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    • Tap into a portfolio line of credit to invest or get cash.

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Invest

Build wealth through smart investing. Learn about diverse investment options and strategies to maximize returns and achieve financial goals.

Airline profits are soaring in 2024, but drawbacks for travelers and investors persist

Airline profits are soaring in 2024, but drawbacks for travelers and investors persist

March 15, 2024July 4, 2024 Invest

Airline companies have been through a gauntlet of business and PR challenges in the last few years. The pandemic put 64 airlines out of business,…

Investments

Nvidia is a stock market darling 30 years in the making

March 6, 2024March 7, 2024 Invest

We’re only two months into the year, and Wall Street has identified its current crown jewel. Nvidia, a company that once focused on giving gamers…

Blog Data Screen

Crypto enthusiasts and investors cheer, government shakes its collective head

January 23, 2024July 4, 2024 Invest

Remember the Winklevoss twins? In July 2013, the brothers turned entrepreneurs had a ludicrous idea (at the time) for an ETF where investors can buy…

The drink in your hand isn’t always an easy pour

The drink in your hand isn’t always an easy pour

January 16, 2024January 16, 2024 Invest

The morning cup of joe and end-of-day cold beer are simple pleasures for many. I’m an iced latte and IPA kind of guy personally. While…

happy couple

Consumers are eager to receive equities as gifts, but the process can be tricky

December 18, 2023July 4, 2024 Invest

If someone in your life is an educated investor, fanatic of a publicly traded company or even brand new to the idea of investing — they could really appreciate the gift of company ownership. Here’s everything you need to know about buying stocks for someone else.

Changes to the 2023 and 2024 retirement contribution limits 

Changes to the 2023 and 2024 retirement contribution limits 

December 12, 2023December 12, 2023 Invest

In this edition of Mindset, we’ll update you on the specifics of the changes and provide a few options you can take as we close out 2023 and look to 2024.

How to file taxes as a smart investor with the M1 logo in the bottom right corner above an image of a person using a laptop to explore the M1 website

How to file taxes as a smart investor

December 1, 2023July 10, 2024 Invest

Spring is right around the corner. In no time, baseball will be back, the sun will be shining, and it will be tax season. Well,…

bull market

Six finance things we’re thankful for in 2023

November 20, 2023November 20, 2023 Invest

There’s much to be thankful for this holiday season. Here are just a few examples.

401(k) rollover

Here’s how to do a 401(k) rollover, and even possibly find forgotten retirement accounts 

July 24, 2023July 4, 2024 Invest

Workers have absolutely felt the feast or famine effects in the last few years. The pandemic shutdowns sent many workers home, sending the unemployment rate…

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Disclosures

By using this website, you accept our Terms of Use and Privacy Policy and acknowledge receipt of all disclosures in our Disclosure Library. All agreements are available in our Agreement Library. M1 relies on information from various sources believed to be reliable, including clients and third parties, but cannot guarantee the accuracy and completeness of that information.

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.

All investing involves risk, including the risk of losing the money you invest. Past performance does not guarantee future performance. Using M1 Borrow’s margin account can add to these risks, and you should review our margin account risk disclosure before borrowing. Nothing in this informational site is an offer, solicitation of an offer, or advice to buy or sell any security and you are encouraged to consult your personal investment, legal, or tax advisors.

Brokerage products and services are not FDIC insured, no bank guarantee, and may lose value. Brokerage products and services are offered by M1 Finance LLC, an SEC registered broker-dealer, Member FINRA / SIPC.

M1 Finance, LLC does not charge commission, trading, or management fees for self-directed brokerage accounts. You may still be charged other fees such as M1’s platform fee, regulatory fees, account closure fees, or ADR fees. For a complete list of fees M1 may charge visit M1’s Fee Schedule.


M1 is not a bank. M1 High-Yield Savings Accounts and Personal Loans are furnished by B2 Bank NA, Member FDIC and Equal Opportunity Lender, and serviced by M1 Spend LLC, a wholly-owned operating subsidiary of M1 Holdings, Inc.


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.


Credit Card not available for US Territory Residents. Review Cardholder Agreement and Rewards Terms for important information about the Owner’s Rewards Card by M1. The Owner’s Rewards Card by M1 is Powered by Deserve and issued by Celtic Bank.


M1 Digital LLC is a wholly separate affiliate of M1 Finance LLC, and neither are involved with the execution or custody of cryptocurrencies. Cryptocurrencies are not FDIC or SIPC insured. For relevant crypto disclosures and risks, visit Crypto Disclosures.


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.

App Store is a service mark of Apple Inc. Google Play and the Google Play logo are trademarks of Google LLC.


M1 Finance LLC
200 N LaSalle St., Ste. 810, Chicago, IL 60601

© Copyright 2025 M1 Holdings Inc.

  • Home
  • Earn
    • Earn 4.00% APY1 on money in your Cash Accounts.

      Cash Account

      Individual High-Yield Cash Account

      Joint High-Yield Cash Account

      More about High-Yield Cash Accounts with M1

      Account safeguarding

      High-Yield Cash Account FAQs

      Cash accounts differ from savings accounts

  • Invest
    • Flexible, customizable,
      and automated.
      Intelligently invest your way, commission-free.

      Brokerage Accounts

      Individual

      Joint

      Custodial

      Retirement Accounts

      Traditional IRA

      Roth IRA

      SEP IRA

      Other Accounts

      Crypto offered by Bakkt

      Trust

      More about investing at M1

      Dividend investing

      Roll over your retirement plan to M1

      How M1 Pies work

      Automate your investing

      Borrow against your account

      Account safeguarding

  • Spend
    • Maximize everyday finances with tiered credit card rewards.

      Credit

      Owner’s Rewards Card

      More about everyday finances with M1

      Automate your transfers

      Account safeguarding

      More about credit at M1

      What are Owner’s Rewards?

  • Borrow
    • Tap into a portfolio line of credit to invest or get cash.

      Margin Loans

      Invest with margin

      Portfolio line of credit

      Loans

      Personal Loans – Further availability soon

      More about Margin Loans at M1

      What’s a margin loan?

      What can you use a margin loan for?

      Managing a margin account

      Margin requirements

      Risks & benefits of margin trading

  • Learn
    • Resources to help you make informed financial decisions

      Frequently Asked Questions

      Taking Stock

      Knowledge Bank

      Retirement Calculator

      Savings Calculator

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