Thursday, June 24, 2021

Tellus Boost: Your Questions Answered


Everything you need to know about Tellus Boost and how it utilizes the power of real estate to earn you 3% APY.

Sign up now to earn up to 6% APY for a limited time. Use code 5J6HT4 to boost your starting interest rate of 3%. 

If you’ve been thinking and reading about personal finance, there’s probably a term you’ve heard thrown around at least a couple times: Financial Freedom. It’s what you get when your assets make enough money to pay for your expenses and eliminate the need for you to continue working a day job. The first step, and one of the core pillars, of achieving financial freedom, is saving. The faster you’re able to save money, the sooner you can become financially free. Easier said than done, I know. That’s why Tellus Boost helps your savings earn more, so every dollar you save gets you even closer to your financial goals.

What is Tellus Boost?

Tellus Boost is a high-yield savings solution that allows you to earn more and worry less. We pay an industry-leading 3% APY as a baseline rate. That means that the minimum you will make in a year is 3%. However, since we pay and compound interest every day, you’re actually earning even more, and every deposit starts earning interest right away. 

Tellus Boost is not a savings account and we are not a bank, so you can expect a few major differences. First, the interest you earn is real. No more dealing with pennies per month (if you’re lucky), since we pay interest and credit your account every day. Another added benefit is that you can manage your account through our mobile app with plenty of extra features, including boosts that increase your interest rate even further. If you’re tired of the clunky mobile experience you’re accustomed to with your bank; you’ll understand how big of a deal this can be. Finally, we offer live chat with our customer support team who is dedicated to helping you solve any problems and answer any questions you might face. No more sitting on hold and waiting to be transferred to the right department; just chat with a real person.

How does it work?

Tellus is built for two types of people. Savers, who use our high-yield cash account to earn a better return than they would get from their bank, and Owners, who use our suite of property management tools to manage their rental properties with ease. Funds that are deposited in the Tellus Boost account by Savers are used to issue loans to Owners. These loans are secured by their property or real estate, the same way that your typical bank might issue a mortgage to its clients. Tellus sits in the middle, and Savers don’t have any direct real estate or loan exposure. By servicing both sides, we’re able to have full control over the process from start to finish. This helps reduce the level of uncertainty and instability you may have come to expect from mainstream interest rates.

How is the rate so high?

When an Owner takes out a loan with us, they’re required to repay the loan over time, usually in monthly installments. Our loans typically have interest rates that exceed the amount that we pay Savers for those funds. The difference between these rates is how Tellus makes money, and more importantly, how we can afford to pay you a rate that’s so much higher than our competitors! Most traditional savings accounts as well as “high-yield” savings competitors out there have rates that fluctuate greatly over time. We offer 3% APY year-round, while many of our closest competitor’s rates often drop below even 1% APY.

What are boosts?

Tellus Boost gets its name from a unique opportunity we give Savers that you won’t find anywhere else. Despite offering 3% APY, one of the most competitive fixed rates available right now, we don’t stop there. Boosts allow you to increase your rate even further. Each boost has a varying effect, ranging from a simple additive increase to your rate, all the way to a multiplier that doubles your rate to 6% APY! Boosts have a limited duration, which means you might only have that rate for a day, but as long as you’re using boosts frequently, you can make a sizable impact on the total return you’ll get over the course of an entire year.

There are a few ways that you can get started earning boosts. The simplest and easiest way is just to log in to the Tellus app every day. You’ll have a free boost waiting for you to claim it and a daily quiz that you can answer for a chance at another. These boosts usually only last for one day, so you can pick the one you want to apply and put it to use. If you’re looking for some longer term boosts, we will occasionally offer promotions for boosts that can last anywhere from 7 to 30 days, so keep checking in so you don’t miss out!

Is it safe?

A question we get all the time is whether Tellus Boost is FDIC insured. In short, the answer to that question is, “No”. We are not a bank. And since FDIC insurance is only available to member banks, it is not available to us. However, that does not mean that Tellus Boost is an unsafe alternative to traditional banking. Banks are limited in the types of investments that they can make, which would make our current system (as described in the “How does it work?” section above) impossible. It’s simple, it works, and we strongly believe in its merits.

