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Should you roll your 401(k) into an IRA?

Should you roll your 401(k) into an IRA?

July 16, 2020March 30, 2022 Investing

So you changed your job, and now you have to get used to a whole new routine and take care of some adjustments. One adjustment…

Sell in May and go away? How to think about this pattern in 2020

Sell in May and go away? How to think about this pattern in 2020

May 21, 2020March 30, 2022 Insights

You may have heard the old “sell in May and go away” adage. But why does this pattern exist, and does it even apply anymore?

Do you really need a financial advisor?

Do you really need a financial advisor?

May 10, 2019March 30, 2022 Insights

When it comes to managing your money, who’s the best person for the job? The answer isn’t as straightforward as you may think.

Understanding the consequences of complex portfolios

Understanding the consequences of complex portfolios

April 17, 2019March 30, 2022 Investing

M1 gives you the power to create your investing portfolio as you see fit, but what are the drawbacks of a portfolio that is too complex?

A brief history of low-fee investing

A brief history of low-fee investing

February 12, 2019March 30, 2022 Investing

Once upon a time, individuals who wanted to invest in the stock market had to pay expensive fees to do so. Even if you had…

Survey: M1 investors most likely to review investments quarterly or annually

Survey: M1 investors most likely to review investments quarterly or annually

January 23, 2019June 24, 2022 Investing

During the last weeks of 2018, we polled our customers to get a sense of their investment plans for 2019. Here, we present those findings, along…

Just married? Here’s your guide to combining finances

Just married? Here’s your guide to combining finances

December 27, 2018December 1, 2022 Planning

If you’re recently married or planning to be married soon, chances are you’re older than your parents or grandparents were when they tied the knot. That means…

Lump-Sum Investing vs. Dollar-Cost Averaging: The Pros and Cons

Lump-Sum Investing vs. Dollar-Cost Averaging: The Pros and Cons

June 6, 2018March 30, 2022 Investing

When it comes to your investments, what’s the best strategy for you?

Must-read personal finance books for women

Must-read personal finance books for women

March 1, 2018March 30, 2022 Wellness

It’s no secret that women face unique financial challenges. They earn less[1], live longer, and generally struggle to achieve the same financial confidence as their…

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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. 

M1 Plus is an annual membership that confers benefits for products and services offered by M1 Finance LLC, M1 Spend LLC and M1 Digital LLC, each a separate, affiliated, and wholly-owned operating subsidiary of M1 Holdings Inc.

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.

Commission-free trading of stocks and ETFs refers to $0 commissions charged by M1 Finance LLC for self-directed brokerage accounts. Other fees may apply such as regulatory, M1 Plus membership, account closures and ADR fees. For complete list of fees, visit M1 Fee Schedule.


M1 is not a bank.  Personal Loans provided by B2 Bank National Association, Member FDIC, Equal Opportunity Lender. 


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, a Utah-Chartered Industrial Bank, Member FDIC.


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

      Brokerage accounts

      Individual

      Joint

      Crypto

      Custodial

      Retirement Accounts

      Traditional IRA

      Roth IRA

      SEP IRA

      Other accounts

      Trust

      More about investing at M1

      Transfer investments to M1

      How M1 Pies work

      Automate your investing

      Borrow against your account

      Account safeguarding

  • Borrow
    • Borrow against your qualifying investments or from us with low rates for qualified borrowers.

      Portfolio lines of credit

      Margin Loans

      Loans

      Personal Loans

      More about Margin Loans at M1

      What’s a margin loan?

      What can you use one for?

      M1 Plus lowers your interest rate

      Maintenance calls

      Margin loans differ from personal loans

      More about Personal Loans at M1

      Personal loan eligibility

      Does applying for a personal loan affect my credit?

      When will I receive my funds?

      M1 Plus lowers your APR

  • Spend
    • Maximize everyday finances with high-yield bank accounts and tiered credit card rewards.

      Checking

      M1 Spend

      Credit

      Owner’s Rewards Card

      More about everyday finances with M1

      Automate your transfers

      Higher yields with M1 Plus

      What are Owner’s Rewards?

      Account safeguarding

      More about credit at M1

      What are Owner’s Rewards?

      Higher cash back with M1 Plus

  • Save
    • An FDIC-insured savings account with industry leading 4.50% APY*.

      Savings

      High-Yield Savings Account

      More about High-Yield Savings Accounts with M1

      Higher yields with M1 Plus

      Account safeguarding

      Savings FAQs

  • Plus
    • Membership
  • Resources
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    • Contact Us
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    • Our Mission
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