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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 FinanceStash
 Visit SiteVisit Site
 

M1 Finance

Stash

SPECIAL OFFER
M1 Investment Account - Up to $500 Bonus - Learn More

Read M1 Finance Review

SPECIAL OFFER
Sign Up and Get $5 - Learn More

Read Stash Review

 

Benefits and Features

Stock Trading
$0
$0
Options Trading
No
No
Annual Fee
None
  • STASH Growth ($3/mo)
  • STASH+ ($9/mo)
Cryptocurrency Trading
No
 
Minimum Deposit
$100
$0
Mutual Fund Trading
No
 
Commission Free ETFsAll U.S. listed ETFs 
Phone SupportMonday - Friday 9:30 am to 4 pm ESTYes - normal business hours, plus Sat & Sun 11a-5p ET
Live Chat Support
No
No
Email Support
Yes
Yes
Human Advisors
No
No
Robo AdvisorHybrid; You choose your own investments and M1 trades & manages your portfolio for you 
Assets Under Management
$4.5 Billion
$3 Billion
Tax Loss HarvestingNo, but offers tax minimization features
No
Goal Tracker
No
Yes
Automatic Deposits
Yes
Yes
Broker Assisted Trades
Included
 
Good ForDIY 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, 33.3k ratings)
Yes
Android App
Yes (4.5 stars, 15.7k ratings)
Yes
BankingAll 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
Check
Yes
Two-Factor Authentication
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

 M1 FinanceStash
Annual FeeStarStarStarStarStarStarStarStarHalf StarEmpty Star
Minimum DepositStarStarStarStarStarStarStarStarStarStar
Customer ServiceStarStarStarHalf StarEmpty StarStarStarStarEmpty StarEmpty Star
Mobile AppStarStarStarStarHalf Star
Ease of UseStarStarStarStarHalf Star
ResearchStarEmpty StarEmpty StarEmpty StarEmpty Star
Pros & ConsPros:
  • Choose your own investments
  • Can invest in individual stocks
  • No account fees
Cons:
  • No research
  • No human advisors
  • Can only trade once a day
Pros:
  • Guidance for beginners
  • Automatically save and invest through round-ups and recurring transfers
Cons:
  • Fees are high for small balances
  • High ETF expense ratio
  • Limited research
Bottom LineNo-fee robo-advisor that allows you to choose your own investments... Read full reviewGood investment app to guide beginners to invest in stocks... Read full review
 Visit SiteVisit Site

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: Paid non-client endorsement. See Apple App Store and Google Play reviews. View important disclosures. 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.

M1 Finance

M1 Investment Account - Up to $500 Bonus

Open a new M1 investment account. Deposit $10,000 or more into the account within 14 calendar days of account opening. Promotional credit will depend on the deposited value made into the account.

Deposited ValuePromotional Credit
$10,000 - $29,999.99$75
$30,000 - $49,999.99$150
$50,000 - $99,999.99$250
$100,000+$500

This offer is only for customers who have never registered for an M1 user account.

Expires 12/31/2023
M1 Finance

Commission Free Stock Trading

M1 Finance allows investors the choice of ETFs and stocks. M1 charges no management fees or commission.

M1 Finance

Transfer and Earn Up to $15,000

Complete an Automated Customer Account Transfer Service (ACATS) of at least $100,000 in aggregate and earn up to $15,000. Promotional credit will depend on the amount transferred to the account.

Transfer Account ValuePromotional Credit
$100,000 - $249,999.99$250
$250,000 - $499,999.99$1,000
$500,000 - $999,999.99$2,000
$1,000,000 - $1,999,999.99$4,000
$2,000,000 - $4,999,999$10,000
$5,000,000+$15,000

This offer is valid for new and existing M1 customers.

Expires 6/17/2023
Stash

Sign Up and Get $5

  • Sign up, add at least $5 to your account and get a $5 bonus.
  • Invest with fractional shares
  • Get portfolio recommendations

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 eToro.

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


Articles on M1 Finance

M1 Finance Review

M1 Finance lets you invest in stocks and ETFs without fees. But is it safe? Find out the pros and cons, and if it's legit.

Best M1 Finance Pie

M1 Finance is a fee-free investment app offering pre-selected portfolios called "pies." What's the best M1 Finance Pie? Find out.

M1 Finance Alternatives

M1 Finance is a popular app for fee-free investing. But is there a better option for you? Find out in this detailed guide to M1 Finance alternatives.

Articles on Stash

Stash Invest

Can Stash help make you money? Find out if the investing app is legit and how it compares to apps like Acorns and Robinhood.

Which Do You Think is Best?





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About CreditDonkey
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Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

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