Hands-off investing, with advice on hand

Let your portfolio do the work. Bring the big questions to M1 Advisor.

Gut-check your next move with M1 Advisor

Wondering what an extra $200 a month could do? Or if your money is working against itself? M1 Advisor runs the numbers on your actual accounts and walks you through its reasoning. It won’t act in your account, so every move stays yours to make. And it’s legally required to act in your best interest.

Explore the power of automation with the M1 Pie

• Adjust

Change your targets any time

Edit your allocations, remove or add holdings, and tinker anytime you want.

• View

Your M1 portfolio is shown as a Pie

Holdings are represented by Slices.

• Build

Choose your holdings

Set target allocations for each Slice—the percentage of your portfolio you want each holding to comprise.

• Auto-Invest

Effortless, hands-off trading

When you deposit, M1 intelligently queues up your next buys. Underweight Slices are bought first to keep your portfolio more balanced over time.

• Monitor

Visualize your portfolio

As the market moves, Slices may shrink or grow depending on performance.

• Diversify

Group holdings in a Slice

You can use a Pie of holdings as a Slice (e.g. “Tech Stocks”) to further customize your portfolio.

• Rebalance

Return to targets with a click

Click “Rebalance” if you want to sell from overweight Slices and use the proceeds to buy underweight Slices.

Skip the real-time updates

Who needs second-by-second trading data when you’re in it for the long haul? M1 executes trades during scheduled trade windows. This takes the emotion out of timing your trades for a more disciplined approach.

Track and direct dividend income

• Reinvest in the security that generated it (M1 DRIP)
• Invest it in your whole Pie
• Transfer to a High-Yield Cash Account

Understand your performance

See for yourself how your portfolio’s historical performance compares to other stocks, ETFs, and even custom Pies—so you can create benchmarks tailored to your strategy.

Margin: Built into your investing workflow

Borrow up to 50% against eligible securities with a click.

• Get cash to invest or spend
• Competitive rate: 5.90%
• Available in taxable brokerage accounts with over $2,000 in eligible securities

Account types

Brokerage accounts

• Individual Brokerage Account
• Joint Brokerage Account
• Custodial Account

Retirement accounts

• Traditional IRA
• Roth IRA
• SEP IRA

Other accounts

• Crypto
• Trust

Your brokerage account questions, answered

Are there any fees?

A $3 monthly platform fee will apply to clients with less than $10,000 in M1 assets or without an active Personal Loan. The fee will be waived if your opened M1 Invest or Earn accounts settled aggregate balance equals or exceeds $10,000 for at least one day during the 30-day billing period. The monthly platform fee will be waived for all clients with an active M1 Personal Loan, regardless of their M1 Invest or Earn balances.

We don’t charge any commission, trading, or management fees for self-directed brokerage accounts. However, you may still be charged other fees such as M1’s platform fee, regulatory fees, account closure fees, or ADR fees.

How does M1 trade?

M1 uses a proprietary trading system to automate your trading activity. Buys are queued up and executed during trade windows. You don’t have to input or execute any trades manually if you don’t want to.

What kind of accounts does M1 support?

You can set up an individual or joint taxable account; traditional, Roth and SEP IRAs; trusts and custodial accounts; and crypto accounts.

What are the risks?

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

• Returns from any investment require 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.
• All investing involves risk, including the risk of losing the money you invest. M1 does not provide investment advice or recommendations and you should do your own research before investing in any security.

Where can I get more information?

If your question isn’t listed here, go to the Help Center.