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Opening your account FAQs

Opening your account

Frequently asked questions

Getting started

What is You Invest Portfolios?

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You Invest Portfolios provides you a portfolio designed and managed by J.P. Morgan. You’ll answer a few quick questions about your goals, time horizon and risk tolerance, and we’ll match you to a portfolio to help you meet those goals. You can start investing with just $2,500, and once you’ve funded your portfolio and set up recurring transfers, you can relax and we'll keep you on track. 

 

Learn more about what you can do with You Invest Portfolios.

What is You Invest Trade?

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A You Invest Trade brokerage account lets you trade stocks, bonds, mutual funds and exchange-traded funds (ETFs) online on your own. Learn more about what you can do with You Invest Trade.

 

See our step-by-step guide on how to open an account (PDF).

How are You Invest Trade and You Invest Portfolios different?

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You Invest Trade gives you full control to manage your investments on your own, while You Invest Portfolios gives you a portfolio aligned to you and your goals, managed by professionals at J.P. Morgan.

 

You Invest Trade: Lets you research and trade on your own with access to digital tools, education, and thousands of investments. You can get started with as little as $1, and you get 100 or more commission-free online stock and ETF trades for the first year. When it comes to ongoing management of your investments, you maintain full control.  

 

You Invest Portfolios: Provides you a portfolio designed and managed by J.P. Morgan. You’ll answer a few quick questions about your goals, time horizon and risk tolerance, and we’ll match you to a portfolio to help you meet those goals. You can start investing with just $2,500, and once you’ve funded your portfolio and set up recurring transfers, you can relax and we'll keep you on track. 

Who can open a You Invest account?

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To open a You Invest account, you need to be at least 18 years old and have a valid Social Security number and U.S. home address. We may also ask you for your valid driver's license or state-issued ID. Apply now.

What types of You Invest accounts are there?

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You Invest offers 2 different ways to get invested. You Invest Trade is a brokerage account which gives you full control to manage your investments on your own, while You Invest Portfolios 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. Non-retirement accounts can also be opened as joint accounts. 

 

You Invest Trade: Lets you research and trade on your own with access to digital tools, education and thousands of investments. You can get started with as little as $1, and you get 100 or more commission-free online stock and ETF trades for the first year. When it comes to ongoing management of your investments, you maintain full control.  

 

You Invest Portfolios: Provides you 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 to help you meet those goals. You can begin investing with just $2,500, and once you’ve funded your portfolio and set up repeating transfers, you can relax and we'll keep you on track. 

What are the fees and commissions associated with a You Invest Trade account?

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You can learn more about the fees and commissions associated with a You Invest Trade account here.

What is the management fee for a You Invest Portfolios account? 

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You Invest Portfolios charges 0.35% of the account balance per year. 

 

See more information about pricing here

Do I need a minimum amount to open a You Invest account?

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You can open a You Invest Trade account and start trading with as little as $1. Apply now.

 

To open a You Invest Portfolios account, you need to deposit at least $2,500 so we can create a diversified portfolio that fits your goals. Apply now.

Can I open a joint You Invest account online?

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Yes, we offer joint You Invest accounts, shared by two individuals. You Invest offers three types of joint accounts: 

 

Joint Tenants with Rights of Survivorship (JTWROS): The most common account type. Both you and co-applicant have equal interest in account assets. If an account holder dies, the ownership of the assets is retained by the surviving joint owner. This account is not available to Louisiana residents. 

 

Joint Tenants in Common (TIC): Those on this account have equal interest in account assets. If an account holder dies, their share of the assets will be inherited by their estate or beneficiary while the surviving tenant will continue to own their share. 

 

Joint with Community Property (CP): An account for married couples. You and co-applicant have equal interest in account assets. If an account holder dies, their assets will be inherited by their estate or beneficiary depending on the law of their home state. This account is available in Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Texas, Washington and Wisconsin. 

 

See our step-by-step guide on how to open a joint You Invest account.

When opening a You Invest joint account, can my co-applicant and I use the same username and password?

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No, each individual needs their own separate Chase profile to open a You Invest joint account. You can set up a chase.com profile here.  

 

If you’d like help retrieving your profile information, please call us at 1-800-392-5749, Monday–Friday from 8 AM to 9 PM ET and Saturday from 9 AM to 5 PM ET. 

 

I stopped halfway through my application for a You Invest account. Was my progress saved? 

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We save your application for several days. To continue working on your application, open the menu in the top left corner of your Chase dashboard. Under ‘Explore Products’, choose ‘Application status’, then choose ‘See your pending investment account applications’ to see your Application Status page.

I didn't get an email saying that my application for a You Invest account was submitted. Did my application go through?

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First, open the menu in the top left corner of your Chase dashboard. Under ‘Explore Products’, choose ‘Application status’, then choose ‘See your pending investment account applications’ to see your Application Status page. If your application is not on the Application Status page and you haven’t received a submission email, then there may have been an error. If you need help, call us at 1-800-392-5749, Monday–Friday from 8 AM to 9 PM and Saturday from 9 AM to 5 PM ET, and tell us this code: NCSC-1014. 

What is an individual retirement account (IRA)?

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An individual retirement account (IRA) is intended to hold assets for your retirement. 

 

There are 2 types of IRAs: traditional and Roth. They have different tax benefits and different rules.

 

Apply to open a You Invest Trade IRA here

Apply to open a You Invest Portfolios IRA here

 

To open an IRA with a J.P. Morgan advisor, please go to your local Chase branch.

 

You can learn more about IRAs here.

If I have a Chase Business account, can I open a You Invest account?

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You Invest accounts can only be opened as personal accounts.

 

You can open a You Invest account here

 

If you have questions, you can call us at 1-800-392-5749, Monday–Friday from 8 AM to 9 PM ET and Saturday from 9 AM to 5 PM ET.

How long does it take to open a You Invest account?

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We’ll review your application within 1 business day and will reach out if we have any questions. You’ll get an email letting you know when your account is open.

Who can I call if I still have questions about You Invest accounts?

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If you have questions about your You Invest Trade account, please call us at 1-800-392-5749, Monday–Friday from 8 AM to 9 PM and Saturday 9 AM to 5 PM ET.

 

For questions about your You Invest Portfolios account, please call us at 1-800-776-6061, Monday–Friday from 8 AM to 9 PM and Saturday 9 AM to 5 PM ET.

Where can I find more information on investment accounts?

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You can learn more about J.P. Morgan investment products here.

 

To open a You Invest account online, apply here

 

You can also go to a Chase branch and speak with a J.P. Morgan advisor about our investment products.