An exchange-traded fund (ETF) is a basket of investments that grows an investor's portfolio quickly, with low risk.

ETFs track the performance of an underlying market index, such as the S&P 500. Investors don't own individual stocks. Instead, ETFs provide them with the opportunity to buy and sell shares of the ETF on an exchange and to benefit from potential market performance.

How do you start investing in ETFs?

You can open a brokerage account and select J.P. Morgan's Self-Directed Investing tool or our robo-advisor option. If you prefer a more personalized experience, you can work directly with a J.P. Morgan Advisor to go over your investment options. Get started here .

Do ETFs have investment fees?

ETFs have fees but they tend to cost less than those associated with mutual funds. ETFs have fees but they tend to cost less than those associated with mutual funds. The two most common costs associated with ETFs are the expense ratio, the fee that goes to the fund, and the brokerage fee, a flat cost per trade that goes to the financial institution. However, J.P. Morgan offers unlimited commission-free trades, so you'll never have to pay a brokerage fee.

Is investing in ETFs tax-efficient?

ETFs tend to be more tax-efficient than mutual funds. For example, if you compare an ETF and a mutual fund in the technology sector, the ETF is generally more tax-efficient. Meet with a J.P. Morgan Advisor who will answer your questions about your investment strategy.

Funding your account with transfers and rollovers

Move cash, transfer investments and roll over retirement assets into your J.P. Morgan investment account. Don’t have an account yet? Get started.

Fund your account

Explore ways to fund your account

Easily set up one-time or repeating cash transfers or make IRA contributions

Move cash from your Chase account or an external bank account

Timeline:

Internal Chase transfer: Instant, if you submit it on a business day before 4:30 PM ET.
External transfer: Funds are typically available within 1 to 3 business days.

Transfer from bank accounts

Move cash between internal J.P. Morgan investment accounts

Timeline:

Instant, if you submit it on a business day before 4:30 PM ET.

For information on how to transfer cash from external investment accounts, see the “Transfer investments“ tab.

Transfer between investment accounts

Frequently asked questions about cash transfers

No, we don't charge a fee. Your external bank may assess a fee to transfer cash. You should verify any fees with them prior to initiating the cash transfer request.

Cash transferred from your Chase bank and investment accounts will be available to trade immediately upon processing.

Cash transferred from external bank and investment accounts is subject to standard holding times. Sign into your account to learn more.

To confirm that the transfer was posted to your account, go to your “Brokerage transfer activity” and check the transaction status. We’ll also email you once we’ve completed your transfer.

You can view and edit, pause or cancel your repeating transfers to your investment accounts by following these steps:

Chase.com: Pay & Transfer > Transfer money > Transfer activity > Brokerage transfers > Repeating transfers
Chase Mobile^® app: Pay & Transfer > See activity > Brokerage transfers > All transfer activity > Brokerage transfers > Repeating transfers

The IRS sets annual contribution limits for Roth IRAs and Traditional IRAs. For 2024, the annual maximum is $7,000 if you are under the age of 50, or $8,000 if you are 50 or above. Learn more.

You can also run your numbers with our IRA eligibility calculator to see how much you may be able to contribute to a Traditional or Roth IRA and if your contribution to a Traditional IRA could be tax-deductible.

Note that you may be able to contribute to both an IRA and your company’s 401(k) or other employer sponsored retirement account.

Make the most of your investments with our tools and resources

Track your goals in real time with Wealth Plan

J.P. Morgan Wealth Plan^℠ makes it easy to put your plans into action with personalized insights to guide you. You can even schedule a meeting with your J.P. Morgan advisor to stay on track.

Sign into Wealth Plan

Track your goals in real time with Wealth Plan

J.P. Morgan Wealth Plan^℠ makes it easy to put your plans into action with personalized insights to guide you. You can even schedule a meeting with your J.P. Morgan advisor to stay on track.

Sign into Wealth Plan

Manage your account and stay invested

We have the resources to help you reach your goals. Discover next steps, tools, guides and videos to help you make the most of your J.P. Morgan Wealth Management account.