We also don’t think FDIC insurance is all it’s cracked up to be. In fact, you may not even need it. This thought likely flies in the face of a lot of financial advice you’ve gotten up to this point, but hear us out. At the end of the day, FDIC insurance only kicks in if your bank fails, and if that happens, you probably have bigger fish to fry. If you’ve ever held any amount of money in a brokerage account, you were likely exposing yourself to more risk than you would with Tellus.

Any money you have deposited in a Tellus Boost account is protected by real estate assets with a significant enough cushion built in to survive even the worst housing crises in US history. Even those events were incredibly rare and infrequent blemishes on the otherwise clean record of one of the most historically stable markets of the modern era. Regardless of your faith in the real estate market as a whole, that risk falls on our shoulders and ours alone. In other words, the money in your Tellus Boost account is not at risk when real estate markets rise or fall.

Is there customer service?

The most common compliment we receive is how helpful and responsive our support team is! Monday through Friday from 9-5 PST, you can chat live with one of our support specialists. No matter what your concern is, whether you’re having an issue with the app or you simply have a question about how to get the most out of your boosts, our support team is ready to help you out in any way possible.

Sign up now to earn up to 6% APY for a limited time. Use code 5J6HT4 to boost your starting interest rate of 3%. 

Tellus App Review


Sign up now to earn up to 6% APY for a limited time. Use code 5J6HT4 to boost your starting interest rate of 3%. 
Note: Tellus is not FDIC insured. FDIC stands for "Federal Deposit Insurance Corporation" and its only function is to insure banks in the event of bank failures. This means that if a bank fails the insurance covers customer deposits in that bank up to $250,000 per customer. Tellus is not a bank, so becoming FDIC insured does not apply to them. Your deposits are protected by a pool of recorded deeds of trust. NEW FEATURES: 1. In-app referral and easy-to-track flow. Share your unique referral code and you will automatically be rewarded with referral boosts! 2. Zelle deposit option 3. Calculator tab and feature option to view potential earnings 4. New wire transfer flow About ► Tellus is built for Savers, who use its high-yield cash account to earn a higher rate of return than they would get from their bank or credit union, and Owners, who use its suite of property management tools to manage their rental properties with ease ► Funds that are deposited in the Tellus Boost account by Savers are used to issue loans to Owners ► Loans to Owners are secured by their property or real estate like a mortgage ► Loans typically have interest rates that exceed the amount paid to Savers for those funds Major reasons to consider Tellus Boost for your savings: ► High-yield savings solution (remember not a "savings account") ► No fees ► 3% APY as a baseline rate on entire balance, pay and compound interest every day ► Every deposit starts earning interest right away ► App is very easy to use and simple to understand ► Boosts allow you to increase your rate even further. Each boost has a varying effect, ranging from a simple additive increase to your rate, all the way to a multiplier that doubles your rate to 6% APY ► Limited time on boosts available for daily login and daily quiz ► Stellar customer service ► Tellus does not sell your personal data to anyone Worth noting: ► Not a savings account and not a bank, since FDIC insurance is only available to member banks, it is not available for Tellus Boost. However, that does not mean that Tellus Boost is an unsafe alternative to traditional banking ► There is a 60-day aging requirement for ACH transfers, Aging is not required for funds transferred to Tellus via a wire transfer or Zelle ► minimum balance of $200 required to accrue daily interest
Sign up now to earn up to 6% APY for a limited time. Use code 5J6HT4 to boost your starting interest rate of 3%. 

Tuesday, January 12, 2021

Opening Range Strategy

 Finally A Successful Emini Day Trading System That Anyone Can use

The Emini Futures markets provides the day trader with a fantastic highly leveraged trading vehicle that can lead to large profits even for small beginning account holders. However this built in leverage is a double-edged sword and many new futures traders can experience large draw-downs and take losses in their accounts when first starting out as they attempt to work through the learning curve experimenting with too many different approaches.

What if you could start off, right away with an easy-to-follow, easy on your nerves, 100% Automated system right from the get-go and avoid all of the headaches and frustration that many new traders endure?

This Strategy has created an easy to follow AUTOMATED SYSTEM that captures big point gains in the futures market. It generates 2 dynamic price targets each session for the ES, NQ, YM both long or short and those targets have an average win rate of both 75% and 50% respectively – (sometimes greater). In most instances, when the first target is hit your remaining position achieves a “virtual break-even” no-lose point – you can then relax without fear and let your final contract(s) work throughout the remainder of the session which many times go on to attain very large point gains. This 2 Target/Runner based system is both easy to implement and can be followed safely and mechanically without incurring large upfront draw-downs in your account.

