What is a Trade Window?

The trade window is the window of time each weekday when M1 makes all trades for user accounts. M1's trade window benefits users because it helps keep M1's management fees low since M1 is only trading one time or two times per day, depending on whether you are eligible to trade in the second window. M1 is a long term investing vehicle, not a trading platform, so timing of trades is less important.

Morning Trade Window

M1's morning trade window begins at 9:30am EST everyday the NYSE market is open and will run until all orders have been completed. All M1 Finance customers have access to the morning trade window.

Changes to your portfolio made before 9:30am EST on days that the NYSE is open are generally executed that same day during M1's morning trade window. Accounts that trade will see updates after the trade window has closed.

Afternoon Trade Window

This new trade window, exclusively for M1 customers who are M1 Plus members, begins at 3pm EST. Customers with standard M1 Finance accounts will continue to trade during the morning trade window at 9:30am EST.

Why we created the Afternoon Trade Window

  • A second trade window can help customers have more control over their investments by having another opportunity to make changes 
  • Make a deposit and have it invested before the market closes
  • Take action that aligns with your investing strategy when the market moves and you want to adjust your investments before the markets close that end of the day.
  • Provides more time for customers in Western U.S.

When you can use the Afternoon Trade Window

The afternoon trade window is exclusively available to M1 Plus members. Find out more about M1 Plus here.

  1. M1 Plus members with an account equity of $25,000 or more in their accounts may trade during both windows.
  2. M1 Plus members with an account equity of less than $25,000 in their accounts may trade during either trade window.
  3. Those with standard M1 Finance accounts continue to trade during our morning trade window at 9:30am EST.

Why these restrictions? The M1 Team is mindful of the rules that govern trading markets and in order to make this feature available, we included these restrictions so our customers do not inadvertently run afoul of FINRA’s Pattern Day Trading rules.

Note: The $25,000 rule is based on a per-account level, not how much you have in aggregate on the M1 Platform. 

For example:

You have 3 Invest accounts with M1 with the following amounts. Below is their eligibility to trade in both the morning and afternoon trade window.

Account Type


Trade Two Times Per Day Eligibility

Roth IRA






Traditional IRA




Even though 2 out of the 3 accounts are above the $25,000 limit – this customer still won’t be able to trade during the morning and afternoon window with their Roth IRA, though this M1 Plus member has the ability to trade during the morning or the afternoon window.

How deposits work with the Afternoon Trade Window


Trading window graphics showing M1 Basic vs. M1 Plus

Note: If you have less than $25,000 and traded during the 9:30am trade window – you will not trade until the following day.

Where can I find more information about when my account will trade?

You can easily find information on the next trade window available to you inside the M1 app. On mobile, swipe up on your drawer at the bottom of the Portfolio screen to see your eligibility and when your orders will go through. The below screenshots are for users located within the CT time zone.


M1 Finance mobile screen showing portfolio on Invest tab and trading windows


On the web dashboard, you can find this information directly below your Pie.

M1 Finance web account screen showing portfolio on Invest tab

**All images are for illustrative purposes only


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