Explore client resources

Manage your account and stay invested

We have the resources to help you reach your goals. Discover next steps, tools, guides and videos to help you make the most of your J.P. Morgan Wealth Management account.

Explore client resources

Don’t have a J.P. Morgan Wealth Management investment account?

Whether you want to invest on your own or get personalized advice from an advisor, we have the services to help support you as your needs evolve over time.

Open an account See ways to invest

Learn how to transfer investments, including an IRA, from J.P. Morgan or external accounts

Consider consolidating your investment portfolio by transferring your IRA, brokerage or other investment accounts into a J.P. Morgan account. Don’t have an eligible investment account? Get started here.

From an external investment account

Requirements:

To transfer online, you need:
- Your username and password for the account you are transferring from
- A copy of your external account statement dated within the last 90 days.
Transfer requests that exceed account balance minimums may be rejected by your external firm. Please check with your external firm about these limits before initiating a request.
You can only make transfers between IRAs of the same type that have the same owner. For example, John Smith’s Traditional IRA to John Smith’s Traditional IRA.
If you have a check issued by another financial institution using funds from your IRA, you can use Chase QuickDeposit^℠ in the Chase Mobile® app and choose the "Direct Transfer" option.

Timeline:

Online transfers from external investment accounts typically take 3 to 5 business days. Transfers that require additional information or are paper-based may take 20 business days or longer. You can track your incoming transfer at any time on the Securities transfer activity page.

Things to consider:

We support online transfers for the following account types: Individual, Roth IRA, Traditional IRA and Beneficiary IRA.
For all other account types—including joint accounts—print, sign and mail a completed Account Transfer Form (PDF), with an account statement from the external firm dated within the last 90 days.

Transfer from external account

Between J.P. Morgan investment accounts

Requirements:

You’ll need at least two eligible J.P. Morgan investment accounts to initiate an internal securities transfer.
You can only make transfers between IRAs of the same type that have the same owner.

Timeline

Internal investment account transfers are typically completed in less than 1 business day.

Things to consider

Some accounts are not eligible for online transfers. For these accounts, please complete a Transfer Between JPMS Investment Accounts (PDF) form—do not use this form to request a transfer between retirement and taxable accounts.

Transfer from internal account

Frequently asked questions about investment transfers

No, J.P. Morgan doesn’t charge any fees for incoming transfers. However, the institution that you’re moving assets out of may charge a fee, so you should check with them before scheduling a transfer.

We’ll make sure to email you updates about your transfer. Plus, you can check the status of a transfer anytime by going to the securities transfer activity page.

The following securities cannot be transferred online into a J.P. Morgan investment account:

Annuities
Caveat emptor and expert market securities
Life insurance
Futures
Short security positions
Physically held securities
Cryptocurrencies
Foreign currencies
Securities sold exclusively by your prior firm

If you try to transfer any of these, we may have to cancel the entire transfer request.

To convert your J.P. Morgan Traditional IRA to a J.P. Morgan Roth IRA, go to our Brokerage Forms page and choose "Roth Conversion." Complete the form and send it to the address provided. There are eligibility requirements for a Roth IRA so make sure you speak to your tax advisor. If you need help, you can call us at 1-800-392-5749, Monday-Friday from 8 AM to 9 PM and Saturday from 9 AM to 5 PM ET.

If you have a J.P. Morgan advisor, please work with them directly to convert your account.

It typically takes 3 to 5 business days to complete transfers between ACAT-eligible institutions. For non-ACAT institutions, transfers can take 7 to 20 business days once all paperwork is received. We'll notify you by email about the status of your transfer changes.

Note: The ACAT (Automated Customer Account Transfer) service is a system that facilitates the transfer of securities from one investment account at a financial institution to another financial institution.

Make the most of your investments with our tools and resources

Track your goals in real time with Wealth Plan

J.P. Morgan Wealth Plan^℠ makes it easy to put your plans into action with personalized insights to guide you. You can even schedule a meeting with your J.P. Morgan advisor to stay on track.

Sign into Wealth Plan

Track your goals in real time with Wealth Plan

J.P. Morgan Wealth Plan^℠ makes it easy to put your plans into action with personalized insights to guide you. You can even schedule a meeting with your J.P. Morgan advisor to stay on track.

