M1 Finance vs Stash

M1 Finance is a commission-free investing app that allows you to choose your own investments. How does it compare to Stash? Read our comparison chart below.

M1 Finance offers automated investing with no commissions or trading fees. 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	A $3 monthly platform fee will apply to clients with less than $10,000 in M1 assets or without an active M1 Personal Loan.	STASH Growth ($3/mo) STASH+ ($9/mo)
Cryptocurrency Trading	Yes
Minimum Deposit	$100 ($500 for IRAs, $5,000 for Trust Account)	$1
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		Yes
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	$50 (for accounts with $50 or less and no trading or deposit activity for 90+ days)
Maintenance Fee	$3 monthly platform fee for accounts with less than $10,000 in M1 assets, or without an active M1 Personal Loan
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 get a cash account with a debit card. No minimum balance, no overdraft fees, and free ATM access at 55,000+ ATMS.
Mobile App		iOS & Android
Two-Factor Authentication	Yes
Locations	No
Online Community	No
Seminars	No
Trading Platform	Web Trading, Mobile Apps	Web Trading, Mobile Apps
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
Mobile App
Customer Service
Ease of Use
Research
Pros & Cons	Pros: Choose your own investments Can invest in individual stocks Morning and afternoon trade windows Cons: No research No human advisors Platform fee	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	Commission-free investing app 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 M1 Finance Fees Invest Automatically with M1 Finance	Sign Up and Get $5
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 12/26/2023. Stash: Pricing information from published website as of 08/14/2019

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 Robinhood.

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

Articles on M1 Finance

M1 Finance Review

Is M1 Finance legitimate and safe? Find out the pros, cons, fees, and more. An essential read for beginners interested in M1 Finance.

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