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YOU INVEST SM by J.P. MORGAN

Powered by us, for you

You Invest Portfolios are designed and managed with the expertise and technology of J.P. Morgan to help keep your investments on track.

It all starts with you

Based on your preferences, we’ll match you with a portfolio that’s right for where you are now and where you’re headed.

Your risk profile

Answer a few questions about the kind of investor you are.

Your goals

Tell us about your investment goals.

Your time horizon

Let us know when you would like to reach your goals.

Our experts will handle the work

Your portfolio will be made up of a diverse mix of J.P. Morgan ETFs and cash, designed and managed using the extensive research and investment experience of J.P. Morgan.

Your portfolio gives you exposure to stocks (equities), bonds (fixed income) and cash. Each position in your portfolio has a specific intent to help you reach your goals:

 

Seek Higher Returns

The growth driver in your portfolio comes from investments with higher risk but potentially higher reward.

 

Seek Income and Stability

The income and stability in your portfolio comes from investments that typically have less risk and volatility than equities.

You get a diversified portfolio

The portfolios—with risk profiles ranging from conservative to aggressive—are built with a mix of J.P. Morgan ETFs and cash, and seek to manage risk and maximize returns based on your needs. Portfolios that use our glide path strategy will automatically adjust these allocations over time.

Conservative
  • ~ 75% Fixed Income and Cash
  • ~ 25% US and International Equities
Moderate
  • ~ 50% Fixed Income and Cash
  • ~ 50% US and International Equities
Growth
  • ~ 25% Fixed Income and Cash
  • ~ 75% US and International Equities
Aggressive
  • ~ 10% Fixed Income and Cash
  • ~ 90% US and International Equities

Our tech keeps you on track

J.P. Morgan’s investment team watches market events, trends and industry news—everything that can affect your investments. And our technology adjusts your portfolio over time to help keep you on track.

 Napkins finance: Glide into retirement videoOpens Overlay

More living, less stressing

Invest for retirement with a portfolio strategy that aims to reduce your exposure to risk as you age, commonly known as a glide path. Our approach not only takes your individual risk tolerance and retirement date into account, but also your current age, to help protect your assets for when you’ll need them most.

Portfolios FAQs

How does You Invest Portfolios technology keep me on track?

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After you add funds into your You Invest Portfolios account, you can sit back and relax. We'll keep your portfolio on track by “rebalancing” for you. Rebalancing is important because when markets rise and fall, the value of the investments in your portfolio increase and decrease. Over time, shifting markets can send your portfolio and targeted risk level off course. When we rebalance your portfolio, we sell a portion of your appreciated investments and buy more of your depreciated investments to help restore the appropriate mix of risk and keep you on track to meet your goals.

What is a glide path?

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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. Getting invested in a portfolio that uses a glide path strategy is a popular way to stay on track for long-term goals, like retirement. A common type of investment that uses glide path is a target-date fund.

 

Learn more about glide path here.

What are stocks (equities)?

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When you own a stock, you essentially own a piece of a company, also called a share. As a shareholder, you're entitled (among other things) to share in the company's earnings if they're paid out in the form of dividends. Stocks are also known as equities. Stocks can provide you with higher return potential although they carry more risk relative to other types of investments.

 

Your You Invest Portfolio provides you exposure to a diverse set of stocks through ETFs. This may include exposure to stocks of different sizes; such as mid cap and large cap; sectors, such as healthcare and technology; and geographies, such as U.S., developed international, and emerging markets.

What are bonds (fixed income)?

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When you own a bond, you essentially are providing a loan to an entity such as a company, municipality, or other government body. In exchange for the loan, that entity promises to repay the full amount of the loan at a specific date and usually provides regular payments of interest along the way. Bonds are also known as fixed income. Bonds can provide you with a relatively stable income stream.

What is an ETF?

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An Exchange-Traded Fund (ETF) provides exposure to stocks, bonds, commodities or other investments. ETFs pool the money from many investors to purchase securities. An ETF trades like a stock on an exchange, such as the New York Stock Exchange (NYSE), and experiences price changes throughout the day as it is bought and sold. ETFs may hold hundreds, if not thousands of securities. This may provide broader diversification benefits than just holding a handful of stocks and bonds.

Why does my portfolio include cash?

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Cash can help protect you during drawdowns, while still offering some income.

Questions?

Check out our FAQs to learn more about pricing and funding options.