Monthly "Rate My Pie / Portfolio Discussion" thread - June 2022 the pie. I'm finding that it's easy to get carried away adding slice after slice to… M1: The Finance Super App™. All investing involves risk, including the risk of losing the money you invest. I need suggestions in choosing one of these options (I am also in for other options). GameStop Moderna Pfizer Johnson & Johnson AstraZeneca Walgreens Best Buy Novavax SpaceX Tesla. Each investment is called a slice. M1 may post information here, however, this subreddit is not monitored by M1. 47K subscribers in the M1Finance community. 44K subscribers in the M1Finance community. We think M1 Finance’s pie-based approach to investing is a great hybrid for those of us in the FI community. Note, most of these pies (excluding the hedge fund pies) will be made up of ETFs and not stocks. Downvote? //m1. Now, you can invest in their Expert Pies if you wish, and that will probably give you a similar feel to what a robo advisor does, but it's still you in the driver's seat. I have both. These are quite a bit better, though, since they don't charge you a 0. Don't use the expert pies as they ALL update yearly, This can/will force you to sell early (when you don't want to) or make it so you get short term instead of long term capital gains (potentially) I wasn't aware the one I selected was updated like this (I knew some did, but not all) Wasn't disclosed on the PC M1 but noticed it when I checked on my phone. I wrote a comprehensive review of M1 Finance here. M1 lets you earn, invest, spend, and borrow all on one financial platform. Aug 6, 2024 · M1 offers nearly 100 pre-made portfolios, which it calls “expert pies. Kind of the point of M1. 46%, 13. I believe most M1 expert pies are updated quarterly, or if any major change occurs to the included stocks. Crypto Sep 9, 2022 · What is a pie in M1 Finance? A pie is what M1 Finance calls a part of your portfolio. M1 Finance offers most ETF's and individual stocks. Gambling with actively managed funds and the hedge fund pies can be fun (when you're not overextended) and the hedge fund pie descriptions clearly state that M1 replicates quarterly 13F SEC filings, so the algorithm sells on your behalf. Or check it out in the app stores Expand user menu Open settings menu. finance Most of the M1 Expert Pies can be replicated with 4 asset classes: US stock index (VTI), International stock index (VXUS), US bonds (BND) and International bonds (BNDX). Let me know your thoughts. I am currently 29 years old and will be turning 30 in 6 months. The not-so-great is the fact that these portfolios have some wonky assets and allocations. Questions or concerns for your Does anyone know what are the best expert high dividend stock pies? Looking to get the very best dividends return. I see it has a 60 percent 10 year… Yes, M1 rebalancing the pie would create taxable events if it's selling any shares to re-distribute amongst the pie. The M1 target date pies all have DBC which issues a K-1. I feel confident that there is an algorithm behind Betterment's portfolio. Personally, I was already maxing out my Fidelity 401k, Vanguard Roth IRA, and auto-investing in my primary Vanguard taxable account before discovering M1 Finance thru Lyn Alden in April 2019. Posted by u/StraightMoney1970 - 4 votes and 6 comments Marijuana investing is extremely popular right now and M1 offers a variety of strictly marijuana options. Posted by u/bartoncls - 2 votes and 4 comments M1 won't do that. M1's Expert Pies are managed by M1 so when the pies rebalance automatically to match the SEC filing, your pie will be realizing gains or losses, both taxable events. Every quarter, we review the fund's 13F SEC filings and replicate the allocations to ensure your Expert Pie is up to date and M1: The Finance Super App™. The 5 Best Stock Brokers; The 4 Best Investing Apps; M1 Finance Review M1: The Finance Super App™. gov). My performance says +4% over 1 year but im not sure what that means. I see there are three expert pies for the year 2055 as for every year under the Plan for Retirement"section. The premade pies are exactly for people who don't understand what they're investing in and need help. Business, Economics, and Finance. Reddit iOS Reddit Android Reddit Premium M1: The Finance Super App™. 