RETIREMENT ACCOUNTS

Build your retirement

Build your own retirement strategy and maintain it easily with M1’s IRAs.

Why set up an IRA with M1?

Build your retirement
Develop the retirement strategy that’s right for you, and implement it with our easy-to-use tools.

Control
Choose the stocks and ETFs you want to invest in, or start with one of 80+ Expert Pies.

Ease
Diversify with fractional shares1 and automate your contributions so you can invest in your future without the hassle.

No management fees
Goodbye confusing costs and hidden fees. For complete list of fees, visit M1 Fee Schedule.

Choice
Choose from Traditional, Roth, or SEP IRAs.

Mockup of the invest dashboard in the app
Invest pie showing an account balance of 87,113 dollars and 42 cents

Help your savings grow

Set an investing schedule to automate your contributions and ensure you’re always working to build wealth in the background.

We’ll keep your portfolio balanced with Dynamic Rebalancing, so you can sit back, relax, and let your money do the work for you.

Move your retirement savings under one roof

Consolidate your retirement accounts to M1 to get a closer view of your full financial picture.

Do you have an old 401(k) you need to roll over? How about other IRAs that you want to bring under the M1 roof?

Start your transfer to M1 today. We’ll guide you through the whole process and make the transfer as seamless as we can.

Your questions answered

Go to M1’s Help Center

There are no management fees on your M1 IRA account and no trading commissions. A $100 fee is applied if you close your IRA, and there is a $100 fee for outgoing account transfers. Learn more here.

M1 supports Traditional, Roth, and SEP IRAs.

Total control, total automation for your wealth today and tomorrow

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

1If 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.