M1 Finance

4.2(1.200 reviews)

US neobroker with pie investing, credit line and high-yield account

SEC/FINRA RegulatedSince 2015

Trust Score

Very Good

Ready in 2 minutes

* External link. BeInOptions receives no compensation from this broker. All information is for educational purposes only and does not constitute investment advice.

100 $

Min. Deposit

Instruments

SEC/FINRA

Regulation

Platforms

Key Features

US Stocks

US Stocks trading available

ETFs

ETFs trading available

Fractional Shares

Fractional Shares trading available

Crypto

Crypto trading available

M1 Finance Web

Trading Platform

M1 Finance App

Trading Platform

Advantages

Unique pie investing for automated portfolio
Commission-free stock and ETF trading
Integrated credit line (M1 Borrow) at low rates
High-yield account and credit card in ecosystem

Disadvantages

Only one trading window per day (Standard)
No advanced trading tools
Only available for US customers

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* External link. BeInOptions receives no compensation from this broker. All information is for educational purposes only and does not constitute investment advice.

About M1 Finance

M1 Finance was founded in 2015 in Chicago and has positioned itself as a unique neobroker that combines investing, borrowing, and banking in one platform. The platform is regulated by SEC and FINRA and is exclusively available to US customers. The centerpiece of M1 Finance is its patented pie investing system: users create "pies" containing various stocks and ETFs in individual weightings. Deposits are automatically invested according to the defined allocation and rebalanced when needed. This approach combines the flexibility of stock trading with the automation of a robo-advisor. Additionally, M1 Finance offers a credit line (M1 Borrow) against the investment portfolio at low interest rates, plus M1 Spend, a high-yield account with debit card. M1 Plus ($125/year) unlocks premium features like a second daily trading window, higher interest rates, and additional benefits. M1 Finance targets long-term investors seeking automated, commission-free portfolio building.

M1 Finance FAQ

How does pie investing work at M1 Finance?

With pie investing, you create a "pie" from various stocks and ETFs with individual percentage weightings. Each deposit is automatically invested according to these weightings. M1 automatically rebalances the portfolio to maintain the target allocation. You can also use Expert Pies (pre-built portfolios).

What is M1 Borrow?

M1 Borrow is a portfolio credit line that allows you to borrow up to 35% of your investment portfolio. Interest rates are lower than traditional loans, and there is no fixed repayment schedule. M1 Plus members receive additionally reduced interest rates.

Can I use M1 Finance in Germany?

No, M1 Finance is exclusively available to US customers. You need a US Social Security Number (SSN) and a US address for account opening. European alternatives with similar features would be, for example, Trade Republic or Scalable Capital.

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