M1 RETIREMENT ACCOUNTS

Live for today. Invest for tomorrow.

Build wealth for retirement with an M1 IRA. Manage your own investments, automate contributions, and take control of your future.

Open an account

Build your nest egg, your way

Create a diverse portfolio

Select your investments from over 6,000 stocks, funds and ETFs.

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Automate contributions

M1 will intelligently invest each deposit into your portfolio (keeping within IRA limits).

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Streamline your money management

Get all your investments under one roof to make your life easier.

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Move your retirement account to M1

Manage your accounts in one place.

Have a 401(k) from an old job? Or maybe a few? Moving your employer-sponsored retirement plan into an M1 IRA lets you keep the tax advantages of your old account.

If you want to consolidate and manage your portfolio in M1, we make it easy to track your progress. It only takes a few steps to transfer an IRA from another brokerage to M1.

A rollover is not your only option. Talk to a financial expert before making changes to your retirement savings.

See how

Which IRA is right for you?

An individual retirement account (IRA) is an investment account that can help you save money for retirement with tax-free growth or on a tax-deferred basis. M1 offers 3 types of IRAs.

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Traditional IRA

Contributions to a Traditional IRA are usually tax-deductible. If you contribute pre-tax, you’ll need to pay taxes on your contributions and earnings later, when you withdraw from this account.

Roth IRA

Contributions to a Roth IRA are not tax-deductible. But when it’s time to withdraw, you’ll be able to put every qualified dollar to use, tax-free.

SEP IRA

SEP (Simplified Employee Pension) IRAs are available to those who are self-employed, own a business, employ others, or earn freelance income. You may need to pay taxes on funds you withdraw from this account.

Use time to your advantage

Investing for retirement sooner, rather than later, can help you compound your earnings.

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Hypothetical example for illustrative purpose only. Calculations assuming the following constraints: (a) an initial investment of $1000, (b) an annual rate of return of 10%, (c) no taxes, fees, inflation, or withdrawals. The assumed rate of return is not guaranteed as investing involves risk of loss. Source: Investopedia.com

Your retirement account questions, answered

Go to Help Center

Anyone with earned income is eligible to open and contribute to an IRA.

Traditional IRAs allow you to invest pre-tax dollars and pay taxes on your earnings at the time of withdrawal. Roth IRAs allow you to invest post-tax dollars, enabling you to withdraw contributions without paying taxes. Learn more in our Knowledge Bank.

Withdrawing from your IRA may subject you to taxes and penalties depending on your age, type of IRA, and how long your account has been funded.

Yes, you can open and contribute to multiple IRAs, with some requirements. For more details about managing multiple IRAs, visit the Help Center.

Crypto can’t be included in an IRA. You will be able to invest in a wide range of stocks and ETFs with your IRA.

Join the next wave of long-term wealth building
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Long-term investing interface on M1


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