(3 Reviews)

Robo Advisor



Smart money management. Make more, save more, and invest for free—all integrated on one easy-to-use platform.

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Asset Class Return30d

#39 Rank

In Robo Advisor30d


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Deposit $1000+, Get $30 Free

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Invest, borrow, and spend, all in one place. With combined investing, borrowing, and cash management in one easy-to-use automated platform, you can manage your money as you see fit.  M1 uses fractional shares and intelligent automation to invest your money according to your target allocations, so you can capture your money’s full potential.

Things to Know

  • You make money on

    Value + Dividends

  • Fees


  • Min Investment


  • Payout frequency


  • Term of investment


  • Target Return


  • Liquidity


  • Open to

    All Investors

  • Mobile Application

    iOS, Android

Top Perks

  • 500K+ investors join M1 for automated finances

  • Diversify outside of just stocks and bonds

  • Set your strategy, M1 automates its.

See inside MoneyMade’s 6-figure multi-asset portfolio


12+ Assets

50+ Platforms

4yr+ Returns

How you make money

The main way to earn is by using M1 smarter investing, which helps you earn returns through stock price appreciation and dividends. You can customize your own portfolio or choose from over 80 preset models. You can diversify easier with fractional shares and automate your portfolio with recurring buys and dynamic rebalancing. M1 also allows you to trade on a margin of 35% of your portfolio with a fee of 3.5%, or 2% if you have Plus.

M1 also has a debit card and checking account.  The earning abilities of these kick in when you sign up for Plus. With the upgraded feature, you can earn a 1% APY on your checking account plus 1% cashback on debit transactions. 

How M1 makes money

M1 Finance makes money in several ways even though they do not charge management fees or commissions. 

  1. Rebates from market makers and trading venues: Market makers (typically big institutions/funds) buy directly through the brokers to have discounted purchases. For that ability, the market makers pay a rebate to the brokerage to receive their orders. The brokerage sends your orders to the market maker that is most likely to execute at the best price for you and makes a few cents on each trade.
  2. Income generated from cash: They borrow the cash sitting in your account and invest it into interest-earning accounts and keep the profit.
  3. Stock loan income from counterparties: They receive interest for loaning out shares for short sales.
  4. Margin Lending: M1 earns interest on margin loans (2%-3.5%).
  5. Paid Subscription: M1 offers a Plus membership for $125 per year
  6. Debit card: M1 receives money through card transactions

Is it safe?

M1 is a technology-first company that utilizes the latest in information security. It is essential that they are a trustworthy partner. Their CEO values openness and honesty, and that transparency shines into every aspect of the M1 business and products. Their reliability can be seen through the over 500,000 accounts created and over 20,000 five-star reviews. Securities in M1 Invest accounts are insured up to $500,000 by the SIPC. M1 Spend checking accounts may be insured up to $250,000 by FDIC insurance.

  • Established


  • Country Available

    US Only

  • Assets Managed


How You’re Taxed

Capital Gains

Capital Gains

As with any stock realized stock gains, investors are subject to capital gains tax. If gains are realized within one year, you are taxed at your income tax rate. If gains are realized after one year, you are subject to a long-term capital gains tax of 0% to 20%. A common service that some robo-advisors offer through their systems is automatic tax-loss harvesting. Tax-loss harvesting is a deliberate strategy whereby any loss from the sale of a security in a taxable account is used to offset a capital gain or taxable income, thereby reducing the tax paid.


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Reviews (3)


I like the app, a lot of portfolios if you’re unsure what to invest in or how you want to invest. The transfer from your bank account happens pretty fast. The 10am window to purchase is odd but bearable. The biggest flaw I see is not having the option to turn off “Dynamic Rebalancing”. If one slice (share) of your pie has performed lower or higher, Dynamic Rebalancing will take your next deposit and compensate to return it to the percentages you had set when you first started the pie. The same way they have an auto re invest selection I would like the choice to turn on or off Dynamic Rebalancing.



Nice for buy and hold, and gives you very little features, in ways that someone who wants to trade a lot would hate, but perfect for encouraging you to take a low effort buy and hold strategy. You have to set up percentage amounts for each holding. For instant 60% on some total stock mark ETF, and 10% on apple and 30% in a bond etf. It will invest in the appropriate amounts, and each time you add money try to keep it to those percentages. You can also just click rebalance to do this if over time the balances become off, or you can change the numbers and holdings if you decide on a different strategy.



I have used plenty of investing apps like robinhood, stash, motif, ibillionaire, betterment, acorns etc. this is by far the best app for investing . For people interesting in trading robinhood is better but for investing there is nothing even close to the benefits of m1. The smart rebalance is unique to the platform. App is smooth and easy to use . I like the level of customization m1 offers which no other app is even close to. I would recommend this app for every investor (not traders)