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Revolutionize your finances with M1’s innovative personal finance platform. Explore earning, investing, spending, and borrowing solutions.

Why M1 Uses Trade Windows
October 8, 2025October 13, 2025 M1, Invest

New clients often wonder why M1 uses trade windows. M1’s trade windows are an intentional and core design choice to support long-term, automated, and diversified…
M1’s approach to beta testing
September 25, 2025September 25, 2025 M1

At M1, we’re committed to building helpful tools for long-term wealth building. A key part of that process is beta testing—and it helps us to…
How M1 Clients Use Benchmarking
August 28, 2025October 13, 2025 M1, Invest

Now that performance benchmarking is built into M1, it’s easier than ever to see your portfolio’s performance in context. However, it’s important to make sure…
NEW on M1: Custom Performance Benchmarking
August 14, 2025October 13, 2025 M1, Invest

The wait is over… M1 just launched a new, powerful performance benchmarking tool to help you evaluate your investment strategy and build confidence in your…
Introducing Time-Weighted Rate of Return on M1
July 17, 2025July 21, 2025 M1

Evaluate performance like a pro. It’s finally here! Time-Weighted Rate of Return (TWRR) is now available to help you better understand the performance of your…
The Most Common Mistakes in Portfolio Performance Evaluation
July 11, 2025July 21, 2025 M1, Invest

Many investors sabotage their long-term financial goals by falling prey to cognitive biases and technical errors when evaluating their portfolio’s performance. Research shows that the…
MWRR vs. TWRR: Investment Performance Metrics That Matter
May 30, 2025June 18, 2025 M1

Imagine this: You’ve meticulously built your investment portfolio over years. You’ve been disciplined about your strategy, made regular contributions, and weathered market volatility. But when…
To Robinhood: Welcome to the good fight
March 27, 2025May 15, 2025 M1

Last night, Robinhood announced some new, but familiar looking features. We believe there are trillions of dollars trapped in clunky experiences with firms taking far…
Not only an M1 creator, but a client, too
November 13, 2024June 18, 2025 M1

The minds behind M1 share what makes them loyal clients. The people behind M1 aren’t just committed to making a great product. As clients themselves,…

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Invest, borrow, and spend on one intuitive platform. Customize your strategies, automate the big picture, and let The Finance Super App®️ take care of the day-to-day. M1 gives total control for your wealth today and tomorrow.

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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.

The Owner’s Rewards Card by M1 is no longer accepting new applications. Review Cardholder Agreement for important information about the Owner’s Rewards Card by M1. The Owner’s Rewards Card by M1 is serviced by M1 Spend LLC, on behalf of M1 Credit Receivables LLC.

© Copyright 2025 M1 Spend LLC. All rights reserved.

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.

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