M1 Investing Review

As the world of investing becomes more accessible to the average person, it’s important to find a platform that fits your needs. M1 Investing is one such platform that has gained popularity in recent years. With its unique features and low costs, M1 Investing has become a go-to for many investors looking to take control of their finances. In this article, we’ll dive into what makes M1 Investing stand out from other investment platforms, explore its features and costs, and provide an honest review of its pros and cons. Whether you’re new to investing or looking for a change, this article will help you decide if M1 Investing is right for you.

Introduction to M1 Investing

Are you looking for a simple and efficient way to invest your money? Look no further than M1 Investing. M1 Investing is an online brokerage platform that allows you to create a customized investment portfolio with ease.

With M1 Investing, you can choose from a variety of stocks, ETFs, and mutual funds to build your portfolio. The platform also offers automated investing options, allowing you to set up recurring investments on a schedule that works for you. Plus, M1 Investing has no account minimums or trading fees, making it accessible to investors of all levels.

Whether you’re new to investing or a seasoned pro, M1 Investing offers the tools and resources you need to succeed. Keep reading for an in-depth look at the features, costs, pros and cons of this innovative platform.

M1 Investing Features

M1 Investing offers a variety of features that make it a unique and attractive option for investors. One of the most notable features is its fractional share investing, which allows users to invest in stocks and ETFs with as little as $1. This feature makes it easy for investors to diversify their portfolio without having to purchase whole shares of expensive stocks.

Another great feature of M1 Investing is its automated investment platform. Users can create a custom portfolio or choose from pre-made portfolios based on their risk tolerance and investment goals. Once the portfolio is set up, M1 will automatically invest funds into the chosen securities based on the user’s preferences.

M1 also offers a flexible reinvestment program, allowing users to automatically reinvest dividends or choose to receive cash instead. Additionally, M1 has no account minimums or fees, making it accessible for investors of all levels. Overall, M1 Investing’s features provide a convenient and affordable way for individuals to invest in the stock market.

M1 Investing Cost

When it comes to investing, cost is always a major consideration. M1 Investing offers a unique fee structure that sets it apart from traditional brokerages. The platform charges no commissions or fees for trading stocks, ETFs, and other securities. This means you can buy and sell securities without worrying about incurring additional costs.

However, M1 Investing does charge a small annual fee for its premium service, which includes features like tax-efficient investing and the ability to invest in multiple accounts. The fee is based on the total value of your account and ranges from 0.25% to 0.35%. While this may seem like a downside compared to completely free platforms, the benefits of M1’s premium service are worth considering if you’re looking for more advanced investment options.

Overall, M1 Investing’s cost structure is transparent and affordable, making it an attractive option for both novice and experienced investors alike.

M1 Investing Pros and Cons

When it comes to M1 Investing, there are certainly some pros and cons to consider. On the positive side, M1 offers a unique approach to investing that allows for greater customization and control over your portfolio. With M1’s “pie” system, you can create a personalized portfolio made up of individual stocks and ETFs, with the ability to allocate percentages of your investment to each slice of the pie. This level of control is not typically found with traditional robo-advisors or even many self-directed brokerage accounts.

Another advantage of M1 is its low fees. Unlike many other investment platforms that charge high management fees or commissions on trades, M1 has no management fees and only charges a small fee for trading individual stocks or ETFs. This can be a significant cost savings over time, particularly for those who are actively managing their investments.

On the downside, M1 does have some limitations. For one thing, it may not be the best option for more advanced investors who want access to more complex financial instruments like options or futures contracts. Additionally, while M1’s “pie” system can be great for customization, it may also require more effort on the part of the investor to research and select individual securities to include in their portfolio.

Overall though, I believe that M1 Investing is a solid choice for those looking for a customizable and low-cost approach to investing. As with any investment platform though, it’s important to carefully consider your own needs and goals before making a decision.

M1 Investing Bottom Line

After reviewing all the features and costs of M1 Investing, it’s clear that this platform is a great choice for investors who are looking for a user-friendly and customizable investment experience. The ability to create custom portfolios with fractional shares, automatic rebalancing, and no trading fees make M1 Investing stand out from its competitors.

However, it’s important to note that M1 Investing may not be the best option for more experienced traders who require advanced trading tools or access to a wider range of investments. Additionally, the lack of human financial advisors may be a downside for those who prefer personalized guidance.

Overall, if you’re looking for an easy-to-use platform with low costs and the ability to customize your portfolio, M1 Investing is definitely worth considering.


In conclusion, M1 Investing is a great option for those who are looking to invest in the stock market with minimal fees and maximum control. With its unique features such as fractional shares and automated investing, M1 Investing provides an easy and efficient way for investors to build their portfolios. While there are some drawbacks such as limited investment options and lack of customer support, the overall benefits of M1 Investing outweigh the negatives. Whether you are a beginner or an experienced investor, M1 Investing is definitely worth considering as your go-to investment platform.

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