To get started using your new M1 Invest Account, you'll need to fund your account. This article will show you how to fund your account by making a deposit.
Keep in mind:
You can also fund an Invest Account by transferring an account from another institution or by rolling over an old 401(k) from a previous employer.
The Auto-Invest feature is turned on for all new Invest accounts by default, so if you want your first deposit to be held as cash in your cash balance, you will need to turn Auto-Invest off before initiating your transfer.
Initial deposit minimums
M1 Individual Brokerage, Joint Brokerage, Custodial, and Crypto Accounts: Minimum of $100.
M1 Traditional IRA, Roth IRA, SEP IRA: Minimum of $500.
M1 Trust Accounts: Minimum of $5,000
After your initial deposit any amount greater than $10 can be deposited.
Make a deposit
Once your bank is connected, you can make your first deposit using the instructions below:
Navigate to the "Home" tab
Select "Move Money"
Select "One-time cash transfer"
Under "From" select the bank account you want to pull funds from
Under "To" select the M1 account you want to deposit the funds into
Under "Amount" input the dollar amount you want to deposit
Review your transfer details
Confirm the transfer if everything looks correct
Alternatively, create a deposit by selecting the “Deposit” button in the Portfolio tab of the account you wish to make a transfer.
Set up recurring deposits
After making your first deposit, you can set up recurring deposits to invest on a schedule. It’s an easy way to automate your account and save you time.
Learn more about how M1 trades
Learn more about how your deposits will flow into your investment portfolio.
If you have Auto-Invest turned on, your deposit in your cash balance will be automatically invested into your portfolio during the next trading window.
If Auto-Invest is turned off, you can create a manual buy order with your deposit.
To see pending activity, navigate to the Activity tab. You’ll be able to see details about your deposit, pending buys, pending sells, dividends received, and more.
Brokerage accounts on the M1 platform are either fully disclosed to APEX Clearing or cleared through M1 Finance LLC. Please look at your account statement to determine how your account is cleared.
All investing involves risk, including the risk of losing the money you invest. Past performance does not guarantee future performance. Using margin can add to these risks. Users utilizing APEX cleared margin accounts should review the APEX margin account risk disclosure before borrowing. Users utilizing M1 cleared margin accounts should review the M1 margin account risk disclosure before borrowing. M1 Margin Loans are available on margin accounts with at least $2,000 invested per account. Not available for Retirement or Custodial accounts. Margin rates may vary.
Brokerage products and services are offered by M1 Finance LLC, Member FINRA / SIPC, and a wholly owned subsidiary of M1 Holdings, Inc.
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