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Plan

Master your financial future with expert planning resources. Learn financial wellness, goal-setting, and retirement strategies for long-term prosperity.

Blog, couple, vacation

10 things wealthy clients are doing with their money (and how they do it on M1)

December 9, 2022July 8, 2024 Plan

Personal finance is just that – personal – but the goals remain the same: To protect and grow your wealth. It’s also a journey of…

3 considerations for your financial plan in a high-interest rate market

3 considerations for your financial plan in a high-interest rate market

November 21, 2022July 4, 2024 Plan

As the Federal Reserve continues raising interest rates, we discuss three strategies you could include in your financial plan.

Finding certainty in the uncertain

Finding certainty in the uncertain

November 14, 2022July 4, 2024 Plan

Through midterms, earnings, and interest rates we explore what we do know about the market in these times of uncertainty.

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How zooming out can potentially help you build wealth

September 19, 2022July 4, 2024 Plan

Learn how zooming out can potentially help build wealth, M1 product updates, personal finance calculators, and more in The Investor’s Mindset.

Man and woman managing finances together on laptop computer in a cafe

Explaining APEs, decoding burnout, and using your portfolio as collateral

August 29, 2022July 4, 2024 Plan

Learn about AMC’s strategy to raise money with APE stocks, how to recognize three types of burnout, and more in The Investor’s Mindset.

Financial wellness tips to help you unwind

Financial wellness tips to help you unwind

August 22, 2022July 4, 2024 Plan

Time off is an important part of financial wellness. Use these three tips to manage your money while away so you can fully enjoy your break.

Desktop of investor with newspaper, glasses, coffee, and a laptop

July’s jobs report, Inflation Reduction Act highlights, and more 

August 12, 2022July 4, 2024 Plan

Market news for August 8-11, 2022, including the Inflation Reduction Act, consumers’ inflation expectations, July’s jump in jobs, and more.

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Data science in finance: 5 applications transforming the industry

August 11, 2022July 4, 2024 Plan

Discover how data science is transforming the finance industry through five common ways finance companies use data to improve business.

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Some investors bet on big tech, America’s energy crisis, and more

August 5, 2022July 4, 2024 Plan

Weekly market news on why some investors are betting on tech, the new problem with the supply chain, and America’s energy crisis.

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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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