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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

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Benefits and Features

Stock Trading
$0
Check
Annual Fee
None
STASH Beginner ($1/mo)
STASH Growth ($3/mo)
STASH+ ($9/mo)
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 Advisor
Check
 
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 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, 25.4k ratings)
Yes
Android App
Yes (4.2 stars, 12.5k 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 
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
Pros & ConsPros:
  • 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 LineNo-fee robo-advisor that allows you to choose your own investments... Read full reviewGood investment app to guide beginners to invest with as little as $1... 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: 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.


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.

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
CreditDonkey is a personal finance comparison website. We publish data-driven analysis to help you save money & make savvy decisions.

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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