Two Different Products
Comparing M1 and AllInvestView is like comparing a bank to a financial dashboard — they overlap, but aren't replacements for each other.
M1 Finance
US brokerage with automated rebalancing via custom "Pies" allocation, fractional shares, and commission-free trading. Custodies your assets and executes trades.
AllInvestView
FeaturedMulti-broker portfolio tracker that aggregates holdings from 30+ brokers via read-only sync. Adds bonds with QuantLib, options Greeks, tax reports for 12+ countries, and AI assistant.
Evaluating M1 Finance
M1's signature feature is "Pies" — a target-allocation-as-portfolio model where you set percentages and M1 buys fractional shares to maintain those weights automatically.
Where M1 Finance Works Well
- Commission-free trading with fractional shares
- Automated rebalancing via Pies allocation model
- Customizable portfolio templates from M1 community
- Combined banking, investing, borrowing in one app
- Free basic plan with most core features
Where M1 Finance Falls Short
- US-only — not available outside the United States
- Only tracks M1's own custodied accounts — no aggregation from other brokers
- Limited research and analytics tools
- No options trading or options Greeks
- No bond yield-to-maturity or duration calculations
- No formal capital gains tax reports for international investors
- Trading is windowed (specific times of day) on free plan
Evaluating AllInvestView
AllInvestView complements M1 (or replaces it for non-US users) with multi-broker aggregation and the analytics M1 doesn't provide.
- Multi-broker sync: 30+ brokerages via SnapTrade including Interactive Brokers, Schwab, Fidelity, Robinhood, Trading 212, DEGIRO, Questrade, Wealthsimple, Trade Republic, Revolut. Read-only nightly auto-sync.
- Tax reports across borders: 12 country presets (US, UK, Germany, Spain, France, Italy, Canada, Australia, Ireland, Sweden, Denmark, Switzerland) plus configurable rules for any other jurisdiction.
- Bond mathematics: QuantLib YTM, modified duration, convexity, accrued interest, bond ladder.
- Options Greeks: Delta, Gamma, Theta, Vega, Rho. Multi-leg payoff diagrams.
- Multi-currency: Native currency per holding, historical FX at trade date for accurate tax cost basis.
- Advanced analytics: Monte Carlo simulation, Efficient Frontier, Value at Risk, Sharpe/Sortino, benchmark comparison.
- AI portfolio assistant: natural-language queries about your holdings.
- Lifetime payment option: $447 one-time, no recurring fees.
Geographic Coverage
M1 Finance: US residents only. The brokerage operates under US regulation; non-US users cannot open accounts.
AllInvestView: Global — 30+ broker integrations across US, UK, Europe (DEGIRO, Trading 212, Trade Republic, Revolut, comdirect, Saxo, ING), Canada (Questrade, Wealthsimple), Australia (SelfWealth, Stake), Asia. Available in 9 languages.
Asset Coverage
- Stocks & ETFs: Both support, M1 with fractional shares for trading; AllInvestView with global exchange coverage for tracking.
- Bonds: M1 offers limited fixed income via select bond ETFs. AllInvestView tracks individual bonds with full QuantLib analytics.
- Options: M1 does not support options trading. AllInvestView tracks options with real-time Greeks and strategy P&L.
- Crypto: M1 has no crypto support. AllInvestView tracks major cryptocurrencies natively.
- Real estate, custom assets: Not supported by M1. AllInvestView tracks property with rental income, cap rate, NOI; plus custom assets like collectibles or private equity.
Analytics Depth
M1 provides basic portfolio metrics: allocation pie, performance, dividend income. AllInvestView adds:
- Monte Carlo simulation for retirement / goal planning
- Efficient Frontier (Markowitz mean-variance optimization)
- Value at Risk (VaR) calculations
- Correlation matrix and diversification heatmap
- Sharpe Ratio, Sortino Ratio, Alpha, Beta vs benchmark
- Benchmark comparison per holding (vs SPY, VOO, QQQ, custom)
- Dividend calendar with monthly/annual income projections
- AI assistant for natural-language portfolio questions
Feature Grid
| Capability | M1 Finance | AllInvestView |
|---|---|---|
| Stock and ETF tracking | ||
| Custodies assets / executes trades | ||
| Automated rebalancing (executes trades) | ||
| Multi-broker aggregation | ||
| Available outside US | ||
| Multi-currency tracking | ||
| Capital gains tax reports (12+ countries) | ||
| Bond yield calculations (YTM, duration) | ||
| Options with Greeks | ||
| Crypto tracking | ||
| Real estate analytics | ||
| AI portfolio assistant | ||
| Fractional shares (trading) | ||
| Lifetime payment option |
You can use both: Many M1 users keep their primary trading account at M1 (for the Pies + fractional shares + automated rebalancing) and add AllInvestView for cross-broker analytics, tax reports, and tracking holdings outside M1 (401k, crypto exchanges, international brokers).
Track M1 Plus All Your Other Accounts in One Place
AllInvestView aggregates holdings from M1 (via CSV import) plus 30+ other brokers (auto-sync), with tax reports, options Greeks, bond analytics, and AI assistant on top.
Making Your Choice
M1 Finance makes sense when:
- You're a US resident wanting an integrated brokerage with automated rebalancing
- The Pies model fits your investing style (target allocations + fractional shares)
- You want commission-free trading with banking and borrowing combined
- Your portfolio is concentrated in M1 with no significant external accounts
AllInvestView makes sense when:
- You hold accounts at multiple brokers (M1 + Schwab + IBKR + ...)
- You're outside the US or want non-US broker support
- You need formal capital gains tax reports for any jurisdiction
- You trade bonds, options, or hold crypto and real estate
- You want advanced analytics (Monte Carlo, Efficient Frontier, AI assistant)
- You want a one-time Lifetime Deal instead of recurring fees
Questions Answered
Is AllInvestView a brokerage like M1 Finance?
No. AllInvestView is a portfolio tracking and analytics platform. It connects to your existing brokers (read-only via SnapTrade) to aggregate and analyze holdings, but does not custody assets or execute trades. M1 is a US brokerage that holds assets and executes trades.
Can I track my M1 Finance account in AllInvestView?
Not via auto-sync — M1 isn't currently supported by SnapTrade. You can still track M1 holdings by exporting activity as CSV and importing via Magic Import, which gives you full analytics, tax reporting, and dividend tracking on top.
Does M1 Finance work outside the United States?
No. M1 Finance is US-only. AllInvestView supports investors globally with broker integrations across US, UK, Europe, Canada, Australia, and Asia.
M1 Finance alternative for non-US investors?
Since M1 is US-only, non-US investors cannot use it directly. AllInvestView is purpose-built for global investors with multi-broker support and tax reports for 12+ jurisdictions including the UK, Germany, Spain, France, Italy, Canada, Australia.
Does AllInvestView have automated rebalancing like M1?
AllInvestView shows allocation drift versus your target weights and recommends specific rebalancing trades, but it does not execute trades (it's a tracker, not a broker). You execute the trades manually in your broker's interface.
What's M1 Plus and is it worth it?
M1 Plus is M1's $125/year premium tier with perks like high-yield checking, lower margin rates, and additional trading windows — brokerage-side upgrades, not analytics. AllInvestView Advanced ($102/year) covers tracking-side capabilities M1 doesn't include: tax reports for 12+ countries, options Greeks, bond YTM, AI assistant.
