M1: Invest & Bank Smarter

4.3
26.7Kโ€ ื‘ื™ืงื•ืจื•ืช
+1Mโ€
ื”ื•ืจื“ื•ืช
ืกื™ื•ื•ื’ ืชื•ื›ืŸ
ื›ื•ืœื
ืฆื™ืœื•ื ืžืกืš
ืฆื™ืœื•ื ืžืกืš
ืฆื™ืœื•ื ืžืกืš
ืฆื™ืœื•ื ืžืกืš
ืฆื™ืœื•ื ืžืกืš
ืฆื™ืœื•ื ืžืกืš
ืฆื™ืœื•ื ืžืกืš

ืžื™ื“ืข ืขืœ ื”ืืคืœื™ืงืฆื™ื” ื”ื–ื•

M1: ื‘ื ื™ื™ืช ืขื•ืฉืจ ืžืชื•ื—ื›ืžืช, ืžืคื•ืฉื˜ืช.

ื”ื›ื™ืจื• ืืช M1: Finance Super Appยฎ, ืฉื‘ื” ืชื•ื›ืœื• ืœื”ืจื•ื•ื™ื—, ืœื”ืฉืงื™ืข ื•ืœื”ืœื•ื•ืช - ื”ื›ืœ ื‘ืžืงื•ื ืื—ื“. ื”ืฆื˜ืจืคื• ืœืžืื•ืช ืืœืคื™ ืžืฉืงื™ืขื™ื ืฉืกื•ืžื›ื™ื ืขืœื™ื ื• ืขื ื™ื•ืชืจ ืž-10 ืžื™ืœื™ืืจื“ ื“ื•ืœืจ ื‘ื ื›ืกื™ื.

ืœึดื–ื›ึผื•ึนืช
โ€ข ื‘ืฆืข ืื•ืคื˜ื™ืžื™ื–ืฆื™ื” ืฉืœ ืžื–ื•ืžื ื™ื ืขื ื—ืฉื‘ื•ืŸ ืžื–ื•ืžืŸ ืขื ืชืฉื•ืื” ื’ื‘ื•ื”ื” ืฉืžืฆื™ืข 4.00% APY1
โ€ข FDIC ืžื‘ื•ื˜ื— ืขื“ 4.75 ืžื™ืœื™ื•ืŸ ื“ื•ืœืจ2
โ€ข ืœืœื ื™ืชืจืช ืžื™ื ื™ืžื•ื

ืœึฐื”ึทืฉืึฐืงึดื™ืขึท
โ€ข ื‘ื ื™ื™ืช ืชื™ืง ื”ืฉืงืขื•ืช ืžื•ืชืื ืื™ืฉื™ืช - ื”ื ืงืจื ืขื•ื’ื” - ืž-6,000+ ืžื ื™ื•ืช ื•ืชืขื•ื“ื•ืช ืกืœ
โ€ข ื‘ื—ืจ ืžืชื•ืš ืชื™ืงื™ ื”ืฉืงืขื•ืช ืฉื ืืกืคื• ืขืœ ืกืžืš ื™ืขื“ื™ื ื•ืกื•ื‘ืœื ื•ืช ืกื™ื›ื•ื ื™ื
โ€ข ื”ืฉืงื™ืขื• ืœื˜ื•ื•ื— ืืจื•ืš ืขื ืื™ื–ื•ืŸ ืžื—ื“ืฉ ืื•ื˜ื•ืžื˜ื™ ื•ืžื ื™ื•ืช ื—ืœืงื™ื•ืช
โ€ข ื—ืฉื‘ื•ื ื•ืช ืชื™ื•ื•ืš: ืคืชื™ื—ืช ื—ืฉื‘ื•ื ื•ืช ื‘ื•ื“ื“ื™ื, ื”ืฆื˜ืจืคื•ืช, ื ืืžื ื•ืช ื•ืžืฉืžื•ืจืช
โ€ข ื—ืฉื‘ื•ื ื•ืช ืคืจื™ืฉื”: ื”ืคื•ืš ืื• ืคืชื— IRA Traditional, Roth ืื• SEP

