What is M One Investment?

M One Investment, often referred to simply as M1 or M1 Finance, is a brokerage and investment platform that combines automated investing with a customizable portfolio management approach. Here's a breakdown of what M1 is and how it works:

1. Platform Overview:

   • M1 Finance is akin to investment platforms like Vanguard, Schwab, or Fidelity. However, it is uniquely structured to facilitate investment down to a very granular level 1.

2. Pie Methodology:

   • One of M1 Finance’s core features is the "pie" approach. This involves creating a pie chart representing an investor's entire portfolio, which can be sliced into various allocations for different stocks, funds, or other pies 2.
   • Investors define their asset allocation as percentages within these pies. When new money is added to the account, it automatically gets distributed according to these preset percentages 3.
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       M One Insights

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       Simplifying Investing

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       Automating Investments

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       Fractional Shares Explained

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       Emergency Fund Strategies

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3. Automation and Customization:

   • M1 Finance automates the investment process by maintaining the predetermined asset allocation, thus minimizing the need for manual trades 3.
   • This platform allows investors to invest in fractional shares, enabling them to diversify investments without needing significant capital 4.

4. Unique Features:

   • Fractional Shares: Facilitates investing small amounts across different stocks or funds to maintain the desired portfolio balance 4.
   • Automated Rebalancing: The platform adjusts investments according to the set allocations, ensuring that the portfolio remains balanced 2.
   • Customization and Input: Investors can choose how much of their portfolio to allocate to individual stocks, bonds, ETFs, or other investment vehicles 3.

5. Liquidity and Emergency Fund Use:

   • M1 Finance can also be used creatively for liquidity through features like margin loans, though this carries certain risks 5.

In summary, M1 Finance stands out for its automated, customizable investment platform that simplifies portfolio management while offering detailed control over asset allocation and investment decisions.