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M1 Finance

Stock Brokers

M1 Finance is a financial services company founded in 2016, offering automated investing through its unique pie-based portfolio system. The platform allows users to create custom portfolios called pies with automatic rebalancing and dividend reinvestment. M1 Finance offers $0 commission trading, fractional shares, and portfolio borrowing with competitive margin rates. The platform provides access to stocks, ETFs, and mutual funds with no account minimums. M1 Finance is regulated by the SEC and offers protection through SIPC. The platform is particularly popular among long-term investors for its automated portfolio management and low-cost borrowing options.

Data status: partially verifiedLast verified: 2026-08-07Provider website

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Catalog tags

US Investors Long-term Investors Automated Investing Portfolio Borrowing

Risk Warning

Trading financial instruments involves significant risk and can result in the loss of your invested capital. You should not invest more than you can afford to lose and should ensure that you fully understand the risks involved. Leverage trading can amplify both profits and losses. Past performance is not indicative of future results. Before trading, please consider your level of experience, investment objectives, and seek independent financial advice if necessary.

Key Features

Automated Portfolios
Pie-Based Investing
$0 Commission Trading
Fractional Shares
Portfolio Borrowing
Automatic Rebalancing
Dividend Reinvestment

Listed highlights

  • Automated portfolio management
  • $0 commission trading
  • Low margin rates
  • Unique pie system
  • Fractional shares
  • No account minimums

Listed considerations

  • US-focused
  • Limited customer support
  • No real-time trading
  • No mutual funds
  • Platform features limited

Quick Comparison

FeatureM1 FinanceE*TRADEInteractive BrokersMerrill EdgeSoFi Invest
RatingNot availableNot availableNot availableNot availableNot available
Pricing$0 commission, $3/month platform fee (waived with $10,000+ assets)Product-specific$0/trade for eligible Lite productsProduct-specific; eligible online $0 commissions$0 commission, managed portfolios 0.25% fee
Founded20161982197820102011

Frequently Asked Questions

Is M1 Finance regulated?
Yes, M1 Finance is regulated by the Securities and Exchange Commission (SEC) and offers protection through the Securities Investor Protection Corporation (SIPC).
What are M1 Finance's fees?
M1 Finance offers $0 commission trading on stocks and ETFs. Platform fee is $3/month but waived with $10,000+ assets or active loan. Portfolio borrowing has separate rates. Confirm current pricing.
How does M1 Finance's pie system work?
M1 Finance's pie system allows you to create custom portfolios with automatic allocation and rebalancing. Each pie represents a portion of your portfolio with specific investments.
Pricing
M1 Finance offers $0 commission trading on stocks and ETFs. Platform fee is $3/month but waived with $10,000+ assets or active loan. Portfolio borrowing has separate rates. Confirm current pricing.
Min Deposit
$0
Founded
2016
Mobile App
Yes
Demo Account
No
Withdrawal
3-5 business days
Support
Email, FAQ
Regulation
SEC regulatedSIPC protection

Licence number and legal-entity verification: not recorded. Check the regulator directly.

Platforms
WebiOSAndroid
Deposit Methods
Bank TransferACH