J.P. Morgan Self-Directed Investing
Overview
J.P. Morgan Self-Directed Investing is the brokerage platform fully integrated into the Chase banking ecosystem. It is designed primarily for convenience, allowing existing Chase customers to manage their checking, savings, credit cards, and investments all in one place. While it lacks the advanced technical tools of dedicated trading platforms, it offers a solid, trustworthy foundation for "buy and hold" investors who prioritize simplicity and banking integration over complex analysis.
Key Specifications
| Account Minimum | $0 |
|---|---|
| Stock & ETF Trade Fee | $0 (Online US listed) |
| Options Fee | $0.65 per contract |
| Fractional Shares | Yes (Min $5.00, expanded in 2026 to include over 3,000 stocks/ETFs) |
| Mutual Fund Fees | $0 for all online mutual fund trades |
| Uninvested Cash Interest | Negligible (~0.01%) - Must manually buy money market funds for yield |
Trading Platforms
1. Chase Mobile App
The investing experience lives inside the standard Chase Mobile app. There is no separate "trading" app to download. This is a major pro for simplicity—you can transfer money from your checking account and buy a stock in seconds. By 2026, the app includes an "Investment Home" experience with streamlined navigation and personalized performance insights.
2. Chase.com (Web)
The web portal offers more research tools than the app, including the "Portfolio Builder" tool. In 2026, J.P. Morgan launched an advanced **Fixed Income Center** on the web, allowing users to compare yields across Treasuries, Corporates, and CDs in a single table.
Investment Features
- Research: Clients get access to J.P. Morgan's proprietary "Global Equity Research," which provides institutional-grade ratings and price targets on thousands of stocks.
- Fixed Income Screener: A 2026 update added customizable screeners for bonds and Treasuries, making it much easier for retail investors to build a laddered bond portfolio.
- Portfolio Builder: A guided tool that helps beginners construct a diversified portfolio based on their risk tolerance and goals.
- Chase Private Client Perks: For users with $150k+ in combined balances, Chase waives the $35 monthly banking fee and provides access to a dedicated Private Client Advisor.
Account Types
J.P. Morgan supports the standard array of personal accounts:
- Individual General Investment
- Traditional & Roth IRAs
- Joint Tenants (Rights of Survivorship)
- Custodial (UTMA/UGMA)
- Trust Accounts (Integrated for 2026)