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ISA & Trading Account offers on interactive investor*
Get £100 worth of free trades when you open an ii Stocks & Shares ISA or Trading Account.
Capital at risk. Offer ends 31st January 2026. *Terms & trading fees apply. New customers opening an ISA or Trading Account. Existing customers adding an ISA only. No minimum deposit required.
SIPP offers on interactive investor*
Get between £100 - £3,000 cashback when you open an ii Personal Pension (SIPP).
Capital at risk. Offer ends 31 January 2026. *Terms & trading fees apply. New & existing customers opening a SIPP. Not available to existing SIPP holders. £20,000 minimum deposit required. Funding method via transfers, contributions, or both. Cashback paid within 30 days of qualification.
Transfer offer available on J.P. Morgan Personal Investing*
Transfer £5,000+ to J.P. Morgan Personal Investing before 10 May 2026 and earn up to £2,500 cashback or 250,000 Avios. Keep your transfer invested for 12 months to qualify.
Capital at risk. *Terms apply. Initiate a transfer of £5,000 or more by 10 May 2026 and keep that amount invested until 8 May 2027. This promotion is open to new and existing clients transferring an ISA, JISA, LISA or pension from another provider to J.P. Morgan Personal Investing.
Transfer offer available on J.P. Morgan Personal Investing*
Transfer £5,000+ to J.P. Morgan Personal Investing before 10 May 2026 and earn up to £2,500 cashback or 250,000 Avios. Keep your transfer invested for 12 months to qualify.
Capital at risk. *Terms apply. Initiate a transfer of £5,000 or more by 10 May 2026 and keep that amount invested until 8 May 2027. This promotion is open to new and existing clients transferring an ISA, JISA, LISA or pension from another provider to J.P. Morgan Personal Investing.
ISA,GIA & SIPP offer available on IG*
Earn 7.5% AER interest on your uninvested cash
Open an IG investment account and make your first trade between 1–16 January 2026 to earn a boosted 7.5% AER variable interest on uninvested cash balances of up to £10,000, then keep at least one active position or place a trade each month to maintain the boosted rate and earn interest until 31 March 2026.
*Your capital is at risk. New customers only. UK residents only. Offer valid 1–16 January 2026 on ISA, GIA and SIPP accounts. Boosted rate applies to balances up to £10,000 and ends 31 March 2026. Balances above this earn the standard rate. Activity required monthly. Variable rate. T&Cs apply.
Who is J.P. Morgan Personal Investing?
NB. Prior to November 2025, J.P. Morgan Personal Investing operated under the Nutmeg Saving and Investment brand.
J.P. Morgan Personal Investing launched in November 2025, offering the products and services previously branded Nutmeg, which was acquired by JPMorganChase in 2021. The digital wealth manager offers a range of ready-made portfolios that invest customers' money in line with their investment goals and appetite for risk.
Who is J.P. Morgan Personal Investing good for?
J.P. Morgan Personal Investing is a decent option for less confident investors or those who find investing a bit baffling and could do with a helping hand. There’s a wide range of different investment approaches and a lot of portfolios on offer compared to its competitors. Chase banking customers will also like the integration. Plus, it’s supported by investment banking giants J.P. Morgan.*
*Investment products are provided by J.P. Morgan Personal Investing and are not guaranteed by JPMorgan Chase Bank, N.A.
Pros and cons
Investments
J.P. Morgan Personal Investing clients can pick from six different investment styles, with each style offering a choice of multiple risk levels. The table below summarises the differences between investment styles.
Investment Style | Fully Managed | Thematic Investing | Smart Alpha portfolios | Socially Responsible Investing | Fixed Allocation | Income Investing |
What is it? | Actively managed global portfolio, with changes made to reflect the current economic environment. | Actively managed global portfolio, tilted toward a specific future-focused theme, such as technology or electrification. | Actively managed global portfolio combining J.P. Morgan Personal Investing's core principles and J.P. Morgan’s in-house investment expertise. | Ready-made portfolios designed to incorporate companies and bond issuers that have high environmental, social and governance (ESG) standards. | A globally diversified portfolio that is automatically rebalanced and manually reviewed once a year. The cheapest option that J.P. Morgan Personal Investing provide. | Uses dividend-paying ETFs to generate regular monthly income from your lump sum investments, making it particularly ideal for retirees, those with variable income, or people reducing work hours. |
There’s a £500 minimum initial investment required to open a J.P. Morgan Personal Investing ISA, Pension or GIA and a £100 minimum initial investment to open a J.P. Morgan Personal Investing Lifetime ISA or Junior ISA. The minimum investment for an Income Investing pot is £10,000.