66, 0. finance/8AV02WgzK (Created a new Scan this QR code to download the app now. Confused about one thing. I add $250 from my bank. You can use VT + BNDW for ultra simplicity. Fidelity has a few more account types than M1 Finance, notably Solo 401(k), SIMPLE IRA, 529, and HSA. Posted by u/BrenzelWillington - 1 vote and 7 comments Jul 23, 2023 · M1's category of “General Investing” Expert Pies allows you to select a portfolio based on your personal risk tolerance. I say you go with M1 Plan for Retirement 2060 Aggressive it is basically 2065 Moderate Pie. Ok. M1 may post information but does not manage this subreddit. This… Do you guys think it is a good pie? I’m 23 so I’m looking for advice and thoughts on it to invest for the long run. I’m advocating for IDLV below as a low-ER international ETF, as well as Vanguard’s low-cost offerings of VYMI, VIGI M1 lets you earn, invest, spend, and borrow all on one financial platform. Reading on this forum, I see that expert pies are a bad idea so I am going with this Portfolio. And also Are the Expert Pies in M1 finance on-par with Wealthfront / Betterment portfolios. m1: $160,231, 9. However, I've noticed that when exploring expertly curated investment portfolios (pies), VTI rarely seems to be included. Right now there are I believe 5 Canadian… The best paying dividend pie is the global dividend fund and the long term bond fund under the “income earners “ tab of expert pies . Because of their pies, it’s probably one of the best set it and forget it apps when it comes to investing. Here are my attempts at improving the other variations of M1's General Investing Expert Pies. It should be mentioned in the pie description: The Pies allocations are built to become more conservative as retirement date nears and are automatically updated and rebalanced quarterly. If you build your own, you will have more control of your exposure to these asset classes I mentioned. ” Brand new user of M1 Finance and I have what seems to be a simple problem but I can't figure it out. " M1: The Finance Super App™. For example when Raytheon and United Technologies merged they updated the "Aerospace & Defense" pie to remove the two old tickers, added the new one (RTX), sold off the splits (Otis and Carrier) and also added L3Harris. They are pretty similar to Vanguard Target Date Retirement Funds who have good record of recovering from major stock market crashes in one or two years. The pie system makes it really easy to keep your allocations just how you want them, and rebalancing is easy. Jul 29, 2024 · I'm not a big fan of social media, but you can find me on LinkedIn and Reddit. When I look at expert pies and other peoples portfolios, It seems like most are taking the approach of adding a handful of stocks or funds to a pie and leaving it as is. M1 Tech pie in the Expert Pies section anymore. If it's a winner, I'll be moving my various funds over. Aggressive… M1 is only ideal for long term investors imo. May 5, 2022 · You can either build your own pie or use one of M1’s Expert pies. To address your question: Apex Clearing is M1's broker/custodian/clearing house. I love M1s expert pies, but they are frankly, limited. Hey everyone. Fidelity – Summary and Conclusion. 49K subscribers in the M1Finance community. M1 has these things called "Expert Pies" which are portfolios managed on your behalf just like your portfolio at Wealthfront. Mar 22, 2022 · M1 Finance provides Expert Pies that are pre-built portfolios available for you to invest in if you prefer not to choose your own investments. Advertise on Reddit; Shop Collectible Avatars; Get the Reddit app May 16, 2024 · Warren Buffett Portfolio ETF Pie for M1 Finance. Not sure about asset diversification or performance under different market conditions, but I suspect a similar result. 98 So overall it has underperformed comparable portfolios recently but there's not much difference at this level. Employers can also set up a 401(k) plan through Fidelity. Nov 27, 2022 · M1 Finance is an online trading platform offering investment pies, one-click rebalancing, and customizable portfolios. Log In / Sign Up Also, your first point is ridiculous. There's no reason you couldn't create yourself a simpler pie with VTI, VXUS, VNQ and BND and get 99. Betterment is "set it and forget it" because there is nothing more you can do. Some of the premade M1 pies are fantastic, and on top of that, M1 manages them and will change their investments based on the market, which most brokerages charge an arm and a leg for. M1 does have “expert pies” that organized based on strategy, time horizon and even tracking hedge funds’ portfolios. Does M re-do the pie to match? And if so. Here’s why: I’d never sell a stock in M1 prior to holding for at least 5 years, and the 25 stock in my pie I chose because I believe they are strong businesses who have illustrated strong value and/or growth capabilities and have had sound consistent earnings calls M1: The Finance Super App™. It would be fabulous if M1 created a facility to allow clients to build and name their own pies and then publish them on M1 for others to utilize. Just a quick reminder: many of the m1 Expert pies include K-1 reporting securities which