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 Commission Free Stock Trading - 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 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	Hybrid; You choose your own investments and M1 trades & manages your portfolio for you
Assets Under Management	$4.5 Billion	$3 Billion
Tax Loss Harvesting	No, but offers tax minimization features	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, 33.3k ratings)	Yes
Android App	Yes (4.5 stars, 15.7k 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
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
Annual Fee
Minimum Deposit
Customer Service
Mobile App
Ease of Use
Research
Pros & Cons	Pros: 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 Line	No-fee robo-advisor that allows you to choose your own investments... Read full review	Good investment app to guide beginners to invest in stocks... Read full review
	Commission Free Stock Trading Get M1 Plus Free for First 3 Months Invest Automatically with M1 Finance	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: 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.

Commission Free Stock Trading

Start Investing

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

Get M1 Plus Free for First 3 Months

New M1 customers get M1 Plus for free on their first 3 months. M1 Plus is $125/year.

M1 Plus is a $125 annual subscription offering products and services from M1 Spend LLC and M1 Finance LLC, both wholly-owned, separate but affiliated subsidiaries of M1 Holdings Inc.

*Your free trial (a $31.25 value) begins the date you enroll in the M1 Plus subscription, and ends 90 days after ("Free Trial"). Upon expiry of the Free Trial, your account is automatically billed an annual subscription fee of $125 unless you cancel under your Membership details in the M1 Platform.

Get Deal

Invest Automatically with M1 Finance

Invest Automatically

Sign Up and Get $5

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.

• M1 Finance vs Robinhood
• M1 Finance vs Acorns
• M1 Finance vs Wealthfront

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 vs Fidelity
• M1 Finance vs Vanguard
• M1 Finance vs Betterment

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.

• M1 Finance vs Webull
• M1 Finance vs TD Ameritrade

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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