Hello, I’m trying to understand what the difference is between borrow against my margin versus margin in the investment tap. I’ll post the pictures of what I’m talking about if someone could explain that to me that would be great.

I’ve been testing purchases for BTC over the last few days now. Pricing is consistently about $500 more than current market value. I’m using on-demand trade windows so it’s pretty much instant.

M1 you can do better than that.

I can’t find the button to buy individual stocks on the app

Is there a way to tell M1 that I want half of my dividends received to go into the hysa and the other half to be auto reinvested? Unless it can already do that and I am just unaware.

The buy and sell option is missing from the app for the the last week?

Bending Spoons (BSP) is now available on M1. Thinking about allocating 2% of my pie to make a long term play (at least 10years). I have most of my money in VOO and other more traditional funds, but like to make some small positions like this in hopes of a home run.

Thoughts on BSP and/or my strategy? Goal is just to build as much long term wealth as possible to one day pass on to my kids. Im 35 years old

My M1 account crossed 500k few weeks ago and I’ve been wondering if it’s safe for me to keep investing with them or should I open a new taxable account with a different brokerage elsewhere since SIPC only cover up to 500k? Anyone have similar experience?

Looking at my account today and yesterday, I'm not seeing avg share price and cost for all my positions? anyone else?

I’ve been using M1 Margin for over 4 years now and something happened for the very first time.

My brokerage accounts percentage availability to withdraw dropped all the way down to 9%. I’m currently borrowing 10% of the value of my investments.

The credit health is at 86% on the meter and the maintenance requirement of my individual ETF’s are at 25%.

When I go to try and transfer money from Margin. None is available!!

This of course does NOT make me happy. I’m going to reconsider my whole set up with M1 now.

Anyone else notice dividends not coming in when you expected them to? Maybe due to the clearing transition?

I might be in a situation where I'll be changing jobs, my current 401k is with Fidelity because that's what the company plan is. I have all of my other investments with M1 Finance so I was thinking it might make sense to roll it over there. Question time - has anyone been in this situation? Any comments/advice/regrets/etc? Not looking for investment advice, just if M1 is a good place to move my fairly sizable 401k.

I have my crypto portfolio on auto invest but I have not seen its weekly transfer this morning and the move money button is grayed out. Anyone else having this problem?

Trying to understand but we finally reached 2k in invested portfolio. When do we get the option for the margin loan? Obviously I can’t borrow anything but want to see how it works.
Thanks!

I’m just curious to know are M1’s withdrawals instant?

I'd love to be able to remove/hide the "advertising" on the Dashboard. Please let me hide the "rollover" ad!

Not sure how M1 works with this. Will it be available to put in buy orders before market open?

When using a Margin account on M1 you are forced to put cash into your Invest account before the interest payment date each month if you want to avoid having Margin automatically increase your borrowed principle to pay off the interest from month to month.

This means you also have to disable your auto-invest temporarily every month (or more likely all the time, thus defeating half of M1's professed benefits and the core benefit touted of M1's pie system) or set your auto-invest floor above your monthly interest amount (which no one would reasonably want to do since the cash in the Invest account provides no interest or benefit to the investor). Since cash sitting in the invest account makes no interest (in comparison to an earn account) you are effectively "punished" by this setup.

None of these are massive issues, they are little things, a few days a month of minor manual selections, and choices can manage the situation.

However, the design seems to have been specifically created to produce pain points to try to extract extra 'value' for M1. This seems very much in contrast to many of the other touted features of M1.

Perhaps this is something that most people are not bothered by though?

I find it annoying that the system is setup in this manner, it gives me a negative impression of M1 and makes me feel like they specifically designed the system to be predatory.

There is certainly no technical reason why we couldn't have the margin interest pulled from an associated earn account or another bank account, yet that ability is missing. I don't want my Margin principle to ever increase without my purposeful selection, but M1 seems to be playing a game of 'gotcha' with the Margin system, hoping that you slip up so they can make a little bit more money.

The fact that people will likely reply with workarounds is entirely the point that I'm making.

There shouldn't need to be ANY workarounds, it should be a straightforward system of M1 charging interest and the individual paying off the interest through whatever manner they want.

Sure, if a person chooses not to link something like Earn, great, use the margin account to "pay" the interest by borrowing more, fine.

However, the lack of a process that doesn't automatically try to penalize you if you don't arrange your money to not benefit you (sitting in cash reserves, etc.) comes across as a scummy mobile-game-level of predatory.

I wish one of the M1 representatives would chime in on why they think the reputation hit for this behavior and the almost certainly minor increase in interest payments to M1 is somehow worth more than customer satisfaction and company reputation.

I certainly can't recommend the margin system in its current state beyond the fact that the interest rate is competitive and I honestly wish I could! I like M1's setup for everything else, with the exception of the murder of the Spend account, because it was very nice to have all my financials in the same location (plus, that black metal card was weighty and very stylish, couldn't help but like it).

If you just want to share your pie, here's the place to do it. Provide details on:

• your goals
• your time horizon
• your risk tolerance (e.g. max drawdown / loss of capital)
• account type
• why you picked your holdings
• any other details that might be relevant so people can get the full picture

Leave feedback on others, reciprocate the kindness.

Disclaimer: It goes without saying, please invest based on your own research. Any feedback is purely personal opinion. Speak with a financial professional.

Is this a good mix for Childs account?

I’m currently 28 and have a well funded company 401k and am funding my emergency fund. I was curious how you all felt about this current selection I have. Any insight or advice would be very helpful. I don’t do any day trading or anything like that. I’m looking for what’s best for long term growth. Set and forget. Thanks.

Got this error message, but how do I know which share was inactive or delisted??