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      Personal Loans – Further availability soon

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Invest

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

Mature woman managing finances in a notebook while sitting at a desk

9 myths about brokerage account transfers

July 19, 2022July 10, 2024 Invest

Brokerage account transfers aren’t always what they seem. Learn the truth about common myths and discover what makes the process simpler.

Business people walking to work in a city

Recession confessions, and what to look for as an investor

July 18, 2022July 4, 2024 Invest

Analysts are debating the possibility of a recession in 2022, so we’re sharing recession facts and mindset tips for managing downturns.

Person meditating outside during sunset

I bonds, tax-loss harvesting, and stress recovery

July 11, 2022July 10, 2024 Invest

Today we’re discussing the U.S. Treasury backed, inflation-protected savings bond yielding 9.62%. Americans bought nearly $11 billion of these bonds over the past six months,…

Weekly wrap up featured image

Two factors that played into the Dow’s fall

July 8, 2022July 4, 2024 Invest

We hope you enjoyed this past holiday weekend. Today, we’re discussing the important stories that you may have missed while celebrating.  In this edition:  What…

Silhouette of a rollercoaster loop

How M1 thinks about market volatility and market corrections

July 8, 2022July 4, 2024 Invest

After multiple days of stock declines, even the most disciplined long-term investors get concerned. We want to take a moment to share how we think…

Person looking at smartphone displaying stock market data in a line graph

Using tax-loss harvesting to turn capital losses into tax breaks

July 8, 2022July 10, 2024 Invest

Sometimes, the market declines and leaves you wondering what you should do. Buy? Sell? Both? For some, the answer may be “both”— this is called…

Abstract stock market numbers sign with neon lights in the background

Bear market strategy, ruling your M1 app, and decision-making

June 27, 2022July 10, 2024 Invest

Bear markets can cause uncertainty, but they aren’t permanent. Read this edition of The Investor’s Mindset for tips on how to manage market downturns.

Businessman standing at the top of a staircase

Fractional shares: How they work and where to buy them 

June 16, 2022June 28, 2022 Invest

With fractional shares, owning a variety of assets is more accessible than ever. Before investing, it’s important to understand what they are and how they can fit into your portfolio. 

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Why the SEC thinks the stock market needs a shake-up

June 10, 2022July 4, 2024 Invest

This edition of Weekly Wrap Up dives into the SEC market shake-up, Starbucks’ CEO search, and more top news for investors.

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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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