M1

M1 is the Finance Super App: invest, borrow and spend, all in one place. Sign up today.

NEW: SMART TRANSFERS

Goodbye manual calculations. Now, you can build a system of automated rules that lets you organize your transactions with just a few clicks. Your money will move between your M1 accounts automatically, so you can optimize your investing, borrowing, and spending.

Brief: M1 is a comprehensive, intelligently designed financial platform that empowers you to combine investing, borrowing, and spending in one user-friendly app. Serving over 500,000 investors, M1 is predicated on the philosophy of giving you control over your finances at no cost.

Core Features:

• 💹 Customizable Portfolio: Build a personalized portfolio with any stock or ETF without paying any management fees.
• 🔄 Intelligent Automation: Utilize automated tools to invest routinely, rebalance with a single click, and streamline your investment process.
• 💳 M1 Borrow: Access a low-interest line of credit with rates between 2-3.5%, given you've invested a minimum of $10,000.
• 🏦 M1 Spend: Seamlessly transition between investing and spending with the M1 checking account.

Pros:

• 👌 No Cost Investing: Start building your portfolio without worrying about high fees eating into your profits.
• 🧠 Smart Tools: Benefit from next-gen tools that automate and optimize your investment experience.
• 💰 M1 Plus Perks: Enjoy additional benefits such as high APY on checking, cashback on purchases, and reduced borrowing rates.
• 🛡️ Account Security: Feel secure with SIPC insurance for investment and FDIC insurance for checking accounts.

Cons:

• 📈 Risk of Loss: Investments always carry the risk of loss, and the app does not guarantee against financial loss.
• 💳 Limited Borrowing: Borrowing is not available for retirement accounts, and margin borrowing carries additional risks.
• 🏦 Accessibility to Credit: To unlock M1 Borrow's features, a substantial minimum investment is required.
• 🤝 Advisory Absence: M1 does not offer personal investment advice, which might be a downside for those seeking guided financial planning.

Price:

• 💵 M1's basic financial tools are available for free. M1 Plus, which offers additional perks, is a premium service with an annual membership fee.

Community section is not included as M1 is not a game app.

For anyone looking to take control of their personal finances with advanced yet user-friendly tools, M1 stands out as a powerful ally. Whether you're a seasoned investor or just starting, M1's blend of innovation and assurance offers a distinct path to financial autonomy.