M1: Invest & Bank Smarter

M1 Finance is a comprehensive platform that allows users to earn, invest, spend, and borrow all in one place. With over $9 billion in assets and hundreds of thousands of investors, M1 Finance is a trusted platform for managing finances.

One of the key features of M1 Finance is the ability to earn 5.00% APY on money in a High-Yield Cash Account. Users can also set their own rules and automate money moves with Smart Transfers.

Investing is made easy with M1 Finance, as users can automate their long-term strategy with individual, joint, trust, or custodial accounts. They can also open a Traditional, SEP, or Roth IRA or rollover a 401(k). With over 6,000 stocks and ETFs to choose from, users can build a custom portfolio or select from pre-made Model Portfolios based on common strategies. Fractional shares allow for more flexibility and power in investing, and one-click rebalancing ensures that investments match goals.

M1 Finance also offers the option to invest in cryptocurrencies, including BTC and ETH, as part of a long-term strategy. Users can also earn and reinvest cash back with the Owner's Rewards Card, allowing them to build wealth while spending.

For those in need of borrowing, M1 Finance offers margin loans and personal loans. Margin loans allow users to tap into the power of their portfolio through a line of credit, while personal loans range from $2,500 to $50,000 and have no prepayment penalties, origination fees, or late fees.

Planning for retirement is made easy with M1 Finance, as users can open a Traditional, SEP, or Roth IRA or rollover a 401(k). They can also automate contributions and think about maximizing their retirement savings.

M1 Finance also prioritizes account protection, with securities in investment accounts protected up to $500,000 through SIPC. The platform is available to US residents over the age of 18 and is not FDIC insured.

Overall, M1 Finance is a technology company that offers a range of financial products and services through its affiliates, M1 Finance LLC and M1 Spend LLC. It is a comprehensive and user-friendly platform for managing all aspects of personal finances.