are quite different from the 1099’s that most people are used to. Just deposited my first $100 into the following two pies, which were curated under the "Other Strategies" section of "Expert Pies. If you want to learn more about M1 Finance, check out our detailed M1 review here. Here's my take on improving the “Aggressive” Expert Pie. Hi this is my plan to retire early and live off dividends. What happens when the hedge fund files a new 13F with different positions. Those are annoying on tax day if it's not in an IRA of some type. View community ranking In the Top 5% of largest communities on Reddit. I go to Research / Expert Pies / Income Earners / Domestic Divided. So, when considering target date funds I did notice that there are different options for M1’s Retirement funds in the expert pies. Invest, borrow, spend & save with powerful automation—all in place. If you want more aggressive growth, you simply dial up stock exposure. 98%, 0. Posted by u/[Deleted Account] - 4 votes and 8 comments Hello! I (M, 28) am new to M1 Finance and investing in general. M1 is made for those looking… M1: The Finance Super App™. This… M1: The Finance Super App™. I haven't see other places offer anything quite like it. M1 is made for those looking to build their wealth using powerful automation and topflight rates. Jul 10, 2024 · Here’s a closer look at how M1 Model Portfolios work and which are the best Model Portfolios to consider for your portfolio. Auto Invest is turned off, so now I'm showing $250 Cash Balance. You can make Custom Pies or invest in pre-selected Model Portfolios. I am currently 100% VTI in my IRA account. As inconsistent as it sounds, I don't have the confidence in M1F's Target Date Expert Pies as I do in Betterment's glide path algorithm. VYM – Comparing Vanguard’s 2 Popular Dividend ETF’s; 8 Reasons Why I’m Not a Dividend Income Investor; QYLD – A Harsh Review; more… Brokers. Moreover, the Domestic Dividend pie is also just a dividend-oriented pie and is not necessarily a high-yield pie. One could imagine an incentive program in which clients are charged a performance based fee just like hedge funds, only much more modest. Both M1 Finance and Fidelity offer zero-commission trades and zero fees. Yes, M1 allows you to have a pie or pies filled with individual stocks/ETFs set to the percentages you want in each company or ETF. The M1 Hedge Funds pies follow the quarterly 13F filings that the hedge funds file with the SEC (each filing is publicly available thru SEC. Reddit iOS Reddit Android Reddit Premium About Reddit Advertise Blog Careers Press. They were just a cute idea. What this means for your account: Your Expert Pie will be automatically updated on February 6th, 2023. Plus, you have the ability to add complimentary ETFs and stocks. Should I go with aggressive & what year? Or am I better off in the long run looking into a different expert pie on M1? Thanks 👍 Posted by u/ClearlyAGoodIdea - No votes and 6 comments Jul 17, 2023 · Why Not M1's Dividend Expert Pies? M1 Finance already has some Expert Pies focused on dividends, so why use mine instead? Their “Bank Balance Sheet” pie is comprised of 70% mortgage-backed securities, 17% intermediate-term treasury bonds, and 13% municipal bonds. I am looking around for an Index Target Retirement Fund. Their “Global Dividend” Expert Pie simply adds some very-high-expense-ratio international dividend funds. 25% annual management fee! Posted by u/notajith - 1 vote and 3 comments Roth accounts are not taxable, just warning about using the the same M1 target date pie in taxable accounts. M1 updates the hedge fund expert pies, so if a holding is removed, it will also be removed from your portfolio. I have noticed that the allocations and pies of the expert pies for the retirement plans are different even with the same strategy Ie. Is a conservative, moderate or aggressive expert pie a better choice for someone in my situation. Hello! I have decided to move my Roth IRA from Betterment to M1 Finance. M1 will update expert pies for you automatically. As a result, M1 buys/sells to match the 13F filings and any realized gain is taxable in a taxable account. It allows you to choose from a set of pre-built portfolios and auto-invest or build your own portfolio from scratch with stocks and ETFs. You can narrow it down to “very aggressive” down to “very conservative”. I am considering investing in M1’s 2060 Moderate expert pie or investing in a 3 fund portfolio comprising of VTI, VXUS, and BND. Jul 17, 2024 · M1 Finance vs. I think M1's pie feature combined with smart transfers and competitive margin rates is pretty powerful and convenient for automation between all of your accounts. The 5 Best Stock Brokers; The 4 Best Investing Apps; M1 Finance