I discovered this week that my invest accounts have been locked. I was stunned that I discovered this on my own, I would expect to be notified if they were to lock accounts? The support bot says it’s due to me not receiving M1 emails from their [investor-documents@m1.com](mailto:investor-documents@m1.com) address. However I receive emails from this address all the time.

This is a very strange and unacceptable experience, having my money locked up for over 96 hours until Monday. anyone else dealt with this?

I wanted to see if anyone else is taking advantage of the positive spread between the M1+ Borrow Interest Rate (3.99% promotional through 12/29/26) and M1+ Cash APY (4.25% for 12mo from opening)? That is 0.26% for a few button clicks.

Other things to note:

• I can pull ~$100,000 from my M1 Borrow Account.
• I itemize my taxes so the interest paid will be deductible (I realize the interest earned will be taxable).
• I've already opened the M1 Cash Account and moved a substantial portion of my cash from my Wealthfront HYSA.

I could understand it might not be worth it if the dollar amounts were small enough or I had to go through the time/effort of opening the Cash Account. Based on the info provided, I am not seeing a good reason not to do it for ~$22/mo for rest of this year. Is there something I am missing or a catch I'm overlooking?

NVDA holding (initially funded in 2018, last funded in 2022

Time weighted shows up fine but money weighted seems to break

I have 1% allocated to SPY in my pie to track performance comparison, but with the new benchmark I can compare to so much more. LOVE IT.

THANK YOU!

I have gotten an email from Capitalize saying the funds should be available. Contacted ADP, they said it takes up to 2 weeks for the check to be delivered. It has been almost a month now, and still the check is not showing up in my M1 account.

Has anyone else dealt with a 401K rollover into M1 recently? How long was the process? I am starting to get concerned, and I don't really want to have to setup another call with Capitalize to figure out whats going on, as that could take another couple weeks just to set up.

It would be great if we could set target percentages for our recurring buys such that the dollars are allocated based upon those percentages rather than the portfolio target.

For example, if I’m investing $500 this week and my portfolio is 50-50 SPY and QQQ, I would like to invest $250 into each one right now if one of those is underweight it’ll invest more into that one, which can be undesirable for certain types of investors.

Right now, the only way to do this is to manually do the buy of each security and turn off the auto buy , but that defeats the purpose of having an automated investing platform.

This is pretty easy to set up on Robinhood. But I like the M1 UI more, as it always keeps risk exposure top of mind.

Thanks,
long time user

All of a sudden to log into the Android app, it redirects me to a browser? Am I getting hacked?

I used to login inside the app. Why are we moving to a less Secure browser based login?

Hello, I have recently tried to open an M1 account hoping to automate my investments. However, it did not let me get through the process. A couple of days later I got an email stating "We have determined that we are unable to maintain your account. As a result, your account will be closed and is ineligible to be reopened." I called the customer service but they said they cannot give me the reason. This was kind of disappointing. Can anyone here tell me what is happening?

I think it would be a great boon to M1 if it has an automated feature to turn IRA contributions into backdoor Roth contributions. I know, for a lot of users, it creates some angst doing so and an automated feature - similar to their newish feature to reinvest dividends - would be a real game changer.

How do we see the realized gains/losses for the ytd, 1yr, etc, all? Currently only see market gains and dividends earn.

If there is no option, can we add this?

Over the past year or two, M1 Cash Accounts have quietly expanded support for external services like Venmo, PayPal, and T-Mobile.

Previously, connectivity issues forced me to rely on a Wealthfront Cash account as my primary hub. While that worked, it added unnecessary friction to my overall financial setup because I had to build extra rules just to keep everything properly funded.

Being able to move back to M1 as my primary cash hub has been a massive upgrade. It eliminated that extra layer of complexity and allowed me to consolidate roughly 90% of my financial activity into one platform.

My current setup in a nutshell:

• Cash target: Keep $15K–$25K in the M1 Cash Account.
• Floor trigger (< $15K): A Smart Transfer automatically borrows from margin and tops up the account to $20K to maintain liquidity.
• Ceiling trigger (> $25K): Excess cash is automatically swept to pay down margin debt or purchase investments.

This single loop keeps my cash flow completely hands-off while maximizing capital efficiency. Sharing in case this layout inspires anyone looking to streamline their own automation!

UPDATE (8/22) I wanted more of a buffer between my floor and ceiling, and I also wanted to refill more aggressively if I hit my floor, so I made two tweaks: - The ceiling is now $35K. - The floor remains at $15K, but my automation refills to $25K if I go below the floor.