Sign into Wealth Plan

Manage your account and stay invested

We have the resources to help you reach your goals. Discover next steps, tools, guides and videos to help you make the most of your J.P. Morgan Wealth Management account.

Explore client resources

Manage your account and stay invested

We have the resources to help you reach your goals. Discover next steps, tools, guides and videos to help you make the most of your J.P. Morgan Wealth Management account.

Explore client resources

Don’t have a J.P. Morgan Wealth Management investment account?

Whether you want to invest on your own or get personalized advice from an advisor, we have the services to help support you as your needs evolve over time.

Open an account See ways to invest

Explore rolling over your 401(k) or other employer-sponsored plan

How to start a rollover:

Open a J.P. Morgan retirement account.
Contact your current plan administrator to learn about their requirements for making an eligible rollover distribution to your J.P. Morgan IRA. The administrator may ask you to complete their rollover forms or provide other instructions.
Ask your plan administrator to make the check payable to J.P. Morgan IRA. You can have them send your check either directly to J.P. Morgan or to you, to deposit in a Chase branch or using Chase QuickDeposit^℠ in the Chase Mobile^® app.
To deposit your check with Chase QuickDeposit^℠, tap “Deposit to investment account,” then “Deposit to Individual Retirement Account (IRA).”

If you have any questions, please review our rollover guide (PDF) or call us at 1-800-392-5749.

Review requirements for direct and indirect rollovers

Direct rollover

If you have a check from your previous employer's retirement plan payable to JPMS or J.P. Morgan Securities LLC, choose the “Direct Rollover” option.
If you received eligible rollover funds from your IRA or employer-sponsored retirement plan, you generally have 60 days from the day you receive the funds to re-deposit those funds into a retirement account.
You can only do one 60-day rollover in any 12-month period, regardless of the number of retirement plans you own. The one rollover per year rule does not apply to direct rollovers.

Indirect rollover

If you’re depositing a check from your personal account payable to JPMS or J.P. Morgan Securities LLC, choose the “Indirect Rollover” option.
Make sure the check is deposited within 60 days from the date you received the funds from your previous employer’s retirement plan.

Timeline

Funds are typically available within 1 business day.

Things to consider

View the “Deposit checks” tab to learn more about Chase QuickDeposit^℠. Not all account and check types are supported by QuickDeposit. If you have trouble using QuickDeposit, complete the IRA Check Deposit by Mail Form (PDF).
Working with a J.P. Morgan advisor? They can also help you deposit your check.
View the “Transfer investments” tab to learn how you can transfer your IRA into a J.P. Morgan account.
View the “Move cash” tab to learn how you can make an IRA contribution.

Frequently asked questions about rollovers

Specify “payable to” details If you’ve decided to complete a direct rollover, tell your plan administrator to include this information on the rollover check:

Payable to: J.P. Morgan Securities LLC
For the benefit of (FBO): [Your name]
Memo line: Your IRA account number, account type and rollover type (“direct rollover”)

Ask your plan administrator to send the check to you or directly to your J.P. Morgan IRA at one of these addresses:  

Overnight delivery:

J.P. Morgan Securities LLC Lockbox 21002  

7610 W. Washington St., Floor 1

Indianapolis, IN 46231-1335

Regular mail:

J.P. Morgan Securities LLC Lockbox 21002 

P.O. Box 44987

Indianapolis, IN 46244-0987

No, J.P. Morgan doesn’t charge any fees for rollovers. However, the institution that you’re moving assets out of may charge a fee. You should check with them before scheduling a rollover.

Yes, generally speaking you can combine rollovers and contributions in the same IRA. However, Traditional IRA and Roth IRA funds must be kept in separate accounts.

Our retirement desk is available Monday–Friday from 9 AM to 6 PM ET at 1-833-ROLLOVR. You can also contact your J.P. Morgan advisor if you have one, or your tax or legal professional.

Make the most of your investments with our tools and resources

Track your goals in real time with Wealth Plan

J.P. Morgan Wealth Plan^℠ makes it easy to put your plans into action with personalized insights to guide you. You can even schedule a meeting with your J.P. Morgan advisor to stay on track.