Review Expand user menu Open settings menu. " They are: Domestic Growth Those hedge fund expert pies were based off old quarterly 13F filings and even if you thought you were investing like the hedge funds, you weren't able to analyze if they were short on any of their holdings. //m1. https://m1. These are a pain on tax day as they include instructions for particular lines to add/subtract amounts from. What is an M1 Pie? M1 is an investment app that offers pre-selected portfolios called “Pies. Conservative, Moderate & Aggressive. I want to create a Roth IRA account and my target retirement year is 2055. This is all great. Then buy div stocks at that point. I'm a new investor that just started testing the waters with M1 Finance. They are comprised of mostly – and in some cases entirely – low-cost Vanguard ETFs. Since then, I now have about 9% of my total portfolio at M1 Finance in a secondary taxable account. M1 taxable - Holdings tab as of 8/2/2021. Investing is a lot about your own asset allocation - everyone's is different. You can only invest at 2 set times of the day either 6:30 am or 12pm. How many pies can you have in M1 Finance? You can hold as many as 500 individual positions at M1 Finance. Why Use a Portfolio or M1 Pie Based Approach To Investing. My First Pie (created during the account setup) has $400 invested in it. 9% of the same returns as the expert pie (51/49/7/1% is essentially the same thing) or just adjust the percentages more to your M1 lets you earn, invest, spend, and borrow all on one financial platform. Expand user menu Open settings menu. Does M1 Finance offer this in there expert pies or am I better off with another broker such as Vanguard, Fidelity or Schwab for something like this? I am 27 so I would probably go with the Aggressive expert pie if this is the case. The Buy and Sell method others are promoting on YouTube has the chance of working, but it may also cause a taxable event and end up costing you. ” Each Pie is made up of slices. pies that are two-fund portfolios and the Target Date pies that are good for someone who prefers the simplicity of M1 doing everything for them without much concern for efficiency). I currently have 15% of my portfolio in the global fund and 5% in both medium and long term bonds Business, Economics, and Finance. I'm not sure if or how often the M1F TD pies are adjusted. I'm new to investing and M1 Finance. If I want to have a few different pies , do I need to deposit money into each pie? I deposited 200$ in the beginning but not sure if I can find other pies w the $ that is in the first pie I deposited into. 5K) and started with an expert pie (2025 aggressive). Until then, they're just a tax drag. 20 votes, 17 comments. finance/g8ZTw People who use M1 Finance for their Roth IRAs, what convinced you to stick with it rather than investing with a brick and mortar brokerage firm? I used Fidelity for my 2020 Roth IRA but was inclined to switch to M1 Finance for 2021 (currently investing in target-date funds and FZROX) due to the simplicity of the app and the expert pies it offers. This unofficial subreddit is a good place to ask questions about using the app, discuss developments, and share ideas with other investors. 21) Have a warning about K-1 reporting securities and have expert pies that don’t include them. Due to the 100 holdings limit and M1 stock availability etc, the expert pie may not capture 100% of a hedge fund’s positions. M1 Expert Pies . M1: The Finance Super App™. "M1" refers to M1 Holdings Inc. M1 does have target date expert pies that theoretically will be automatically adjusted over time. Betterment first, then M1 Finance. I have about 12k in a Roth IRA and was wondering how best to organize my pie for… Nov 17, 2023 · The Fidelity basket version has the equivalent of a $60 annual fee, the M1 pie version is free unless you open a M1 Plus account which has a $125 annual fee. Regarding Hedge Fund Expert Pies: So I’m wondering if anyone has used just the expert pies alone and seen good/bad results? I ask because I’ve been wanting to open up an account and use the Income Earners section and would like to build a pie that includes both domestic dividend and global dividend pies. M1 Finance got rid of them. I wanted to know if it is smart to make a Pie with mostly Expert Pies and how good are they? My current Pie has 3 Expert Pies and 2 stocks (34 holdings together). ” The list of M1’s expert portfolios are organized by category: M1 Finance, LLC does not charge commission, trading M1: The Finance Super App™. M1 Finance is a great choice of broker to implement the Warren Buffett ETF Portfolio because it makes regular rebalancing seamless and easy with one click, has zero transaction fees, and incorporates dynamic rebalancing for new deposits. Just started with m1. 