Our mission is to empower you to improve your financial well-being

Everything we do centers on you, the investor.

From our product features, to our automation capabilities, to the content we produce, we’re focused on helping you manage your money and grow your wealth the way you want to.

Freedom

Choose the stocks and ETFs you want in your portfolio.

Ease

Diversify easily with fractional shares.

Powerful

Schedule contributions and rebalance with one click.

Sophisticated

Borrow against your investments. info icon


With M1, there’s no comparison

M1 provides greater automation, better checking, lower margin rates, and more chances to keep doing more of what you want.


M1 Logo

Vanguard

Schwab

Fidelity

Robinhood

AUTOMATION

AUTOMATION
M1 Logo

Dynamic Rebalancing, Investing schedules, Smart Transfers info icon

Vanguard

Yes, only with Digital Advisor and associated fees and minimum investments

Schwab

Only available with Intelligent Portfolios®

Fidelity

Only available with hybrid robo advisor

Robinhood

Only investment schedules for specific stocks and ETFs

FRACTIONAL SHARES

FRACTIONAL SHARES
M1 Logo

Yes, on stocks and ETFs

Vanguard

No

Schwab

Yes, only on S&P 500 stocks®, minimum $5 investment

Fidelity

Yes, only available on mobile app

Robinhood

Yes, on stocks and ETFs

MARGIN RATES

MARGIN RATES
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2.75% — 4.25% info icon

Vanguard

4.75 — 8.5%

Schwab

6.825 – 8.575%

Fidelity

4.250% — 8.575%

Robinhood

$5/month + 2.5%

DIGITAL BANKING

DIGITAL BANKING
M1 Logo

Yes, 1% APY and 1% cash back with M1 Plus info icon

Vanguard

No

Schwab

Yes, 0.03% APY

Fidelity

Yes, 0% APY

Robinhood

Yes, 0.3% APY

FEES

FEES
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Commission Free, M1 Plus is $125/year

Vanguard

Commission Free, but some options carry fees

Schwab

Commission Free, but some options carry fees

Fidelity

Commission Free, but some options carry fees

Robinhood

Commission Free, but some options carry fees


Check out Plus here

M1 rates are current as of March 2022. Information on competing brokerages was accessed from each brokerage’s website in March, 2022.


Headshot of Dan T.

I’ve used several different brokerages, and none of them have delivered the diversification and freedom in investment choices like M1 has.

– Dan T.

Testimonials may not be representative of the experience of other customers. Not a guarantee of future performance or success.



Get up to $2,500 when you switch to M1

Transferring securities to M1 from another brokerage account is simple. Plus, see how much you could earn. 


ACCOUNT TRANSFER SIZE
YOUR BONUS

$100,000 – $249,999.99

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$250

$250,000 – $499,999.99

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$500

$500,000 – $999,999.99

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$1,000

$1,000,000 +

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$2,500



Headshot of Christopher P.

I’ve tried so many banks, brokers, financial products…I am exhausted. M1 is way ahead of the competitors.

– Christopher P.

Testimonials may not be representative of the experience of other customers. Not a guarantee of future performance or success.

Recognized and celebrated


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Hundreds of thousands of investors

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35,000+ 5-star reviews
(App Store and Google Play)

Investopedia logo

Best for sophisticated investors
(Investopedia, 2021)

Money Logo

One of the best robo-advisors
(Money, 2021)

Dark blue Yahoo logo

Best free trading platform in 2021
(Yahoo, 2021)

The Ascent by Motley Fool logo

Best for investing and banking in one
(The Ascent, 2021)


Total control, total automation
for your wealth today and tomorrow.


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Transfer a brokerage account to M1 and earn up to $2,500

Transfer a brokerage account or IRA to M1 and earn up to $2,500. Here’s how to get started:

  1. Get a copy of a recent account statement from your brokerage.
  2. Ensure you have an account open in good-standing at M1 that matches the account type you’re transferring (e.g., if you are transferring securities from a joint brokerage account, you’ll need a joint brokerage account open at M1)
  3. Submit a transfer request from another brokerage account within the first 60 days of New Client Sign-up Date with M1. Click here to get started.