ืžึถืชึทื—
โ€ข ืฉื™ืขื•ืจ ืžืจื•ื•ื— ืชื—ืจื•ืชื™: 6.25%3
โ€ข ืœื•ื•ื” ืขื“ 50% ืžืขืจืš ื”ืชื™ืง ืฉืœืš
โ€ข ืื™ืŸ ื ื™ื™ืจืช ืื• ื‘ื“ื™ืงื•ืช ืืฉืจืื™ ื ื•ืกืคื•ืช

ืœืžื” ืœื‘ื—ื•ืจ ื‘-M1?
โ€ข ืื•ื˜ื•ืžืฆื™ื” ืžืชืงื“ืžืช: ื”ืฉืงื™ืขื• ืขื ืื™ื–ื•ืŸ ืžื—ื“ืฉ ื“ื™ื ืžื™
โ€ข ืงืœื•ืช ื•ื‘ืงืจื”: ื ื™ื”ื•ืœ ืชื™ืง ืขื‘ื•ื“ื•ืช ืžื•ืจื›ื‘ ืœืœื ื”ืขื‘ื•ื“ื” ื”ืขืžื•ืกื”
โ€ข ืขืœื•ื™ื•ืช ื ืžื•ื›ื•ืช: ืœืœื ืขืžืœื•ืช ืขืœ ืžืกื—ืจ^, ื—ื™ื ื ืœืœืงื•ื—ื•ืช ืขื ื™ื•ืชืจ ืž-$10,000 ื‘-M1

ื‘ึผึดื˜ึธื—ื•ึนืŸ
โ€ข ื”ืฆืคื ื” ืฉืœ 256 ืกื™ื‘ื™ื•ืช ื‘ืจืžืช ื”ื‘ื ืง
โ€ข ืื™ืžื•ืช ื“ื•-ื’ื•ืจืžื™
โ€ข ื”ื’ื ืช SIPC ืขื“ $500,000 ื‘ื—ืฉื‘ื•ื ื•ืช ื”ืฉืงืขื•ืช

ื”ืชื—ืœ
1. ืฆื•ืจ ืืช ื”ื—ืฉื‘ื•ืŸ ืฉืœืš
2. ื‘ื ื” ืืช ืชื™ืง ื”ื”ืฉืงืขื•ืช ืฉืœืš ืื• ื”ืขื‘ืจ ืžืชื™ื•ื•ืš ืื—ืจ
3. ืชืžืžืŸ ืืช ื—ืฉื‘ื•ื ืš ื•ื”ืชื—ื™ืœ ืœื‘ื ื•ืช ืขื•ืฉืจ ืœื˜ื•ื•ื— ืืจื•ืš
M1. ืฉืœืš ืœื‘ื ื•ืช.ยฎ

