M1: Invest & Bank Smarter

Start investing with M1 Finance - Free Investing, the all-in-one platform that simplifies wealth-building by combining earning, investing, and borrowing in a single app. Whether you're starting your first portfolio or managing complex investments, M1 eliminates friction so you can focus on your financial goals.

Earn competitive returns on your cash without compromise. The High-Yield Cash Account offers 3.10% APY with FDIC insurance protection up to $4.75 million—no minimum balance required. Keep your money working harder while maintaining complete safety and liquidity.

Invest with the flexibility and control you deserve. Build a custom portfolio called a Pie from over 6,000 stocks and ETFs, or choose from curated portfolios aligned with your goals and risk tolerance. M1 handles the complexity through advanced automation: dynamic rebalancing keeps your portfolio on track without manual intervention, while fractional shares let you invest what you can afford. Open Individual, Join, Trust, or Custodial brokerage accounts, or roll over or establish Traditional, Roth, or SEP IRAs—all within the same app.

Borrow strategically when you need leverage. Access margin at competitive rates starting at 5.65%, borrowing up to 50% of your portfolio value with no additional paperwork or credit checks. This flexibility empowers you to execute complex strategies without unnecessary barriers.

Why investors choose M1 Finance - Free Investing: industry-leading security with 256-bit encryption, two-factor authentication, and SIPC protection up to $500,000 on investment accounts. Zero commissions on trading for clients with over $10,000 on the platform—no hidden fees or management charges eating into your returns. Manage a sophisticated, multi-account portfolio without the busy work or the high costs of traditional brokers.

Getting started is simple: create your account, build your portfolio or transfer from another brokerage, fund your account, and begin building long-term wealth. Trusted by hundreds of thousands of investors managing more than $12 billion in assets, M1 Finance brings institutional-grade investing tools to everyone. Your path to financial independence starts here.