust accounts. Margin rates may vary.
  2. 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.
  3. If you choose to transfer your account to another broker-dealer, only the full shares are guaranteed to transfer. Fractional shares may need to be liquidated and transferred as cash.
  4. Your free trial (a $31.25 value) begins the date you enroll in the M1 Plus subscription, and ends 90 days after (“Free Trial”). Upon expiry of the Free Trial, your account is automatically billed an annual subscription fee of $125 unless you cancel under your Membership details in the M1 Platform.
  5. Debit card purchases are when the card is swiped, or its 16-digit number is entered online. Any fund transfers, including via card transactions such as P2P or third party processors, are not eligible for cash back.
  6. Source: https://apps.apple.com/us/app/m1-finance/id1071915644
  7. Source: https://play.google.com/store/apps/details?id=com.m1finance.android&hl=en_US&gl=US