1ืชืฉื•ืื” ืฉื ืชื™ืช ื‘ืื—ื•ื–ื™ื (APY) ื ื›ื•ืŸ ืœ-5/1/25. ื”ืชืขืจื™ืคื™ื ื ื™ืชื ื™ื ืœืฉื™ื ื•ื™.
2ื™ืชืจืช ื”ืžื–ื•ืžื ื™ื ื‘ื—ืฉื‘ื•ืŸ ื”ืžื–ื•ืžื ื™ื ืฉืœืš ื–ื›ืื™ืช ืœื‘ื™ื˜ื•ื— FDIC ื‘ืจื’ืข ืฉื”ื™ื ืชื•ืขื‘ืจ ืœื‘ื ืงื™ื ื”ืฉื•ืชืคื™ื ืฉืœื ื• ื•ืžื—ื•ืฅ ืœื—ืฉื‘ื•ืŸ ื”ืชื™ื•ื•ืš ืฉืœืš. ืขื“ ืฉื™ืชืจืช ื”ืžื–ื•ืžื ื™ื ืชื’ื•ืจืจ ืœื‘ื ืงื™ื ื”ืฉื•ืชืคื™ื, ื”ื›ืกืคื™ื ืžื•ื—ื–ืงื™ื ื‘ื—ืฉื‘ื•ืŸ ืชื™ื•ื•ืš ื•ืžื•ื’ื ื™ื ื‘ื‘ื™ื˜ื•ื— SIPC. ื‘ืจื’ืข ืฉื”ื›ืกืคื™ื ื ืกื—ืคื™ื ืœื‘ื ืง ืฉื•ืชืฃ, ื”ื ืื™ื ื ืžื•ื—ื–ืงื™ื ืขื•ื“ ื‘ื—ืฉื‘ื•ืŸ ื”ืชื™ื•ื•ืš ืฉืœืš ื•ืื™ื ื ืžื•ื’ื ื™ื ืขืœ ื™ื“ื™ ื‘ื™ื˜ื•ื— SIPC. ื‘ื™ื˜ื•ื— FDIC ืื™ื ื• ืžืกื•ืคืง ืขื“ ืฉื”ื›ืกืคื™ื ื”ืžืฉืชืชืคื™ื ื‘ืชื•ื›ื ื™ืช ื”ืกื•ื•ื™ืค ืขื•ื–ื‘ื™ื ืืช ื—ืฉื‘ื•ืŸ ื”ื‘ืจื•ืงืจืื–' ืฉืœืš ื•ื ื›ื ืกื™ื ืœืชื•ื›ื ื™ืช ื”ืกื•ื•ื™ืค. ื‘ื™ื˜ื•ื— FDIC ืžื™ื•ืฉื ื‘ืจืžืช ืคืจื•ืคื™ืœ ื”ืœืงื•ื—. ื”ืœืงื•ื—ื•ืช ืื—ืจืื™ื ืœืคืงื— ืขืœ ืกืš ื”ื ื›ืกื™ื ืฉืœื”ื ื‘ื›ืœ ืื—ื“ ืžื”ื‘ื ืงื™ื ืฉืœ ืชื•ื›ื ื™ืช ื”ื˜ืื˜ื.
3ืชืขืจื™ืคื™ ื”ืฉื•ืœื™ื™ื ื›ืคื•ืคื™ื ืœืฉื™ื ื•ื™ื™ื. ืจืื” ืชืขืจื™ืคื™ื ื ื•ื›ื—ื™ื™ื ื‘-m1.com/borrow.
^M1 Finance, LLC ืื™ื ื” ื’ื•ื‘ื” ืขืžืœื•ืช, ืžืกื—ืจ ืื• ื“ืžื™ ื ื™ื”ื•ืœ ืขื‘ื•ืจ ื—ืฉื‘ื•ื ื•ืช ืชื™ื•ื•ืš ื‘ื ื™ื”ื•ืœ ืขืฆืžื™. ื™ื™ืชื›ืŸ ืฉืขื“ื™ื™ืŸ ืชื—ื•ื™ื‘ ื‘ืขืžืœื•ืช ืื—ืจื•ืช ื›ื’ื•ืŸ ืขืžืœืช ื”ืคืœื˜ืคื•ืจืžื” ืฉืœ M1, ืขืžืœื•ืช ืจื’ื•ืœื˜ื•ืจื™ื•ืช, ืขืžืœื•ืช ืกื’ื™ืจืช ื—ืฉื‘ื•ืŸ ืื• ืขืžืœื•ืช ADR. ืœืจืฉื™ืžื” ืžืœืื” ืฉืœ ืขืžืœื•ืช ืฉ-M1 ืขืฉื•ื™ ืœื’ื‘ื•ืช, ืขื™ื™ืŸ ื‘ืœื•ื— ื”ืขืžืœื•ืช ืฉืœ M1.
M1 ื”ื™ื ื—ื‘ืจืช ื˜ื›ื ื•ืœื•ื’ื™ื” ื”ืžืฆื™ืขื” ืžื’ื•ื•ืŸ ืžื•ืฆืจื™ื ื•ืฉื™ืจื•ืชื™ื ืคื™ื ื ืกื™ื™ื. "M1" ืžืชื™ื™ื—ืก ืœ-M1 Holdings Inc., ื•ืœื—ื‘ืจื•ืช ื”ื ืคืจื“ื•ืช ื‘ื‘ืขืœื•ืชื” ื”ืžืœืื” M1 Finance LLC, M1 Spend LLC ื•-M1 Digital LLC.
ื”ืฉืงืขื” ื›ืจื•ื›ื” ื‘ืกื™ื›ื•ืŸ, ื›ื•ืœืœ ื”ืกื™ื›ื•ืŸ ืœื”ืคืกื“. M1 Finance LLC ื”ื™ื ืกื•ื—ืจ ื‘ืจื•ืงืจ ืจืฉื•ื ื‘-SEC, ื—ื‘ืจ FINRA/SIPC.