You know it’s a statistical fact that the market will make big long range moves 3-5 times a month on average, (there are 22 trading days in a month) and most trading experts will agree that that the BIG point gains and hence profits, are made on long range days. The problem is most short term day traders adopt scalping approaches going for small point moves and quick wins thinking this is the safe way to go, only to miss out on the huge daily point runs that we see occur. This 2 Target – Runner based system is both easy to implement and can be followed safely and mechanically without incurring large upfront draw-downs in your account.

This System Catches And Keeps You In The BIG MOVES!

To start with a 2 day trial contact us:
to get started. 

  • The information presented here is for educational purposes only and the opinions expressed are those of the presenter only. All trades presented should be considered hypothetical and should not be expected to be replicated in a live trading account.

Wednesday, November 18, 2020

2563 traders passed one of Leeloo evaluations this year

More than 2563 traders passed one of Leeloo evaluations this year. Leeloo is growing just as the traders are and they could not be any prouder! These numbers are possible due to the flexibility of Leeloo evaluation (1 Step and 10 days only) and the hard work of traders who have persevered. Well done!
Use this coupon code: INWJJYYX for 15% off any plan. (Good for first month only not for resets)

  • The information presented here is for educational purposes only and the opinions expressed are those of the presenter only. All trades presented should be considered hypothetical and should not be expected to be replicated in a live trading account.

Sunday, March 8, 2020

How to think about this past week’s choppy market

The coronavirus has been headline news for a few weeks now. This week when I decided to check in on my M1 Finance account. I opened the app on my phone and saw my portfolio was down 10 percent for the week. 
That’s not my preferred way to start my day, but OK, dips happen. It’s the stock market.  
However, it’s what I decide to do at this point that will really make or break my investing strategy over the long term. And the way I see it, I have five choices in a market downturn: 
  1. Adjust my portfolio targets:  “This downturn made me realize that my portfolio choices were riskier than I have the appetite for. I am going to use some more conservative investment options.” 
  1. Do nothing:  “I know markets go up and down. I am confident this is temporary and my portfolio will stay the course. 
  1. Invest even more and buy the dip:  “Stock prices are down. It’s  a great buying opportunity. I’m going to be more aggressive.” 
  1. Take advantage of the dip: “I think the markets have another 10% to lose, I am going to move my positions to those that gain value when the market loses.” 
  1. Sell my portfolio:  “The big one is coming. I am going to hold everything as cash or cash alternatives until the danger subsides and re-enter when the markets have stabilized” 
But which choice is the right one? This is the million-dollar question (figuratively and maybe even literally). 
Of course, I’d love to give you a concrete answer on what to do when markets are volatile . But in reality, it depends on many personal factors, including age, risk tolerance, personality, portfolio construction, current investment, large planned purchases, family structure, health, and so on and so forth.  
Depending on your unique financial situation, my answer could be one of them, some of them, all of them, or none of them. But it would be wildly irresponsible of me to blindly tell you how to uniformly react to this market downturn.  So I won’t. 
Here’s what I will say: M1 developped the tools for the next generation of personal financial management, factored in choppy markets and down markets into their platform. 

Markets can be volatile

Periods of choppy markets and downturns have happened before, they’re happening right now, and they will happen again.  
As investors, and especially in times of calmer markets, we often look at historical market performance from a 10,000-foot view, hanging our hats on reassuring facts and statistics like this one
“The average annual return for the S&P 500 since its inception in 1928 through 2017 is approximately 10%.”
See? History is on our side. The facts are on our side.  We invest our money today, and in 10 years we can reasonably expect – though history is no predictor of the future – to earn somewhere around 159.4% in returns (with compounding).  
Simple, right? 
If that’s the case, though, why don’t we all just do that? 
Because reality sets in. It’s difficult to check emotions at the door. The markets aren’t on a direct path: they go up, and they go down, and downturns occurs more wildly and more often than we tend to see from that 10,000-foot view. Just take a look at the magnitude and frequency of downturns in the table below

And last week’s downdraft is the fifth worst in stock market history, so it feels particularly acute.

The point is, market downturns happen to all of us — often more than once in our lifetimes — and it’s important to be prepared, knowing markets don’t just move upward in a linear fashion. 
As a wise man once said:
“Everyone has a plan until they get punched in the mouth.”