Terms and Conditions

Promotion Period: February 19, 2022 through December 31, 2022

During the Promotion Period, this ACATS promotion offer applies to direct account transfers of at least $100,000 (from participating brokerages) initiated within the first sixty (60) days from New Client Sign-up Date on M1 (“ACATS Transfer Promotion”). Any Promo Credit1 earned for eligible transfers will be paid 150 days after the New Client Sign-up Date with M1. “New Client sign-up Date” is defined as the day a new client submits a valid email and password creating a user login for M1 Finance. This ACATS Transfer Promotion offer is valid only for direct broker transfers received through the Automated Customer Account Transfer Service (“ACATS”). This offer is non-transferable, and not valid with any of the following: internal transfers, ACH deposits (bank transfers), wire transfers, direct 401(k) rollovers, or in conjunction with other promotional offers M1 Finance or may offer from time to time. If you satisfy the aforementioned conditions, M1 will make a one-time deposit into the cash balance of your M1 taxable investment account in accordance with Table 1 below (Note: the following accounts are ineligible to receive any cash deposit: any retirement, custodial or trust).

Cryptocurrency is not eligible for ACATS. Additionally, any security transferred via ACATS that is not traded by M1 will be liquidated, including but not limited to Mutual Funds and Over-The-Counter securities.

The Promo Credit amount (see Table 1 below) will be based on the aggregate Account Value2 of all brokerage accounts or IRAs transferred within the initial 60 days of new client sign-up date. The aggregate “Account Value” is determined as the current market value of all holdings and cash on the day the transfer is completed. Account Value of the qualifying account must remain equal to, or greater than, the value after the net deposit was made (minus any losses due to trading, market volatility or margin debit balances) at time of ACATS Transfer Promotion pay out. M1 Finance may charge the account for the cost of the offer at its sole discretion. M1 reserves the right to restrict or revoke this offer at any time. This is not an offer or solicitation in any jurisdiction where we are not authorized to do business.

Taxes related to any M1 Finance promotional offers are your responsibility. All promotional items and cash received during the calendar year will be included on your consolidated Form 1099. You are encouraged to consult a legal or tax advisor for the most recent changes to the U.S. tax code and for rollover eligibility rules.

ACATS Transfer Promo

Account Value1Promotional Credit ($)
$100,000 – $249,999.99$250
$250,000 – $499,999.99$500
$500,000 – $999,999.99$1,000
$1,000,000 +$2,500

Transfers completed retroactively, or before the Promotion Period, are ineligible for this ACATS Transfer Promotion.

This promotion is not valid with any other offers and is non-transferrable. Offer available only to individuals who are 18 years or older and are Legal U.S. Residents. M1 reserves the right to terminate this offer at any time, to limit the amount of account bonuses you are eligible to receive, and to refuse or recover any promotion award if M1 determines that it was obtained under wrongful or fraudulent circumstances, that inaccurate or incomplete information was provided, or that any terms of the M1 Terms of Use or Account Agreement have been violated. This offer is not valid if the name on the M1 account is different than the name on the outside brokerage account requested for the ACATS.

General Conditions: By participating in this ACATS Transfer Promotion, you agree to release, discharge, indemnify, and hold harmless, M1, its affiliates, retailers, and advertising and promotion agencies, and all of their respective officers, directors, members, managers, partners, and employees from any liability or damages that may arise out of participation in this ACATS Transfer Promotion or out of acceptance, use, misuse or possession of the cash deposit attained through this promotion. All applicable federal, state, and local laws and regulations apply.

Your Personal Information: Personal information collected in connection with this offer will be used in accordance with M1’s Privacy Policy.

This promotion expires at 12:00pm ET on the last day of the Promotion Period. M1 is the sole timekeeper of this promotion.

Check the background of M1 Finance LLC on FINRA's BrokerCheck

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 refers to M1 Holdings Inc., and its affiliates. M1 Holdings is a technology company offering a range of financial products and services through its wholly-owned, separate but affiliated operating subsidiaries, M1 Finance LLC and M1 Spend LLC.

M1 Plus is an annual membership that confers benefits for products and services offered by M1 Finance LLC and M1 Spend 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 learn more 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 is not a bank. M1 Spend checking accounts furnished by Lincoln Savings Bank, Member FDIC. M1 Visa® Debit Card is issued by Lincoln Savings Bank, Member FDIC.

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.

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.

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