r/M1Finance

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?

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!

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

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.

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?

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.

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!

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?