48K subscribers in the M1Finance community. Most of the expert pies are just target date funds without the label. This… M1 is a technology company offering a range of financial products and services. M1 taxable My Roth is strictly the m1 2055 aggressive retirement pie, this one is a taxable account meant to invest in companies I understand to some degree, with the m1 domestic and global growth pies thrown in at 20%each for diversification. I got on on the 13th as a heads up that changes would be happening to my expert pie "Quarterly updates to your Expert Pie Hi _, Your Hedge Fund Followers Expert Pie will automatically rebalance on Monday, November 16. M1: The Finance Super App™. Crypto M1: The Finance Super App™. I am contributing $500 per month ($250 bi-weekly). “Every year we review the holdings in your Expert Pie to ensure it is up to date and meeting its declared objective. This unofficial subreddit is a good place to ask questions about the app, discuss developments, and share ideas with others. If you use one of the Expert Pies that are hedge funds based on the latest 13F. A list of popular "Lazy Portfolios," with links to my brief analysis/review of each and their corresponding pie of ETFs to use with M1 Finance. This… You won't go wrong for most expert pies that cover multiple asset classes. Mar 22, 2022 · Their category of “General Investing” Expert Pies allow you to select a portfolio for broad market exposure based on risk tolerance. I share all of my email discussion with M1 Finance staff and go over exactly how you are to move stocks into a pie that are already in your portfolio. 21) Please add DRIP 22) “The ability to work with PLAID while keeping 2FA would be absolutely amazing, it’s the only thing that keeps me from using M1 for everything. I understand this is a very rational and effective approach, but I don't understand why more people aren't making their own personal etfs on M1finance. 4 asset classes: US stocks, International stocks, US bonds, International bonds. Past performance does not guarantee future performance. Any help would be great After having most of my investment funds in Betterment and Robinhood, I've decided to give M1 Finance a try and see how I like it. Log In / Sign Up M1: The Finance Super App™. M1 Finance is best for: Passive investors; DIY investors; Socially-responsible investors M1 Expert Pies are largely marketing with only very few exceptions (Mostly the basic 90/10 80/20 etc. These are comprised of low-cost Vanguard ETF's. Mar 22, 2022 · The Best M1 Finance Dividend Pie; The 11 Best Dividend ETFs; The Best Vanguard Dividend Funds – 4 Popular ETFs; VIG vs. My main question is how often are M1 Finance's pre-made "expert" pies such as the hedge-fund followers like Berkshire and Coatue updated to resemble updates to these firms' actual portfolios. Because it's boring to recommend a total market approach, and these supposed "experts" are trying to get clicks. I use the standard Dividend Growth Pie from the expert pie section Edit: yeah, to hell with that one year 70% return, right Mr. M1 is… I want to have an M1 pie with a date of 2045 pre retirement which I would add $200 a month to for the next 25 years. You could also build your own pie based on any of those as guides, and see how the different types of funds do over time, and adjust to your own preferences. do they sell / buy whatever was added / dumped. Even more of a stripped-down "lazy portfolio" would be one of the M1 expert pies in the "Just Stocks & Bonds" section. , and its wholly-owned, separate affiliates M1 Finance LLC, M1 Spend LLC, and M1 Digital LLC. . Option 2: Choose M1 finance and DIY the portfolio (Using the Expert Pies) and tax loss harvesting (which I am willing to do). I am new to M1 (opened Jan 2022 with only $2. I prefer having full control of when I want to create taxable events. It can be made up of stocks, bonds, and funds. I thought about putting my house money into one of M1’s Income Earners expert pies, but based on comments here that seems needlessly risky as for the rest of my money I can set aside, I’m leaning toward an aggressive approach; my thought is my Vanguard IRA and work retirement can cushion me in case an super aggressive strategy doesn’t pan Posted by u/[Deleted Account] - 3 votes and 13 comments When is M1 Finance coming out with more expert pies? They have a good amount of options now, but more would be better. Or just use the beauty of M1 and set up an auto-withdraw and create your own "dividend. We get to these later. This may result in some buy and sell orders during the next trade window to bring your Expert Pie to its new allocations. kuabvi fibift pnjemw lyvz aff tste omf qvpjw mycnon niyml