Automated, long-term investing - M1
Think differently. Build long-term wealth with M1.
M1 is where long-term thinkers put their dollars to work. Take the emotion out of investing, earn 3.35% APY1 on your uninvested cash, and automate the busy work of building wealth.
“Think differently and afford the extra guac.” -Jaspreet Singh, The Minority Mindset
Recommended by Jaspreet
4.7 stars on Apple App Store*
4.5 stars on Google Play Store*
3.10% APY1 on cash
#RethinkRich
Invest
Build a portfolio focused on long-term growth.
Earn
Keep cash earning at 3.35% APY1.
Automate
Set rules for how money moves between accounts.
How M1 thinks differently
Many investing apps are built around day-trading and impulse buys. M1 is built for those with a different mindset.
Smart Transfers
Tell your money what to do
Build “if this, then that” rules across your accounts. For example, you can set a rule to fill your Cash Account up to a cap, max out your Roth IRA, then route the rest into your taxable Pie — all on autopilot.
Dynamic rebalancing
Put your portfolio on cruise control
On M1, your investments live in a Pie. Each holding is a Slice with a target percentage you set. New deposits buy underweight Slices first, so your portfolio rebalances as new money comes in.
Automated investing
Auto-invest with ease
Schedule a recurring deposit and let auto-invest do the work of investing based on your allocations. You choose the strategy, M1 runs the play.
Trade windows
Avoid emotional trading
Trading happens during scheduled trade windows, not on a whim. That way, you can make deliberate investing choices over trying to time the market.
As featured in
Best for Sophisticated Investors and Cryptocurrency Portfolio Selection
Investopedia, 2026
Best Custodial Account
Forbes, 2026
Best for Customizable Portfolios
Nerdwallet, 2026
Rethink your wealth-building experience today
*Sources: https://apps.apple.com/us/app/m1-investing-banking/id1071915644 & https://play.google.com/store/apps/details?id=com.m1finance.android&hl=en_US&gl=US&pli=1
1Stated APY (annual percentage yield) with the M1 High-Yield Cash Account is accrued on account balance. Obtaining stated APY requires a minimum initial deposit of $100. APY is solely determined by M1 Finance LLC and its partner banks, and will include administrative and account fees that may reduce earnings. Rates are subject to change without notice. M1 High-Yield Cash Account is a separate offering from, and not linked to, the M1 High Yield Savings Accounts offered by M1 Spend LLC’s banking partner. M1 is not a bank.