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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

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Commission Free Stock Trading - Learn More

Read M1 Finance Review

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Read Stash Review

 

Benefits and Features

Stock Trading
$0
$0
Options Trading
No
No
Annual FeeA $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 ETFsAll U.S. listed ETFs 
Phone SupportMonday - Friday 9:30 am to 4 pm ESTYes - 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 HarvestingNo, but offers tax minimization features
No
Goal Tracker
No
Yes
Automatic Deposits
Yes
Yes
Broker Assisted Trades
Included
 
Good ForDIY 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
Check
iOS & Android
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 FeeStarStarStarStarStarStarStarStarHalf StarEmpty Star
Minimum DepositStarStarStarStarStarStarStarStarStarStar
Mobile AppStarStarStarStarHalf Star
Customer ServiceStarStarStarHalf StarEmpty StarStarStarStarEmpty StarEmpty Star
Ease of UseStarStarStarStarHalf Star
ResearchStarEmpty StarEmpty StarEmpty StarEmpty Star
Pros & ConsPros:
  • 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 LineCommission-free investing app that allows you to choose your own investments... Read full reviewGood investment app to guide beginners to invest in stocks... Read full review

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.

Best M1 Finance Pie

M1 Finance is a commission-free investment app offering ready-made portfolios that are made up of "pies." What's the best M1 Finance Pie? Find out.

M1 Finance Alternatives

M1 Finance is a popular app for commission-free investing. But is there a better option for you? Find out in this detailed guide to M1 Finance alternatives.

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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