Get Ready for Retirement

Acorns helps you save and invest small amounts regularly into your own diversified portfolio. Start with just your spare change and join over 1 million who have taken steps to improve their future.

Digit checks your spending habits and saves a few dollars from your checking account if you can afford it.

M1: Where sophisticated wealth-building meets simplicity.

Your all-in-one platform for earning, investing, spending, and borrowing.

Join hundreds of thousands of investors who trust us with over $9B in assets.

EARN

Earn 5.00% APY1 on money in your High-Yield Cash Account. Set your own rules and automate money moves with Smart Transfers.

INVEST

Automate your long-term strategy when you invest with an individual, joint, trust, or custodial account. Or open a Traditional, SEP, or Roth IRA or rollover a 401(k).

Build a custom portfolio with over 6,000 stocks and ETFs. Choose from pre-made Model Portfolios based on common strategies, so you can easily invest according to your values, risk tolerance, retirement plan, and more. Auto-invest over time for your long-term strategy.

Let our automation purchase shares for you. The algorithm will never sell unless you tell it to. Enjoy tax-smart selling when you do.

Fractional shares let you invest as little as one dollar for more power and flexibility. If you choose to transfer your account to another broker-dealer, only the full shares are guaranteed to transfer. Fractional shares may need to be liquidated and transferred as cash.

One-click rebalancing makes sure your investments match your goals.

INVEST - CRYPTO

M1 offers investing in cryptocurrencies, including BTC and ETH. You can make Crypto part of your long-term investing strategy, invest automatically in custom pies, commission-free.^

SPEND

Earn and reinvest cash back as you like with the Owner’s Rewards Card. You can automatically reinvest your rewards money to build wealth—even as you spend it.

BORROW - MARGIN

Margin lets you tap into the power of your portfolio through a line of credit set against your investment account. Qualified brokerage accounts with over $2,000 invested get built-in access to margin.

Leverage up to 50% of your portfolio at a rate of 7.25%. Tap into your funds in minutes for liquidity without selling off your securities.

No paperwork. Pay back on your schedule—there’s no minimum or maximum repayment period.

BORROW - PERSONAL LOANS

Borrow $2,500–$50,000 over 2-7 years for almost anything.

No prepayment penalties, origination fees, or late fees.

APRs can vary between 7.99% - 21.75% APR. Rates are not guaranteed and are subject to change. Not all applicants qualify for the lowest available rate.

Example: A borrower receives a loan of $15,000, for a term of 36 months, with an APR of 11.17%. In this example, the borrower will make 36 monthly payments of $429.31 for a total of $17,723.16 ($2,723.16 interest). APR is calculated based on 3-year rates offered in Jan 2024.

PLAN FOR RETIREMENT

Open a Traditional, SEP, or Roth IRA or rollover a 401(k).

Automate and think about maxing out your retirement contributions with recurring deposits and auto-invest functions.

ACCOUNT PROTECTION

M1 Finance LLC, Member of SIPC. Securities in your M1 investment accounts protected up to $500,000. For details, see www.sipc.org.

Additional DISCLOSURES

See disclosures in the final screenshot above or visit https://m1.com/legal/disclosures

M1 refers to M1 Holdings Inc., and its affiliates. M1 Holdings is a technology company offering a range of financial products and services through its wholly-owned, separate but affiliated operating subsidiaries, M1 Finance LLC and M1 Spend LLC.

Must be 18+ and US resident to open an account.

Brokerage products and services are not FDIC insured, not bank guaranteed, and may lose value. M1 Finance LLC, Member FINRA / SIPC.

All product and company names are trademarks™ or registered® trademarks of their respective holders. Use of them does not imply any affiliation with or endorsement by them.

© Copyright 2024 M1 Holdings Inc.

App distributed by: M1 Finance LLC; 200 N LaSalle St., Ste. 800; Chicago, IL 60601; United States

With Qapital, do something, go somewhere, pay off your debts, or just save money with goals you create. Then attach a rule for each goal to help you save such as putting away a specific amount every week. Attach your bank account or a funding account and watch the money you save for your goals roll in.

Moneybox is the simple way to save and invest. Round up your card purchases to the nearest pound and invest the spare change into thousands of leading companies such as Facebook and Netflix via selected tracker funds. Sign up in minutes and get started with as little as £1.

Featured by TechCrunch, The Financial Times, The Telegraph, Fortune Magazine, This is Money, Citywire, Tech City News, Investment Week, Money Marketing and Finextra.

Smart saving

• Moneybox helps you to save as you spend by enabling you to round up your everyday card purchases to the nearest pound e.g. when you buy a coffee for £1.80, you can choose to ‘round up’ to £2 and set aside the 20p to invest.
• You can also set up regular weekly deposits and make one-off deposits into your Moneybox.
• However you choose to set money aside, your savings will be collected once a week via Direct Debit and invested a few days later.

Investing made easy

• Investing can be a great way to grow your money, and can offer higher returns in the long term than current or savings accounts.
• We've worked with experts to put together three simple starting options – cautious, balanced and adventurous. All you need to do is pick one!
• The option you choose determines how your savings are split between three tracker funds – a cash fund, a global shares fund and a property shares fund. Via these funds, you can invest into thousands of leading companies from around the world including Apple, Facebook, Netflix, Nintendo and Disney.
• Your investments are held within a Stocks & Shares ISA or General Investment Account (GIA). You can open either an ISA or a GIA in minutes.

It is important to bear in mind that there is risk involved in investing. The value of your investments will rise and fall at times and you could get back less than you invested.

Fees

• Our fees are structured to make it possible for you to invest little and often.
• We charge a monthly subscription fee of £1 and an annual platform fee of 0.45% of the value of your investments per year. To help you get started, we do not charge the subscription fee for the first three months.

Peace of mind

• You can withdraw your money at any time, free of charge.
• Moneybox is authorised and regulated by the Financial Conduct Authority with reference number 712935.
• Your investments are covered by the UK government’s Financial Services Compensation Scheme in the unlikely event that a fund provider is declared bankrupt.
• We use bank level 256-bit TLS encryption for all your personal information.

Ready to get started? Install Moneybox for free today.

If you have any questions or would like to find out more, please get in touch using support@moneyboxapp.com - we’d love to hear from you!