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You Invest Portfolios FAQs

J.P. Morgan Automated Investing

Frequently asked questions

Overview & Pricing

When you open a J.P. Morgan Automated Investing account, you get a portfolio designed and managed by J.P. Morgan. Just answer a few quick questions about your goals, time horizon and risk tolerance, and we’ll match you to a portfolio based on those assumptions. You can start investing with just $500. 

You Invest offers two different ways to get invested. J.P. Morgan Self-Directed Investing is a brokerage account which gives you full control to manage your investments on your own, while J.P. Morgan Automated Investing is a managed account that gives you a portfolio aligned to you and your goals, managed by professionals at J.P. Morgan.

 

Both options offer retirement (traditional and Roth IRA) accounts and non-retirement accounts.

J.P. Morgan Automated Investing charges 0.35% of the account balance per year. 

 

See more information about pricing here

You need at least $500 to open an account, so we can create a diversified portfolio that fits your goals, time horizon and risk profile.

In order for us to be able to continuously manage your portfolio, you need to keep at least $250 in your account at all times.

We’ll alert you by email if your balance falls below $300.

Yes, the $500 account minimum applies to all J.P. Morgan Automated Investing accounts, including IRAs.

You can’t contribute more than the maximum limit across all your IRA accounts in a single tax year. 

 

If you’ve already reached your contribution limit for this year, you can meet the You Invest Portfolios account minimum by rolling over an existing IRA

Yes, you can transfer an external investment account (either the entire account or particular securities) to your J.P. Morgan Automated Investing account. We’ll sell transferred securities for cash to invest into your account. The sale of these securities could result in redemption charges and/or create a taxable event. If a security cannot be sold off, it will need to be moved to a J.P. Morgan Self-Directed Investing or other brokerage account.

Financial profile

Your risk tolerance is a measure of how much investment risk you’re comfortable accepting in your portfolio. Risk tolerance is based on several factors, such as your goals and how you might respond to ups and downs in your portfolio.  Additionally, the amount of time you have to reach those goals should also be taken into consideration. For example, if you have a long time to reach a goal—like 20 years— you may have a greater appetite for risk. If you have less time to reach your goals, your appetite for risk may be lower and you may want to reconsider your investment options. When you open a You Invest Portfolios account, we'll assist you in understanding your risk tolerance.

There are four You Invest Portfolios risk profiles. Based on how you answer the questionnaire, we’ll recommend a portfolio aligned to one of them: Conservative, Moderate, Growth or Aggressive.

 

If you want a different portfolio, you can adjust your risk profile up or down one level. If you want to adjust it more than one level, you’ll need to retake the questionnaire.

Yes, once you’ve funded the account, you can change your risk profile. Just go to your Account Summary or Financial Profile page and retake the questionnaire. You can adjust your profile once every 30 days.

To see your investment proposal summary, open the Main Menu and choose “Statements & documents,” then “Investment documents.”

Portfolio management

Rebalancing means adjusting your portfolio to stay on track for reaching your goals. Over time, shifting markets and transfers into or out of your account can send your portfolio and targeted risk level off course. J.P. Morgan’s portfolio management team rebalances your portfolio for you while you get on with the rest of your life.

 

To learn more about rebalancing, check out this article.

Your J.P. Morgan Automated Investing account contains a selection of J.P. Morgan exchange-traded funds (ETFs) aligned with your risk profile, time horizon, and objectives. An ETF is a mix of stocks, bonds and alternative securities that’s bought and sold on an exchange. One ETF may hold hundreds of securities, helping to diversify your portfolio and reduce risk.

Because your J.P. Morgan Automated Investing is a managed account, you can't buy or sell individual securities. 

 

If there are specific funds you prefer not to own, you can exclude up to 3 eligible ETFs. 

 

When you exclude an ETF, we won’t buy it for your account. If your portfolio already holds shares, we’ll sell them and use the proceeds to buy an equivalent ETF (determined by the management team). You can choose an exclusion when you open your account, or go to your settings to update your choices. 

Once you have funded your account, we’ll start buying ETFs that fit your profile. Your portfolio will generally be invested within 3 business days, but it may take another business day for you to see trades in your account activity. Keep in mind that there needs to be at least $500 in your account before it can begin trading.

Our technology tracks your portfolio daily, adjusting allocations to keep your investing strategy on track. We may rebalance your account in situations such as:

 

  • If market fluctuations pull your portfolio outside the range that the portfolio manager chose for your profile;
  • If you make a deposit or withdrawal that causes your portfolio to go outside the tolerance range;
  • If you update your risk profile in a way that affects your portfolio allocation;
  • If a portfolio manager decides to make adjustments to your portfolio allocation or holdings based on the market environment.

Glide path

A glide path is an asset allocation strategy that adjusts the mix of investments you hold over time, aiming to reduce your exposure to riskier investments as you age.
 

Learn more about glide path here.

A glide path strategy can be a great approach for longer-term goals—like retirement—as it seeks to grow your investments early on, and to help protect those assets as you near retirement. In doing so, a glide path automatically adjusts your allocations over time, reducing the need for you to make significant changes to your portfolio—or decide the timing of those changes.

Investors with a "Retirement" investment purpose, an investment time horizon of more than 10 years and a Moderate, Growth or Aggressive risk profile will be automatically assigned to a glide path strategy.

A glide path strategy sets out a route for your portfolio, adjusting the amount of risk you take over time—shifting from riskier, higher-growth investments when you're younger, to lower-risk, income-producing investments as you age. Every year, based on your initial funding date, you will progress through the glide path, which may lead to small shifts in your target allocation until you reach your designated retirement date.

The glide path strategy is based on your selected investment purpose, time horizon and risk profile. If you're eligible for glide path based on your responses, you won't be able to opt out of glide path without updating your responses. Once your account is open, your investment purpose cannot be changed, although you're able to update your risk profile and time horizon. To change your investment purpose, you would have to establish a new account and transfer assets from your existing account.

Once you reach retirement, we will continue to manage your portfolio based on the final year allocation of your glide path strategy.

Like the more fixed portfolios, portfolios with a glide path strategy are subject to the risks associated with the underlying ETFs in which they invest. A portfolio with a glide path strategy adjusts its assets from being more aggressive to more conservative as you get closer to your designated retirement date. As with any investment strategy, a glide path strategy isn't guaranteed to meet your investment objectives and involves risk, including a possible loss of principal.

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