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M1 Finance is a hybrid between a traditional stock brokerage and robo-advisor. It’s sort of like a mix of Vanguard and Betterment.

M1 allows you to pick your own investments, but it will manage them and reinvest your money automatically via auto-reinvesting and dynamic re-balancing of your pie (portfolio).

M1 Finance is for people who want to do their own research in what investments they want to choose, but not necessarily want to deal with portfolio re-balancing, knowing when to buy the dips, etc.

Instead of buying individual stocks, you can allocate a target weight to the investments inside your portfolio using a “pie” and M1 will automatically keep that balanced using “dynamic re-balancing” to make sure your allocations are maintained at the levels you set them at.

The best part is that It is 100% fee-free. That’s right, 100% free to use with no additional fees.

Long term this can save you a lot of money and that’s why I chose it for my own SEP IRA!

This isn’t M1’s prime offering, but they also offer an FDIC insured digital bank account offering 1.5% APY and 1% cash back, along with the ability to borrower from your own portfolio at very low rates (3.5 & 3.25% at the time of this recording).

M1 Pies Explained:

M1 Finance’s entire interface is based within pies. Pies are simply your entire portfolio, or pieces of your portfolio, with investments contained within those pies.

For example you can use one of their pre-built pies such as the “Income Pie” that contains dividend stocks or income paying corporate/municipal bonds or you can create your own pie

Example of custom pie: 25% MSFT, 25% TSLA, 25% AMZN, 25% AAPL.
(Note: I would never recommend having just 4 individual stocks in your pie)

Pros:
No Fees
Fractional Shares
Expert Pies (Easy Diversification)
Dynamic Re-balancing & Automated Investing
No minimum deposit

Cons:
No Mutual Funds
Un-intuitive Desktop Layout
No Tax-Loss Harvesting
Manual Re-balancing Triggers a Taxable Event

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My mission is to provide my viewers with actionable content that enables them to create financial wealth. My videos are a reflection of my real-world experience as a real estate investor, stock market investor, student of finance, and entrepreneur.

This channel allows me to share my passion for personal finance, stock market investing, real estate investing, and entrepreneurship. I produce content that I would want to watch, and because of that, I give 100% effort in every video that I make. I also believe in complete transparency and open communication with my audience.

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DISCLAIMER: I am not a financial adviser. These videos are for educational purposes only. Investing of any kind involves risk. While it is possible to minimize risk, your investments are solely your responsibility. It is imperative that you conduct your own research. I am merely sharing my opinion with no guarantee of gains or losses on investments.

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Stock market investing can often seem overwhelming and complicated for those who are new to the game. With an array of options available, from traditional brokerage firms to online platforms, it can be difficult to know where to start.

However, M1 Finance is changing the game with its intuitive platform that makes stock market investing easy and accessible for everyone. In this M1 Finance review for 2021, we will explore the key features and benefits of this innovative platform.

One of the standout features of M1 Finance is its unique approach to investing. Unlike traditional brokerage firms, M1 Finance allows investors to create a customizable portfolio of stocks and ETFs, known as “pies.” Investors can choose from hundreds of pre-built pies or create their own based on their investment goals and risk tolerance.

Furthermore, M1 Finance offers fractional investing, which means that investors can buy partial shares of stocks and ETFs. This feature enables investors to diversify their portfolio even with a limited amount of funds, making investing more accessible to a wider range of individuals.

Another key benefit of M1 Finance is its automation features. Investors can set up automatic deposits and rebalancing, allowing for a hands-off approach to investing. This is particularly useful for busy individuals who may not have the time or expertise to actively manage their investments.

In addition, M1 Finance offers a range of educational resources for investors of all levels. From blog posts to webinars, investors can learn about investing strategies, market trends, and financial planning to help them make informed decisions about their investments.

Overall, M1 Finance is a user-friendly platform that makes stock market investing simple and transparent. With its customizable portfolios, fractional investing, automation features, and educational resources, M1 Finance is a great option for investors looking to dip their toes into the world of stock market investing.

In conclusion, M1 Finance is a solid choice for both beginner and experienced investors alike. Its innovative features and user-friendly interface make stock market investing more accessible and manageable for everyone. If you’re looking to start building your investment portfolio, M1 Finance may be the platform for you.