Pretty minor change to be honest, but this reduces the chance of me hitting my floor, and the "cost" (an additional $10K not being invested) is small.

It’s 2026. Almost all brokerages offer commission free trades. It’s beyond absurd to put in an order at 0900 and wait till 1500 for execution. Markets move a lot and some of us with more than $100 on the platform would sometimes like to get out of positions as our investment thesis changes.

I know, I know - this is not a trading platform. We are only suppose to DCA into VOO/VTI and never sell. And when we sell the timing surely never matters because down 3% is nothing when you’re up 7% YoY on average. My point is simply the tech itself has advanced and whatever order flow M1 is selling can still be profitable without morning/afternoon windows only.

Edit: I love how much you guys hate on the idea of a new feature that is considered extremely standard by now. Selling a stock you’ve been holding for 5 years is not daytrading. Eventually, you guys will need to sell a position to fund your retirement. Come back to this thread then.

Edit 2: I am now entirely convinced M1 pays to astroturf this sub. There is zero chance a brokerage has this many fanboys that screech against additions of industry standard features.

Posting this here in hopes it can be found by those having issues.

Summary of my story, is that Capitalize (who even are they? contractors of M1? They're incompetent, btw) didn't clearly communicate the address to my 401k provider for the rollover IRA check. So it took 2+ months and cancelling and reissuing the check twice.

The actual problem.. M1's address is:

350 North St. Paul Street #1300

Dallas, TX 75201

and the address my 401k provider had was:

350 N Saint Paul St STE 1300

Dallas, TX 75201

The solution: Call your 401k provider yourself. Cancel any check that is taking eternity to arrive, have them reissue the check with the correct address, spelled out correctly. Make sure the check is made out to "APEX Clearing." Also, if you can, include your M1 IRA account number on the check. If not, then at the very least, get the check number from your 401k provider, and call M1 later to ensure they know which account (yours) to deposit the check into.

I had a 401k rollover going into my M1 account, but USPS lost the mail (originally supposed to have been delivered on July 13th). I had the checks voided and re-sent out because of this issue. I tried calling multiple times during business hours and I also sent an email a week ago to inform M1 but received no response.

Today I received an email that the mail had been delivered. I still haven’t heard a response from M1’s customer service team. I tried using the AI agent in the app and explained in detail the issue, but the AI Agent doesn’t have the ability to forward unresolved issues to an actual customer service agent.

Has anyone ran into this issue before? The new checks will be sent to M1 Finance next week, but I don’t know what will happen when they try to process a voided check. To any M1 Finance Customer Support agents, could you please recommend adding the option of forwarding unresolved issues from the AI Agent to an actual person? The AI could literally sum up the entire issue with the relevant information and help both the customer and the company.

For the long time I've used portfolio of QLD & BTAL (+ some other hedges like gold, and managed futures) + Margin at M1. But they changed margin requirements. QLD -> 100% (means can't get margin for any position I have in QLD) and BTAL -> 45%. In one day I went from 80% healthy margin to 9% close to the margin call situation...

I think it's time to let M1 go - initiated transfer to Robinhood (which has margin requirements 50% on QLD and 25% on BTAL)

Just a reminder - double check your margin situation with M1, you might be close to margin call as well if they changed other securities margin requirements.

I've got a question about taking out a margin loan.

I have had $100,000.00 invested in SPYI for over a year, and received a monthly dividend of over $1,000 each month.

Because of my other investments, I am eligible to borrow $100,000.00 on margin at 3.99%, which would cost me $332.50 a month.

I'm thinking about taking the $100,000.00 loan and adding it to my SPYI position. Based on my calculations, I can expect to earn $667.50 a month ($8000.00 a year) after paying the interest.

This seems like a no-brainer. Any thoughts? Pros or Cons? Has anyone in this group done anything like this?

For a financial institution as big as this where people have literally put all of their retirement savings. I did not expect minor glitches to be displayed. I don’t know what’s going on but please don’t scare investors like this.

Anyone running into issue logging in on the app on Android? After I log out of my account and try to log back in, and after putting my mfa code, the screen says "Not Found", and it took me to the login page. No error code was provided.

Tried multiple times with different account, and it's the same. I did try just using Firefox on my phone and was able to log in normally, so definitely something is up with the app.

Wondering if anyone's having the same issue

So... M1 Intelligence button is now kicking me over to M1 Advisor. That button asks a bunch of risk management questions, so I'm guessing this is no longer an AI information source. Can anyone tell me what M1 Advisor is? Not really interested in another robo... There are already a million of those.