What is Auto-invest?
With Auto-invest, M1 intelligently allocates money from every deposit to ensure your portfolio stays on track.
That means you can invest cash into your Pie and maintain your investment targets without any manual calculations.
All accounts have Auto-Invest turned on by default and a minimum cash balance of $0 with a $25 minimum threshold required to trade. This means that any time your cash balance meets or exceeds $25, M1 will automatically invest that entire cash balance into your portfolio.
View or change your Auto-invest settings:
Web:
Navigate to the Portfolio tab
Scroll down to the “Automation” section. This is located below your Pie.
Toggle Auto-invest on or off
Mobile:
Navigate to the Portfolio tab
Swipe up from the bottom of the screen
Toggle Auto-invest on or off
What is buying power?
Your M1 Invest buying power is the amount available for trading.
The amount shown on the Invest tab represents current cash plus any pending deposits and minus any pending withdrawal from the account.
A pending sell order will increase buying power for new buy orders and a pending buy order will decrease buying power. Your cash balance will update once the trades execute.
Note: Your buying power will increase based on the current market value of the pie/slice the sell order was placed on. A sell order may be placed for an amount greater than the current market value but buying power will only change depending on the estimated proceeds from the sell.
Auto-invest and minimum cash balance
Most M1 clients manage their portfolio with Auto-invest turned on.
With Auto-invest on, any time your cash balance meets or exceeds $25, M1 will automatically invest your cash balance into your portfolio.
To select this option, turn Auto-invest on and set your minimum cash balance to $0.
Auto-invest my cash over a specific amount
You can set a minimum cash balance that will remain uninvested in your account.
Trading will be initiated once your cash balance is at least $25 over that set amount.
To select this option, turn auto-invest on and set your minimum cash balance to the amount you’d like to remain in cash.
Example 1:
Minimum Cash Balance: $0
Trading will be initiated whenever your cash balance reaches or exceeds $25.
All cash will be invested and $0 will remain in your cash balance.
Example 2:
Minimum Cash Balance: $1,000
Trading will be initiated whenever your cash balance reaches or exceeds $1,025.
All cash exceeding $1,000 will be invested, and $1,000 will remain in your cash balance.
Increase your minimum cash balance
To increase the minimum cash balance amount that you want to keep uninvested in your account:
Web
Navigate to the Invest tab
Turn "Auto-invest" on
Set your minimum cash balance to the amount you’d like to remain in cash
Mobile
Navigate to the Invest tab
Swipe up on the bottom bar
Tap the “Auto-invest” bar and toggle Auto-invest on
Select "Set auto-invest minimum"
Set your minimum cash balance to the amount you’d like to remain in cash
Don't auto-invest my cash
With auto-invest turned off, M1 will never automatically invest cash.
Deposits from your bank and paid dividends will accrue as cash in your account.
To select this option, turn auto-invest off.
With auto-investing off, you can use the cash in your account to make buy orders for specific Pie slices or individual stocks.
All examples above are for informational purposes and should not be considered an offer to buy or sell certain stocks. M1 does not provide investment advice.
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.
20240220-3402404-10801089