Mike Tyson
We all have a grand plan of how we want to save and invest. We should also have a plan for how to react in choppy markets. 
At M1, they provide the tools you need, so when you do get “punched in the mouth,” you can assess your situation and implement the smartest decisions to move forward. 
So when you look at your portfolio returns and see a negative number, don’t immediately rush to panic. As the New York Times noted*:
“Humility and patience are more helpful than panicky moves to time the market.”
We don’t know the economic effects of the coronavirus yet. Is it a short-term blip or a worldwide drag on the economy for the next year? Let’s use this as a time to assess our goals, assess our financial situation, and assess our investments to make informed, level-headed decisions. And, most importantly, know how to use the tools available to you in a market downturn to best continue marching toward your financial goals.  
For M1 users, these features can help you react to any downturns that come your way, no matter what your unique financial situation:

Portfolio-based investing

For evaluating performance and adjusting your targets
M1’s intuitive Pie design allows you to easily digest how choppy markets have affected you and react accordingly. Here, performance attribution is key: when markets are choppy, you need to be able to quickly diagnose how and where these changes are affecting your portfolio. They designed the M1 portfolio specifically with this in mind, allowing you to view performance of your portfolio as a whole or drill down into specific slices, then efficiently adjust your targets if necessary. 

Dynamic Rebalancing

For taking advantage of falling prices and buying the dip
M1’s Dynamic Rebalancing is built to take advantage of opportunities to buy low. When individual stocks or funds in your portfolio dip in value, these slices become more underweight in relation to their targets. As you invest more money in your portfolio, the M1 platform intelligently deploys more of that money to underweight slices, automatically taking advantage of buying opportunities and bringing these slices back up to their target weights. 

M1 Borrow

For leveraging your portfolio to buy the dip 
If you aren’t already familiar, M1 Borrow is a flexible, low cost line of credit. If you check your portfolio and see the choppy markets as a buying opportunity, you always have access to more capital at a click of a button.  
Having the power of M1 Tools, I know I have the tools I need to make the right decision for me, no matter what happens next week, next month, next year, and beyond.  

Recurring deposits

For making it easy to stick to your plan
During market downturns, our worst enemy is often ourselves. These are the times during which staying the course and sticking to our plan is often the most difficult. It’s all too easy for our emotions to take over: we panic, we sell, and we forget all about our long-term goals. This is when automating our investing is the most crucial. Setting up recurring deposits in the M1 platform allow you to stick to the plan with zero effort and helps us get out of our own way. Setting an investing schedule forces you to opt out of making smart financial decisions rather than opt in, so you’re not tempted to skimp on contributions. 

M1 Spend and cash balances

For putting money into a cash position to wait out the storm 
Cash is sometimes an underutilized or forgotten asset class when creating our investment plan. At M1, we have a couple of cash options. M1’s Spend checking account is a place to park cash while waiting for another opportunity, and people who subscribe to Plus earn 1.5% APY on all cash. The other cash option with M1 is setting your cash balance thresholds in M1 Invest higher and keeping cash in your brokerage account while waiting for your next buying opportunity. 

Tuesday, March 3, 2020

Getting rich: How to build wealth and how to become rich

How to build wealth

There are several potential ways for those who wonder how to become rich by investing. There is no singular thing that you can do, rather it is a culmination of lifestyle changes and habits. You can live beneath your means by cutting out extraneous expenses. You can choose to automate your savings and investments by scheduling regular monthly transfers from your checking account. By doing this, it will force you to live on less while you make good investing habits on your way to getting rich.
Learn how to build wealth and how to become rich.
Building a diversified portfolio of stocks, ETFs, and other securities might help you on how to build wealth. Also, you can increase the rate at which you save by 1 percent every six months and devote 50 percent of all of your raises or bonuses to your investments and savings.

Statistics on wealth

What it means to be wealthy in comparison to others around the world might be different than what you think. According to the Global Wealth Report by Credit Suisse, people who have a net worth of $93,170 are wealthier than 90 percent of people in the world. The net worth that is required to be a member of the global 1 percent is $871,320.
The U.S. accounts for 41 percent of all of the millionaires in the world. The median net worth per adult in the U.S. is $61,667, and the average net worth for U.S. adults is $403,974. These higher figures show that while people tend to have more wealth per capita in the U.S., the wealth inequality is also high in the U.S. To be considered rich in the U.S., you will likely need far more than the global amounts.

