J.P. Morgan Self-Directed Investing

Overview

J.P. Morgan Self-Directed Investing is the brokerage platform fully integrated into the Chase banking ecosystem. It is designed primarily for convenience, allowing existing Chase customers to manage their checking, savings, credit cards, and investments all in one place. While it lacks the advanced technical tools of dedicated trading platforms, it offers a solid, trustworthy foundation for "buy and hold" investors who prioritize simplicity and banking integration over complex analysis.

Key Specifications

Trading Platforms

1. Chase Mobile App

The investing experience lives inside the standard Chase Mobile app. There is no separate "trading" app to download. This is a major pro for simplicity—you can transfer money from your checking account and buy a stock in seconds—but a con for features, as the interface is quite basic compared to standalone brokers.

2. Chase.com (Web)

The web portal offers slightly more research tools than the app, including the "Portfolio Builder" tool which helps you select an asset allocation. However, it does not offer real-time streaming data or advanced charting packages.

Investment Features

• Research: Clients get access to J.P. Morgan's proprietary research and market insights, which are highly respected in the institutional world.
• Fixed Income: Competitive pricing for bonds, with $0 secondary trades for U.S. Treasuries.
• Portfolio Builder: A guided tool that helps beginners construct a diversified portfolio based on their risk tolerance and goals.
• Limitations: It does not support futures, crypto, or forex trading. The fractional share program is also more limited than Fidelity's, restricted mainly to major index components (S&P 500 and Nasdaq 100).

Account Types

J.P. Morgan supports the standard array of personal accounts:

• Individual General Investment
• Traditional & Roth IRAs
• Joint Tenants (Rights of Survivorship)
• Custodial (UTMA/UGMA) - Note: Limited availability online