M1: Invest & Bank Smarter

M1: Sophisticated wealth-building, simplified.

Meet M1: The Finance Super App®, where you can earn, invest and borrow—all in one place. Join hundreds of thousands of investors who trust us with more than $12 billion in assets.

EARN
• Optimize cash with our High-Yield Cash Account offering 3.35% APY ^1
• FDIC-insured up to $4.75 million ^2
• No minimum balance

INVEST
• Build a custom portfolio—called a Pie—from 6,000+ stocks and ETFs
• Choose from curated portfolios based on goals and risk tolerance
• Invest long-term with automatic rebalancing and fractional shares
• Brokerage accounts: Open Individual, Join, Trust, and Custodial accounts
• Retirement accounts: Roll over or open a Traditional, Roth or SEP IRA

MARGIN
• Competitive margin rate: 5.90% ^3
• Borrow up to 50% of your portfolio value
• No additional paperwork or credit checks

WHY CHOOSE M1?
• Advanced automation: Invest with dynamic rebalancing
• Ease and control: Manage a complex portfolio without the busy work
• Low costs: No commissions on trading^, free for clients with over $10,000 on M1

SECURITY
• Bank-level 256-bit encryption
• 2-factor authentication
• SIPC protection up to $500,000 on Investment Accounts

GET STARTED
1. Create your account
2. Build your portfolio or transfer from another brokerage
3. Fund your account and start building long-term wealth
M1. Yours to Build.®

^1 Annual Percentage Yield (APY) as of 10/30/25. Rates subject to change.
^2 The cash balance in your Cash Account is eligible for FDIC Insurance once it is swept to our partner banks and out of your brokerage account. Until the cash balance is swept to partner banks, the funds are held in a brokerage account and protected by SIPC insurance. Once funds are swept to a partner bank, they are no longer held in your brokerage account and are not protected by SIPC insurance. FDIC insurance is not provided until the funds participating in the sweep program leave your brokerage account and into the sweep program. FDIC insurance is applied at the customer profile level. Customers are responsible for monitoring their total assets at each of the sweep program banks.
^3 Margin rates are subject to change. See current rates at m1.com/borrow.
^ M1 Finance, LLC does not charge commission, trading, or management fees for self-directed brokerage accounts. You may still be charged other f