M1 Retirement IRA: Personalized, Automated Investing for Your Future
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M1 Retirement IRA: Personalized, Automated Investing for Your Future
M1 Retirement IRAs offers a smart blend of do-it-yourself control and robo-advisor automation to help you invest for retirement—your way.
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M1 Retirement IRA: Personalize...
What Is M1 Retirement?
M1 Retirement is the IRA offering from M1 Finance, a platform that lets you invest in Traditional, Roth, and SEP IRAs using their signature “Pie” investing model.
You can choose from 80+ expert-built portfolios or customize your own with individual stocks and ETFs. M1 automates deposits, investing, and rebalancing so your retirement portfolio stays on track.
M1 IRA Overview
| Offer | Best For | Minimum Balance | Mgmt Fees | Get Started |
|---|---|---|---|---|
| IRAs (Traditional, Roth, SEP) | Self-directed investors who want automation | $500 | $0 (fees may apply) | Visit Website |
How M1 Retirement Works
With customizable portfolios, automatic contributions, and fractional shares, it’s ideal for long-term investors who want flexibility without the fees.
- Create your account and select the IRA type that aligns with your goals (Traditional, Roth, SEP).
- Build a custom Pie from 6,000+ stocks and ETFs or choose a pre-made expert portfolio.
- Set up recurring contributions. M1 automatically invests and rebalances for you.
Key Features & Benefits
| Feature | Benefit |
|---|---|
| Pie-Based Investing | Visual portfolio tool lets you easily customize your investment strategy |
| Automated Contributions | Set it and forget it—M1 invests every deposit based on your Pie |
| Fractional Shares | Every dollar is fully invested for maximum growth potential |
| Dynamic Rebalancing | Automatically maintains your target asset allocation |
| IRA Transfers & Rollovers | Easily move retirement funds from other brokerages or former employers |
Who Is It For?
- Investors who want to automate their retirement savings but maintain control over what they invest in
- Self-employed individuals looking for a flexible SEP IRA solution
- Those rolling over an old 401(k) who want a low-cost and customizable IRA
- DIY investors who prefer to avoid high advisory fees
Pricing & Fees
- IRA Fee: $3/month
- Waived: If you have $10,000+ invested or an active M1 Loan/Plus membership
- No trading or management fees
Trust & Security
- Offered by M1 Finance LLC, member FINRA and SIPC.
- SIPC insurance protects securities up to $500,000
- Bank-grade encryption and two-factor authentication
FAQs about M1 Retirement IRA
Can I roll over a 401(k) to M1 Retirement?
Yes. M1 makes it easy to roll over old employer-sponsored plans into a Traditional or Roth IRA.
Does M1 offer human advisors?
No. M1 is a self-directed platform with robo-like automation features, but no advisor support.
Is there a minimum investment?
Yes, a $500 minimum is required to open an IRA account.
| Account Types | Retirement |
|---|---|
| Advisory Style | Fully Automated |
| Features & Access | Savings Automation, Savings Goals |
| Fees & Pricing | % of Assets, Flat Monthly Fee |
| Investment Options | ETFs |
| Minimum Deposit | $500–$999 |
| Perks & Value Adds | Dividend Reinvestment |
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