Three of our best promotions ever to kick off your New Year  

You know what they say… goals are good. Plans are better. So if you’ve got financial goals for the year, these promotions may help you achieve them. They’re some of our biggest offers ever and they’re only here for a month. Let’s start with our brokerage transfer bonus. 

Brokerage transfer bonus: Up to $25,000  

Goal: Consolidate your investment accounts  
Plan: Transfer external accounts to M1  
Bonus: Earn 0.5% bonus on transferred assets 

January is the perfect time to do some financial housekeeping. If you’ve been waiting to bring external brokerage accounts over to M1, it’s a great time to make your move. Transfer an external brokerage account to M1 in the month of January and we’ll give you a 0.5% bonus on transferred assets, up to $25,000.  

Details: 

• Complete a transfer before the end of the month (it’s easy and takes about 4 minutes—see how here). 
• Receive an additional 0.5% of the transferred amount as a bonus 
• $10,000 minimum transfer required to qualify  

This offer is well-suited for investors looking to streamline portfolio management. Consolidating your accounts at M1 makes it simple to manage all your investments in one place. You’ll get to see your investments as a Pie, automate your investing and have a true idea of your net worth on the home screen. So why not finally make the move? 

To learn more, see the terms & conditions.

New High-Yield Cash Accounts: One-year APY boost  

Goal: Build a cash reserve  
Plan: Open a High-Yield Cash Account  
Bonus: Earn 4.50% APY¹ on money in your account  

A money management truism: always have cash on hand. An M1 High-Yield Cash Account gives you a place to keep that cash when it’s not invested where it can continue to grow. And if you open one during the month of January, you’ll be able to earn an extra 0.50% APY boost for twelve months. The Fed rates may change, but that extra half percent is yours all year.  

Details:  

• Current rate: 4.00% APY¹ 
• Boosted rate: 4.50% APY¹
• Promotional period: 12 months 

Please note, clients who already have an M1 High-Yield Savings Account or an M1 High-Yield Cash Account do not qualify for this promotion For more information, see the terms & conditions. 

1% Margin rate discount for eligible investors 

Goal: Leverage assets using margin  
Plan: Use margin in January   
Bonus: Lock in a 1% margin discount for a year 

Qualified investors who initiate a margin loan in January will receive a 1 percentage point discount on their margin rate for the remainder of 2025. 

Details: 

• Standard rate: 6.25% 
• Discounted rate: 5.25%
• Promotional period: 12 months  

Check your borrow tab to see if you qualify. Please review the Margin Discount Terms and Conditions for complete details. 

Note: All promotions are subject to terms and conditions. Please review the specific terms for each offer carefully. Investing involves risk, including the potential loss of principal. Margin investing entails greater risk, including the risk of greater losses in declining markets.  

Ready to take advantage of these offers? Log in to your M1 account to get started.  

Disclosures:  

M1 is a technology company offering a range of financial products and services. “M1” refers to M1 Holdings Inc., and its wholly-owned, separate affiliates M1 Finance LLC, M1 Spend LLC, and M1 Digital LLC. 

Brokerage accounts on the M1 platform are either fully disclosed to APEX Clearing or cleared through M1 Finance LLC.   

All investing involves risk, including the risk of losing the money you invest. Using margin can add to these risks. Margin rates may vary. Users utilizing APEX cleared margin accounts should review the APEX margin account risk disclosure before borrowing. Users utilizing M1 cleared margin accounts should review the M1 margin account risk disclosure before borrowing. M1 Margin Loans are available on margin accounts with at least $2,000 invested per account. Not available for Retirement or Custodial accounts. Past performance does not guarantee future performance. 

All investing involves risk, including the risk of losing the money you invest. Brokerage products and services are offered by M1 Finance LLC, Member FINRA / SIPC, and a wholly owned subsidiary of M1 Holdings, Inc. 

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M1 High-Yield Cash Account(s) is an investment product offered by M1 Finance, LLC, an SEC registered broker-dealer, Member FINRA / SIPC. M1 is not a bank and M1 High-Yield Cash Accounts are not a checking or savings account. The purpose of this account is to invest in securities, and an open M1 Investment account is required to participate in the M1 High-Yield Cash Account. All investing involves risk, including the risk of losing the money you invest. 

¹ Stated APY (annual percentage yield) with the M1 High-Yield Cash Account 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. 

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