Sign into Wealth Plan

Track your goals in real time with Wealth Plan

J.P. Morgan Wealth Plan^℠ makes it easy to put your plans into action with personalized insights to guide you. You can even schedule a meeting with your J.P. Morgan advisor to stay on track.

Sign into Wealth Plan

Manage your account and stay invested

We have the resources to help you reach your goals. Discover next steps, tools, guides and videos to help you make the most of your J.P. Morgan Wealth Management account.

Explore client resources

Manage your account and stay invested

We have the resources to help you reach your goals. Discover next steps, tools, guides and videos to help you make the most of your J.P. Morgan Wealth Management account.

Explore client resources

Don’t have a J.P. Morgan Wealth Management investment account?

Whether you want to invest on your own or get personalized advice from an advisor, we have the services to help support you as your needs evolve over time.

Open an account See ways to invest

Deposit a check with Chase QuickDeposit^℠ in the Chase Mobile^®app

Watch how you can deposit checks for 401(k) rollovers, IRA contributions and more in your investment accounts.

Timeline

Funds are typically available within 1 business day.

Things to consider

Checks have a 7-business day hold period for trading and withdrawals.
If you’d like to make a contribution to your retirement account or make a rollover, tap “Deposit to investment account,” then “Deposit to Individual Retirement Account (IRA).”
Not all account and check types are supported. If you have questions about your deposit, please call the service center at 1-800-392-5749.

Make the most of your investments with our tools and resources

Track your goals in real time with Wealth Plan

J.P. Morgan Wealth Plan^℠ makes it easy to put your plans into action with personalized insights to guide you. You can even schedule a meeting with your J.P. Morgan advisor to stay on track.

Sign into Wealth Plan

Track your goals in real time with Wealth Plan

J.P. Morgan Wealth Plan^℠ makes it easy to put your plans into action with personalized insights to guide you. You can even schedule a meeting with your J.P. Morgan advisor to stay on track.

Sign into Wealth Plan

Manage your account and stay invested

We have the resources to help you reach your goals. Discover next steps, tools, guides and videos to help you make the most of your J.P. Morgan Wealth Management account.

Explore client resources

Manage your account and stay invested

We have the resources to help you reach your goals. Discover next steps, tools, guides and videos to help you make the most of your J.P. Morgan Wealth Management account.

Explore client resources

Don’t have a J.P. Morgan Wealth Management investment account?

Whether you want to invest on your own or get personalized advice from an advisor, we have the services to help support you as your needs evolve over time.

Open an account See ways to invest

Funding your account with transfers and rollovers

Explore ways to fund your account

Easily set up one-time or repeating cash transfers or make IRA contributions

Move cash from your Chase account or an external bank account

Move cash between internal J.P. Morgan investment accounts

Frequently asked questions about cash transfers

Does J.P. Morgan charge a fee to transfer cash into my account?

When will my cash be available to trade?

Where can I see the status of my transfer?

How can I manage my repeating transfers?

What’s the max IRA contribution I can make in a year?

Make the most of your investments with our tools and resources

Track your goals in real time with Wealth Plan

Track your goals in real time with Wealth Plan

Manage your account and stay invested

Manage your account and stay invested

Don’t have a J.P. Morgan Wealth Management investment account?

Learn how to transfer investments, including an IRA, from J.P. Morgan or external accounts

From an external investment account

Between J.P. Morgan investment accounts

Track your goals in real time with Wealth Plan

Track your goals in real time with Wealth Plan

Manage your account and stay invested

Manage your account and stay invested

Don’t have a J.P. Morgan Wealth Management investment account?

Explore rolling over your 401(k) or other employer-sponsored plan

Review requirements for direct and indirect rollovers

Timeline

Things to consider

Track your goals in real time with Wealth Plan

Track your goals in real time with Wealth Plan

Manage your account and stay invested

Manage your account and stay invested

Don’t have a J.P. Morgan Wealth Management investment account?

Track your goals in real time with Wealth Plan

Track your goals in real time with Wealth Plan

Manage your account and stay invested

Manage your account and stay invested

Don’t have a J.P. Morgan Wealth Management investment account?