What are the main 6 lessons for how to become rich?

Here are some of the steps  to help you learn how to build wealth:
  • Invest in yourself financially
  • Spend money only on necessities
  • Create secondary sources of income
  • Manage your risk to reap rewards
  • Create monthly savings
  • Max out your retirement plans
Developing better money habits can help to put you on the path to gaining financial independence and getting rich.

1. Invest early and establish financial goals

The path to building wealth is not simple. Instead, it will require work and adherence to your goals. You need to begin by defining what getting rich means to you. Next, you need to establish your financial goals.
If you have employer-sponsored plans available to you at your job, take advantage of them. Strive to contribute the maximum to your 401(k) plan. If you cannot contribute the maximum, at least try to contribute the matching amount if your employer offers to match contributions up to a certain percentage.
Start investing with M1 Finance and learn how to get rich.
In addition to your 401(k) or another employer-sponsored plan, you should open a Roth IRA if you are income-eligible. Contributions that you make to a Roth IRA are made after tax, but you will not have to pay taxes when you start taking withdrawals in retirement. Contribute the maximum to your Roth IRA account each year. If you are younger than 50, you can contribute $6,000 per year. If you are 50 or older, you can contribute $7,000 per year.
Consider investing in exchange-traded funds. You might have access to these funds in your 401(k) or your Roth IRA. If you would like to be able to benefit from any returns that you might earn from your ETF investments before you retire, you might want to also consider opening a taxable brokerage account. Choose ETFs that have expense ratios of 0.1 percent or lower. This is the percentage of your money that goes to fees rather than generating returns for you. You should watch your expense ratio and keep it low so that your money is able to work harder for you.
It is also important for you to figure out your risk tolerance. In general, you can afford to be more aggressive with your investment strategy when you are younger. As you draw closer to retirement, your strategy should become progressively more conservative.

2. Live below your means

Saving money requires you to develop better money habits. Getting rich quick is something that rarely occurs, and if you try to employ financial gimmicks, you are unlikely to realize your goal of financial independence and increasing your cash flow. For many people, the key to how to become rich is to do it slowly. Here are some steps that you can take to on your path to attain financial success:
  • Budget and live below your means
  • Eliminate debt
  • Use money management tools
  • Have emergency funds
Create a realistic budget and work towards living below your means. Start by tracking all of your spending for a month. Tracking your spending includes accounting for cash purchases that you make. Save all of your receipts. At the end of the month, categorize your purchases and figure out areas that you can cut.
Work on eliminating your debt. There are a few methods for cutting out your debt. You can try paying off the highest-interest debt first and then using the money that you spent on that debt on the one with the next highest interest rate. Alternatively, you can use the snowball method. This involves you paying off the debt with the smallest balance first and working your way up from there.
Money management tools can help you to plan and to stay on track. These tools can set parameters for budgeting, scheduling bill payments and assisting in debt planning. You can find free money management tools online that you can use.
Finally, building an emergency fund is crucial. An unexpected setback could derail your financial plans. Aim to save between three and six months’ worth of your expenses. A high-interest savings account or a money market fund would be suitable options so that you can readily access the money if you experience an emergency like an unexpected illness, an accident or a job loss.

3. Have multiple streams of income

Passive income is important for building wealth. Many wealthy people have several passive income streams. This is income that you do not have to work for, and it includes compound interest and dividends. Real estate properties and investments in private businesses are other forms of passive income. This type of income source has strict regulations with the IRS, so it may be advisable to seek a professional when determining deductions and taxable income.
The compound interest formula takes into account your principal and the future rate of return that it will earn. You can use the compound interest formula to understand how your investments might grow over time. This is one type of passive income that can help you to build your wealth.
Master investing with M1 Finance and learn how to get rich.
Dividends that you earn from your stocks, REITs, equity mutual funds, or other equity securities should be reinvested. Instead of cashing dividend checks, reinvest your dividends so that you can take advantage of compounding. A dividend reinvestment plan is an efficient way of investing.
Dollar cost averaging is one method for getting rich that you can employ. With dollar cost averaging, you invest the same dollar amount in a security each month regardless of how the market is doing. Over time, this can help you to control for volatility and to build your savings.
Investing in real estate is one way how many wealthy people start out. Approximately 90 percent of the world’s millionaires invest in real estate. One way to do this is to buy your first home, live in it, and then rent it out instead of selling it. You can then move into your next home, live in it, and rent it out instead of selling it etc...etc...

