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Getting Started with M1 Finance

What is M1 Finance?

M1 Finance is an app allowing you to invest, borrow and spend within one easy platform. With no minimums or account management fees, it is the perfect way for new investors to start while avoiding the high entry costs, fees, and volatile day trading of traditional stock markets. M1 Finance offers investments via stocks and shares, borrowing against your investments, checking accounts, and rewards cards, all with zero to minimum fees, all accessible via their app. For a full breakdown of the advantages of M1 Finance, check out our review: M1 Finance Review

How does M1 Finance work?

M1 Finance uses Pies to give you a diverse portfolio. Pies are a group of stocks that all balance each other to reduce the risk you would have with buying stocks in just one company. M1 Finance allows you to buy fractional stocks, meaning you don’t have to buy a full stock in a company, instead buy multiple factional stocks from different companies. Once your Pie has been created, any further investments will benefit from the automated rebalancing system that M1 offers. Once you have set up your Pie, you can add slices, which can either be other Pies or individual stocks. This system allows you to quickly and easily see what breakdown you have within your portfolio and which parts you may want to invest more or less into. Once you have begun investing M1 Fiance allows you to make transfers directly to your checking account or even to other brokers you may be using, making getting your money back simple and easy with no additional cost.

I am new to investing, how do I know what to do?

Investing can seem like a big and scary thing to first-time investors. With traditional investing, many first-time investors were dissuaded by complicated procedures or huge fees associated with brokers. Luckily apps like M1 Finance have become commonplace with even traditional brokers now offering online accounts. With many people lacking the time to study the stock market, simplified displays and visual aids now allow anyone to quickly and easily understand the flow of the market. M1 Finance is as simple and easy of an app as they come but here at, we are here to help and so have compiled our best tips and tricks for you to make the most of M1 Finance: M1 Finance top 6 tips and tricks. M1 Finance also posts news articles about the finance industry including advice on what sectors are developing and research that has been conducted.

Is it safe to use apps connected to my bank?

Like any form of banking, finance, or investing apps, M1 Finance follows rigorous measures to ensure that their customers and their money are safe. Like with any form of security the highest risk is with customers and their passwords. In order to keep your investments secure there are some simple rules to keep your passwords safe:

  • Try to use different passwords for different accesses, this will reduce the chance of multiple passwords being cracked
  • Change your password regularly
  • Make your password long and include upper and lowercase special symbols and numbers.
  • Don’t use personal information such as birthdays

What is M1 Plus?

M1 Plus is M1 Finance’s paid additional service offering exclusive perks and benefits. All of the perks offered with M1 plus are beneficial to any investor whether just starting or a long-time investor. Some of these benefits include an additional afternoon trading window, ATM and international fee reimbursement, cashback on qualifying purchases, and interest on all investments.

For further information on M1 Finance visit

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