ืฉื™ืขื•ืจื™ ื”ืœื•ื•ืื•ืช, ืชื ืื™ื ื•ืชื ืื™ื ื›ืคื•ืคื™ื ืœืฉื™ื ื•ื™ ื•ืขืฉื•ื™ื™ื ืœื”ืฉืชื ื•ืช ื‘ื”ืชืื ืœืงื‘ื™ืขืช ื”ืืฉืจืื™, ืชื ืื™ ื”ืฉื•ืง ื•ื’ื•ืจืžื™ื ืื—ืจื™ื. ืื™ืŸ ื–ื• ื”ืฆืขื”, ืฉื™ื“ื•ืœ ืœื”ืฆืขื”, ืื• ืขืฆื” ืœืงื ื™ื™ื” ืื• ืžื›ื™ืจื” ืฉืœ ื ื™ื™ืจื•ืช ืขืจืš, ืื• ืคืชื™ื—ืช ื—ืฉื‘ื•ืŸ ืชื™ื•ื•ืš ื‘ื›ืœ ืชื—ื•ื ืฉื™ืคื•ื˜ ืฉื‘ื• M1 ืื™ื ื• ืจืฉื•ื.
ืžืกื—ืจ ื‘ืžืจื•ื•ื— ื˜ื•ืžืŸ ื‘ื—ื•ื‘ื• ืกื™ื›ื•ืŸ ืจื‘, ืœืจื‘ื•ืช, ืืš ืœื ืจืง, ืกื™ื›ื•ืŸ ืœื”ืคืกื“ ื•ืœื”ื™ืฆืจื•ืช ืฉืœ ื—ื•ื‘ ื‘ืจื™ื‘ื™ืช ืžืจื•ื•ื—, ื•ืื™ื ื• ืžืชืื™ื ืœื›ืœ ื”ืžืฉืงื™ืขื™ื. ื—ืฉื‘ื•ื ื•ืช ืชื™ื•ื•ืš ื‘ืคืœื˜ืคื•ืจืžืช M1 ื ื—ืฉืคื™ื ื‘ืžืœื•ืื ืœ-APEX Clearing ืื• ืžืกื•ืœืงื™ื ื“ืจืš M1 Finance LLC.

ืžืฉืชืžืฉื™ื ื”ืžืฉืชืžืฉื™ื ื‘ื—ืฉื‘ื•ื ื•ืช ืžืจื•ื•ื—ื™ื ืฉืื•ืฉืจื• ืขืœ ื™ื“ื™ APEX ืฆืจื™ื›ื™ื ืœืขื™ื™ืŸ ื‘ื’ื™ืœื•ื™ ื”ืกื™ื›ื•ืŸ ื‘ื—ืฉื‘ื•ืŸ ืžืจื•ื•ื—ื™ APEX ืœืคื ื™ ืงื‘ืœืช ื”ืœื•ื•ืื•ืช. ืžืฉืชืžืฉื™ื ื”ืžืฉืชืžืฉื™ื ื‘ื—ืฉื‘ื•ื ื•ืช ืžืจื•ื•ื—ื™ื ืฉืกื•ืœืงื• ื‘-M1 ืฆืจื™ื›ื™ื ืœืขื™ื™ืŸ ื‘ื’ื™ืœื•ื™ ื”ืกื™ื›ื•ืŸ ื‘ื—ืฉื‘ื•ืŸ M1 ืœืคื ื™ ืงื‘ืœืช ื”ืœื•ื•ืื•ืช. ื”ืœื•ื•ืื•ืช ืžืจื•ื•ื— M1 ื–ืžื™ื ื•ืช ื‘ื—ืฉื‘ื•ื ื•ืช ืžืจื•ื•ื—ื™ื ืขื ืžื•ืฉืงืขื™ื ืฉืœ ืœืคื—ื•ืช 2,000 $ ืœื›ืœ ื—ืฉื‘ื•ืŸ. ืœื ื–ืžื™ืŸ ืขื‘ื•ืจ ื—ืฉื‘ื•ื ื•ืช ืคืจื™ืฉื” ืื• ืžืฉืžื•ืจืช. ืฉื™ืขื•ืจื™ ื”ืฉื•ืœื™ื™ื ืขืฉื•ื™ื™ื ืœื”ืฉืชื ื•ืช. ืžื•ืฆืจื™ ืชื™ื•ื•ืš ื•ืฉื™ืจื•ืชื™ ืชื™ื•ื•ืš ืžื•ืฆืขื™ื ืขืœ ื™ื“ื™ M1 Finance LLC, ื—ื‘ืจ FINRA / SIPC, ื•ื—ื‘ืจืช ื‘ืช ื‘ื‘ืขืœื•ืช ืžืœืื” ืฉืœ M1 Holdings, Inc.

