Brokerage Accounts

Automated, commission-free investing

Flexible, customizable, and automated. It’s your money, intelligently invested the way you want, commission-free. For complete list of fees, visit M1 Fee Schedule.

Mockup of the invest dashboard in the app
Mockup of the invest dashboard in the app

Invest with Pies

Invest pie showing an account balance of 87,113 dollars and 42 cents

Invest with Pies

Customize your Pie

Add your securities as slices of your Pie or build a Pie and use it as a smaller part of your overall Pie to organize your portfolio with ease.

Dig into an Expert Pie

We’ve put together over 60 curated Pies for a variety of investing styles or goals. From responsible investing, to dividend earners, to cannabis companies and so much more.

Learn more here.

Build long-term wealth your way

Our tools help you develop the right strategy for your time horizon, risk tolerance, and goals. Then, powerful automation helps you execute and maintain it over the long term.


Build a custom portfolio of the stocks and funds you want or choose from an expert portfolio that speaks to you.


Schedule contributions, automatically invest, and dynamically rebalance every time you buy into your portfolio.

Fractional shares5

Buy as little as $1 worth of a security, regardless of price, to fine-tune your strategy. Diversify with ease and make sure you’re always fully invested.

Add more to your M1

Exclusive features and rewards that help you potentially earn more, access more, and receive more perks and discounts.

Your first three months are free.1 There’s no catch, and it only takes a moment to sign up. 

Up to 10% cash back

Apply and use the Owner’s Rewards Card by M1 as an M1 Plus member and we’ll waive the annual credit card fee. Earn 1.5%-10% back at huge brands.4

1.70% APY checking

Earn 43x the national average APY for a checking account. That’s more in 2 weeks than a year at a big bank.3

4.25% loans through M1 Borrow2

Borrow on margin at our lowest rate, and one of the lowest on the market.

Custodial accounts

Build long-term wealth for the next generation.

Your Invest questions,

Go to M1’s Help Center

Set up an individual taxable account for your general investing needs, including a joint account with a relative, spouse, or domestic partner; traditional, Roth, and SEP IRAs, or a trust account.

Read more

M1 Finance automates maintenance and simplifies construction of your custom investment portfolio. After you create your Pie-based portfolio, M1 utilizes its proprietary trading system to automate all of your trading activity. You’ll never have to input or execute any trades manually.

Read more

Unlike some companies, M1 charges no management fees. There are miscellaneous fees for some services. Click here for M1’s fee schedule.

Investing can be one of the best ways to build wealth for the long-term, but here are some things to keep in mind when creating your portfolio

  • Returns from any investment requires that the company stays in business.
  • Stock prices may fluctuate up or down based on factors inside the company, political events, or market events.
  • Inflation reduces purchasing power and may erode returns for people investing in cash equivalents.
  • Interest rate changes can affect the business operations, profits, and losses of companies in many sectors of the market.
  • The potential lack of market availability of an investment you want to buy or sell quickly can reduce potential gains but increase potential losses.

Glad you asked. Get the big picture here.

Total control, total automation for your wealth today and tomorrow

Three phones in a row each displaying different dashboards from the M1 app.

1 Your free trial (a $31.25 value) begins the date you enroll in the M1 Plus subscription, and ends 90 days after (Free Trial). Upon expiry of the Free Trial, your account is automatically billed an annual subscription fee of $125.00 unless you cancel under your Membership details in the M1 Platform.

2 M1 Borrow available on margin accounts with a balance of at least $2,000. Not available for retirement and custodial accounts. Rates may vary.

3 No minimum balance to open account or to obtain APY (annual percentage yield). APY valid from account opening. Fees may reduce earnings. Rates may vary. National average is 0.03% APY as of April, 2021. Obtained from the FDIC.

4 The Owner’s Rewards Card by M1 is Powered by Deserve and issued by Celtic Bank, a Utah-Chartered Industrial Bank, Member FDIC. Review Cardholder Agreement for more details. 1.5%-10% credit card cash back rewards earned on eligible purchases subject to a maximum of $200 cash back per calendar month.

5 If you choose to transfer your account to another broker-dealer, only the full shares are guaranteed to transfer. Fractional shares may need to be liquidated and transferred as cash.