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M1 Finance

M1 Finance makes investing simple with expert curated "pies" and automated investing. Good choice for beginners and long-term investors. 


M1 Finance is an affiliate company and will compensate us, if you sign up for their products or services using our affiliate links. However, this does not influence our evaluations. Our opinions are our own.

Why we like M1 Finance:

Lemon Cake

Curated Pies

M1 Finance offers expertly curated "investment pies" that makes investing simple. For example, if you want to start an IRA and plan to retire in 2060, you may select an expert pie named "2060 Moderate" (or "2060 Conservative" or "2060 Aggressive").

New Growth

Long-term Investing

M1 Finance is designed to encourage long-term buy and hold investing vs. actively trading. In alignment with this philosophy and to keep costs down, trading is only available once per day at 6:30am. We believe this helps discourage impulsive and emotional trading.


Automated Investing

Once you've built your investment pie, you just need to link your external account, set a recurring transfer (you decide on the frequency), turn on "auto invest" and every time money is transferred to your investment account, the cash will be automatically invested.

M1 Finance in action

The video below shows an example curated pie for "2050 Aggressive". As you can see, it's easy to research your options from curated investment pies before making your investment decisions.  

Account features


Commission free trading of stocks and ETFs. But other account fees may apply (i.e., regulatory, account closure).

M1 Plus

No investment management fee, but the Plus membership costs $10/month and unlocks 5% APY on cash in their High Yield Savings Account (HYSA). Makes sense if you will park larger amounts of cash (i.e. more than $12,000) in their HYSA.

Account Minimum + Insurance

$100 for taxable brokerage account and $500 for retirement accounts. SIPC insured.


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Things to consider

Real-time Trading

Not suitable for investors who want to trade real-time. In line with M1 Finance’s long-term investing vs. actively trading philosophy and to keep costs down, trading is only available once per day at 9:30AM EST (and 3PM EST for M1 Plus members)

Dividend Reinvestment

No dividend reinvestment, but dividends are paid back to your account (and automatically reinvested during the next trading window)


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Investing Disclosure: All investing involves risk, including the risk of losing the money you invest. Brokerage products and services are offered by M1 Finance LLC, Member FINRA / SIPC, and a wholly owned subsidiary of M1 Holdings, Inc. M1 does not provide investment advice, and this is not an offer or solicitation of an offer, or advice to buy or sell any security, and you are encouraged to consult your personal investment, legal, and tax advisors. Past performance does not guarantee future performance.

FDIC Disclosure: 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 Disclosure: 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.

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