J.P. Morgan Personal Investing is a managed investment service: you set your risk level and its team builds and runs the portfolio.
Offer overview
Chris · Your personal guide
Sign up with TopCashback
Go to TopCashback using the button below, then open a J.P. Morgan Personal Investing Stocks & Shares ISA.
It is a managed service: you set your risk level and J.P. Morgan builds and runs the portfolio.
- Credit check
- None
Step by Step Guide
- 1Use the button below to go to the J.P. Morgan offer on TopCashback
- 2Click through to open your J.P. Morgan account
- 3Select 'Stocks & Shares ISA' (not General Investment Account)
- 4Complete identity verification
- 5Make your initial £500 investment
- 6Set up £100/month Direct Debit
- Pay your £100 monthly Direct Debit for two months
- Withdraw your £75 cashback from TopCashback to your bank
You can now decide what to do with your J.P. Morgan account:
Keep investing if you like the platform
Or transfer your ISA to another provider (no exit fees)
Member experiences
3 completions (all-time offers)
How fast members were paid
Days from meeting the criteria to the cash arriving
122
Average days
- none in 1 to 30 days
- none in 31 to 90 days
- 1 in 91 to 180 days
- none in 181 to 365 days
1 member timing (current offer)
Quick review
J.P. Morgan Personal Investing
Wondering whether J.P. Morgan Personal Investing is worth it beyond the bonus? Here is our honest take.
The managed-investing platform formerly known as Nutmeg, now under JPMorgan Chase. You pick a risk level and investment style; their team handles the rest inside an ISA, LISA, JISA, GIA, or pension. Quidsy's got a £75 cashback offer worth grabbing. Fee-conscious DIY investors will pay less elsewhere.
Chris' verdictYour personal guide, QuidsyIt depends on what you're after. If you want a hands-off managed ISA or pension with a name behind it you can pronounce at a dinner party, J.P. Morgan Personal Investing is a sensible pick. The platform's been running since 2012 (originally as Nutmeg), the awards from Boring Money are well-earned, and JPMorgan's involvement has made it a bigger, better-resourced operation rather than a worse one.
The investing itself is genuinely managed by their team, not just an algorithm running on autopilot.
But if you're comfortable picking your own funds and want to keep fees low, you can do better on cost. Vanguard, AJ Bell and InvestEngine all charge less for DIY portfolios. That 0.75% gap on £20,000 invested is £150 a year you're paying for the managed service. Worth it if you value the convenience or genuinely don't want to think about rebalancing, less obvious if you'd happily run a three-fund portfolio yourself.
For the offer we've found, the £75 cashback is a fair trade. It covers most of your first year of fees on a £10,000 ISA and gives you a low-risk way to try the platform before committing long term. Easy money if you were going to open a managed ISA anyway.
J.P. Morgan Personal Investing Limited is authorised and regulated by the Financial Conduct Authority (FRN 552016). Capital at risk. Eligible investments are protected by the FSCS up to £85,000.