Accounts
J.P. Morgan Personal Investing offers a range of accounts. The table below shows a breakdown of which ones are available. Scroll down beyond the table for a summary of J.P. Morgan Personal Investing ISA, Pension, LISA and JISA.
Stocks & Shares ISA | Pension (SIPP) | General Investment Account (GIA) | Lifetime ISA | Junior ISA |
✔ | ✔ | ✔ | ✔ | ✔ |
Fees and charges
The total cost of investing with J.P. Morgan Personal Investing depends on two main things: the amount of money you have invested and the investing style you choose.
Amounts over £100k are charged at a lower platform fee and investment styles that require more activity from J.P. Morgan Personal Investing and the underlying investment managers are usually slightly more expensive.
In general, expect to pay between 0.65% - 1.18% depending on what you go for, which works out at £6.50 – £11.80 per year on a £1,000 investment.
The table below shows a breakdown of J.P. Morgan Personal Investing charges, with a few worked examples underneath.
Investment style | Fully Managed | Thematic Investing | Smart Alpha portfolios | Socially Responsible Investing | Fixed Allocation | Income investing |
Platform fee (portfolio less than 100k)* | 0.75% | 0.75% | 0.75% | 0.75% | 0.45% | 0.75% |
Fund management fee | 0.18% | 0.25% | 0.35% | 0.23% | 0.16% | 0.39% |
*Platform charges drop from 0.75% to 0.35%, and from 0.45% to 0.25% for the Fixed Allocation portfolio, on amounts invested above £100,000. You will be charged a 0.04% market spread fee across any of the portfolios. Read more on J.P. Morgan Personal Investing's fees on their website here.
Boring Money customer reviews
Prior to November 2025, J.P. Morgan Personal Investing operated under the Nutmeg Saving and Investment brand.
Help others by sharing your feedback!
07 July 2025
It gives me a good share of interest
07 July 2025
Great
06 July 2025
Efficient
Most asked questions
Is J.P. Morgan Personal Investing safe?
J.P. Morgan Personal Investing is authorised and regulated by the Financial Conduct Authority (FCA). If a fund fails due to fraud or mismanagement, you may be eligible for compensation from the Financial Services Compensation Scheme (FSCS). The FSCS protection is capped at £85,000 per person, per fund manager (not per individual fund). However, if your investments lose value due to normal market conditions or your investment choices, this is part of the normal risk of investing and is not covered by FSCS compensation.
What does J.P. Morgan Personal Investing invest in?
J.P. Morgan Personal Investing offers globally diversified portfolios which are tailored to your individual risk profile and investment goals.
The portfolios are invested in exchange traded funds (ETFs), which are like baskets of dozens – and sometimes even hundreds – of investments rolled into one. So you don’t have to go and buy all those individual investments yourself!
The ETFs which underpin J.P. Morgan Personal Investing's portfolios primarily invest in:
Developed market equities
Emerging market equities
Government bonds - developed
Government bonds - emerging
Corporate bonds
Global equities
You can read more about how and what J.P. Morgan Personal Investing invests in on its website here.
Can I invest in individual funds on J.P. Morgan Personal Investing?
No, you can’t buy individual funds on J.P. Morgan Personal Investing, nor can you buy individual shares. It only offers ready-made portfolios, split across the six different investment styles which we mentioned earlier.
Do I pay tax on money invested with J.P. Morgan Personal Investing?
You may need to pay tax if you invest with J.P. Morgan Personal Investing. However, if and how much depends on a number of factors including which type of J.P. Morgan Personal Investing account you’re using, the performance of your investments and your usual rate of Income Tax.
For example, if you use a J.P. Morgan Personal Investing ISA, you won’t need to pay any tax on your investments because ISAs are tax-free. However, if you’ve got a General Investment Account (which is liable for tax), you may find that you do need to pay taxes such as Capital Gains Tax (CGT) or Dividend Tax, depending on the amount of income earned in a given tax year.
For more information about how investments are taxed, read our article Three taxes to know about if you’re an investor.
Glossary
Not 100% sure you understand something we’ve written in this review?
Discover jargon-free definitions of the most common words and technical terms used in the world of investing.
Risk warning
As is always the case with investing, your capital is at risk. The value of your portfolio can go down as well as up and you may get back less than you invest. Tax treatment depends on your individual circumstances and may change in the future.
All information in this review correct as at 03/11/2025.