4. Invest on your own individual terms when determining risk

By now, you should understand that get rich quick schemes are gimmicks that do not work. You should instead focus on learning how to manage your money. If you learn how to accomplish this, becoming rich over time may become an attainable goal.
The science of wealth starts by calculating your risk so that you can determine your risk tolerance. In general, you can have a higher risk tolerance when you are younger and lower one as you grow older. To check your level of risk tolerance, you can take this quiz.
Wealthy people understand the importance of diversification. This involves diversifying your portfolios. Wealthy people make certain that all of their portfolios are diversified, including their IRAs, 401(k)s, their brokerage accounts, and their 529 college savings plans. In addition to having these different types of accounts, the science of getting rich involves making certain that your holdings in each one is diversified across different asset classes. Diversification does not guarantee a profit or protect against a loss in a declining market. It is a method used to help manage investment risk.
Affluent people make certain that they stay current with politics, economics, and other topics in the world of finance. Researching is important for getting wealthy. There are many websites, blogs, and books that can help you to learn how to build wealth. General financial advice is also available to help you to learn about saving money more effectively, adding income streams and increasing your cash flow.

5. Automate savings and make it a monthly habit

Saving money must be viewed as a habit if you have a goal of financial independence. Invest in yourself before you spend money each month. One of the best ways for how to build wealth is to automate your savings.
Set up a scheduled transfer from your checking account at the beginning of each month into your investment and savings accounts. The money can then be transferred from your accounts and into your chosen investments without having to worry about managing your finances. This creates an effortless way to invest.
Automating your investing can help you to live beneath your means while you build wealth. Since the excess money is not in your account to spend, it reduces the chance of spending it on unnecessary purchases. While this approach is not a getting rich quick scheme, it may help you to achieve financial success over time.
Wealthy people also monitor their portfolios and rebalance them on a quarterly or annual basis. Rebalancing your portfolio involves buying or selling investments to get your portfolio back to its target allocation. Doing this as needed or annually might help your portfolio to continue performing optimally. Select brokerages offer automatic rebalancing as a service in an effort to offer more efficient investing. Rebalancing can entail transaction costs and tax consequences that should be considered when determining a rebalancing strategy.

6. Long-term plan to get rich slowly

Amassing wealth is a long-term goal. You should write a financial plan with a focus on getting rich slowly over time. Your plan should include ways to max out your retirement accounts. For example, if you are under age 50 and have a 401(k) plan, you can contribute a maximum of $19,000 per year. You should strive to contribute this amount and also max out your traditional or Roth IRA each year.
Tax-advantaged investments are also an important component of your strategy. Contributions to your retirement accounts are tax-advantaged. Traditional IRA contributions are deductible during the year in which you make them, and your investments are able to grow on a tax-deferred basis over time. Roth IRA contributions are made after tax and are not deductible, but you will not be taxed when you begin taking distributions in retirement.
Use multiple sources of income and M1 will show you how to build wealth and become rich. Start investing with M1 Finance.
Another strategy is to plan to delay receiving your Social Security benefits. If you wait to start drawing your Social Security benefits until age 70 and were born between 1943 and 1954, for example, you will receive 132 percent of your full benefits amount. Waiting to take Social Security can provide you with greater cash flow after you retire.
Finally, reallocating your portfolio once per year can help you to stay on track with your goal of getting rich. You should look at your portfolio and compare it to your target allocation. Make changes to bring it back to your objectives for your investment goals and your desired rate of return. Make certain that your expense ratio remains low, and you may enjoy better overall performance.

Watch your savings grow with M1

With M1 Finance, you are able to invest for free. You will not have to pay any commissions or fees. You can set up automatic transfers from your account so that money can flow in and will be invested in your portfolio according to your individualized account. M1 Finance also uses dynamic rebalancing so that your portfolio returns to its target allocations.
M1 Finance empowers you to manage your money and build wealth with ease. M1 Finance is a cutting-edge investment platform and mobile app where you can open your account for free, individualize your account, figure out your risk tolerance and goals, and fund your account. You create your own custom portfolio by choosing your own securities and allocating the percentages that you wish to assign to each one. If you prefer, you can simply choose a portfolio that matches your goals and your risk tolerance from among more than 80 that have been created by experts. You can also start investing now by signing up for your own account.