M1 Finance vs Stash

M1 Finance is a no-fee robo-advisor that allows you to choose your own investments.. How does it compare to Stash? Read our comparison chart below.

M1 Finance offers free automated investing with no commissions or account fees. Unlike other robo-advisors, M1 lets you select your own investments and their automation will manage it for you. This is great for investors who want a say. The downside is that there are no human advisors. The minimum to start is just $100.

While Stash simplifies investing for novices. This app is not a robo-advisor and will not manage investments for you. Instead, it guides beginners to select investments aligned with their goals and risk level. There is no minimum balance to start investing.

Compare M1 Finance with Stash, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.

	M1 Finance	Stash


	SPECIAL OFFER Transfer Your Account and Earn Up to $2,500 - Learn More Read M1 Finance Review	SPECIAL OFFER Sign Up and Get $5 - Learn More Read Stash Review
	Benefits and Features
Stock Trading	$0
Annual Fee	None	STASH Beginner ($1/mo) STASH Growth ($3/mo) STASH+ ($9/mo)
Minimum Deposit	$100	$0
Mutual Fund Trading	No
Commission Free ETFs	All U.S. listed ETFs
Phone Support	Monday - Friday 9:30 am to 4 pm EST	Yes - normal business hours, plus Sat & Sun 11a-5p ET
Live Chat Support	No	No
Email Support	Yes	Yes
Human Advisors	No	No
Robo Advisor
Assets Under Management	$1 Billion	$530 Million
Tax Loss Harvesting	Offers tax-efficient investing	No
Goal Tracker	No	Yes
Automatic Deposits	Yes	Yes
Broker Assisted Trades	Included
Good For	DIY investing with passive portfolio management
Inactivity Fee	$20 (for accounts with less than $20 and no activity for 90+ days)
Maintenance Fee	$0
Online Platform	Yes	Yes
iPhone App	Yes (4.6 stars, 25.4k ratings)	Yes
Android App	Yes (4.2 stars, 12.5k ratings)	Yes
Banking	All users can open a M1 Spend account with free debit card. No monthly service fees and no balance requirements.	All users get a cash account with a debit card. No minimum balance, no overdraft fees, and free ATM access at 19,000+ ATMS.
Mobile App		Yes
Locations	No
Online Community	No
Seminars	No
Virtual Trading	No
Fractional Shares	Yes	Yes
Taxable Accounts	Yes	Yes
401k Plans	No	No
IRA Accounts	Yes	Yes
Roth IRA Accounts	Yes	Yes
SEP IRA Accounts	Yes	No
Trust Accounts	Yes	No
529 Plans	No	No
	CreditDonkey® Reviews

Annual Fee
Minimum Deposit
Customer Service
Pros & Cons	Pros: Choose your own investments Can invest in individual stocks No account fees Cons: Not beginner friendly No human advisors Can only trade once a day	Pros: $1 to invest Guidance to beginners Automatically invest extra funds Cons: Fees are high for small balances High ETF expense ratio Limited research
Bottom Line	No-fee robo-advisor that allows you to choose your own investments... Read full review	Good investment app to guide beginners to invest with as little as $1... Read full review

	Transfer Your Account and Earn Up to $2,500 Commission Free Stock Trading Get $2,500 When You Transfer an Account of $1,000,001+	Sign Up and Get $5 Early Payday
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. M1 Finance: Pricing information from published website as of 02/28/2020 Stash: Pricing information from published website as of 08/14/2019 Stash: CreditDonkey is a paid Affiliate/partner of Stash. Investment advisory services offered by Stash Investments LLC, an SEC-registered investment adviser. This material has been distributed for informational and educational purposes only, and is not intended as investment, legal, accounting, or tax advice. Investing involves risk.

Which is Better: M1 Finance or Stash?

Still need help deciding which investing is better? Read the in-depth reviews below. You may also be interested in comparing M1 Finance or Ally Invest.

In short: M1 Finance's annual fee is excellent.