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You Invest Portfolios FAQs

You Invest Portfolios

Frequently asked questions

Overview & Pricing

What is a You Invest Portfolios account? 

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When you open a You Invest Portfolios 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 $2,500. 

What’s the difference between You Invest Trade and You Invest Portfolios?

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You Invest Trade is a brokerage account which gives you full control to manage your investments on your own, while You Invest Portfolios is an advisory account, which gives you a portfolio aligned to you and your goals and is 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, with 100 or more commission-free online stock and ETF trades for the first year. When it comes to managing your investments, you’re always in 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 based on those assumptions. You can begin investing with just $2,500. 

 

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

What’s the minimum amount to open a You Invest Portfolios account?

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You need at least $2,500 to open an account, so we can create a diversified portfolio that fits your goals, time horizon and risk profile.

Once I open my You Invest Portfolios account, what’s the minimum amount I need to keep in it?

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In order for us to be able to continuously manage your portfolio, you need to keep at least $2,000 in your account at all times.

Will I be notified if my account balance falls below $2,500?

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We’ll alert you by email if your balance falls below $2,125.

Does the account minimum for You Invest Portfolios accounts apply to IRAs? 

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Yes, the $2,500 account minimum applies to all You Invest Portfolios accounts, including IRAs.

How can I meet the account minimum if I've already reached the IRS contribution limit for this year? 

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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

Can I transfer my non-Chase investment account to a You Invest Portfolios account?

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Yes, you can transfer an external investment account to your You Invest account. If you have securities that aren’t in the You Invest Portfolios model, we’ll sell them for cash to invest into your account, or ask you to transfer them to a You Invest Trade or other brokerage account. The sale of these securities could create a taxable event.

Financial profile

What does “risk tolerance” mean?

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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.

How many risk profiles are there?

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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.

Can I change my risk profile after I’ve answered the questionnaire?

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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.

How can I see my responses to the investment proposal summary questionnaire?

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

Portfolio management

What does “rebalancing” mean? 

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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.

What securities are in my portfolio?

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Your You Invest Portfolios 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.

Can I sell a security in my You Invest Portfolios account?

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Because your You Invest Portfolio 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. 

When will my You Invest Portfolios account be invested? 

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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 $2,500 in your account before it can begin trading.

Why does my You Invest Portfolios account rebalance?

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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.