M1 Finance LLC
200 N LaSalle Street, Ste. 810
ืฉื™ืงื’ื•, IL 60601
ืขื“ื›ื•ืŸ ืื—ืจื•ืŸ ื‘ืชืืจื™ืš
19 ื‘ืื•ื’ืณ 2025

ืื‘ื˜ื—ืช ื ืชื•ื ื™ื

ื›ื“ื™ ืœืฉืžื•ืจ ืขืœ ื”ื‘ื˜ื™ื—ื•ืช ืฆืจื™ืš ืงื•ื“ื ื›ืœ ืœื”ื‘ื™ืŸ ืื™ืš ื”ืžืคืชื—ื™ื ืื•ืกืคื™ื ื•ืžืฉืชืคื™ื ืืช ื”ื ืชื•ื ื™ื ืฉืœืš. ื ื•ื”ืœื™ ืคืจื˜ื™ื•ืช ื”ื ืชื•ื ื™ื ื•ืื‘ื˜ื—ืช ื”ื ืชื•ื ื™ื ืขืฉื•ื™ื™ื ืœื”ืฉืชื ื•ืช ื‘ื”ืชืื ืœืฉื™ืžื•ืฉ, ืœืื–ื•ืจ ื•ืœื’ื™ืœ ื”ืžืฉืชืžืฉ. ื”ืžืคืชื— ืกื™ืคืง ืืช ื”ืžื™ื“ืข ื”ื–ื” ื•ื”ื•ื ืขืฉื•ื™ ืœืขื“ื›ืŸ ืื•ืชื• ืžื“ื™ ืคืขื.
ื”ืืคืœื™ืงืฆื™ื” ื”ื–ืืช ืขืฉื•ื™ื” ืœืฉืชืฃ ืืช ืกื•ื’ื™ ื”ื ืชื•ื ื™ื ื”ืืœื” ืขื ืฆื“ื“ื™ื ืฉืœื™ืฉื™ื™ื
ืคืจื˜ื™ื ืื™ืฉื™ื™ื, ืžื™ื“ืข ืคื™ื ื ืกื™ ื•-5 ื ื•ืกืคื™ื
ื”ืืคืœื™ืงืฆื™ื” ื”ื–ืืช ืขืฉื•ื™ื” ืœืืกื•ืฃ ืืช ืกื•ื’ื™ ื”ื ืชื•ื ื™ื ื”ืืœื”
ืคืจื˜ื™ื ืื™ืฉื™ื™ื, ืžื™ื“ืข ืคื™ื ื ืกื™ ื•-5 ื ื•ืกืคื™ื
ื”ื ืชื•ื ื™ื ืžื•ืฆืคื ื™ื ื‘ื–ืžืŸ ื”ื”ืขื‘ืจื”
ื‘ืืคืฉืจื•ืชืš ืœื‘ืงืฉ ืฉื ืชื•ื ื™ื ื™ื™ืžื—ืงื•

ื“ื™ืจื•ื’ื™ื ื•ื‘ื™ืงื•ืจื•ืช

4.3
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ืชืžื™ื›ื” ื‘ืืคืœื™ืงืฆื™ื”

ืžืกืคืจ ื˜ืœืคื•ืŸ
+13126002883
ืžื™ื“ืข ืขืœ ืžืคืชื—ื™ ื”ืืคืœื™ืงืฆื™ื”
M1 Finance LLC
help@m1.com
200 N La Salle St Ste 800 Chicago, IL 60601 United States
+1 312-668-0869

ืืคืœื™ืงืฆื™ื•ืช ื“ื•ืžื•ืช