JP Morgan Self-Directed

J.P. Morgan Automated Investing is the robo advisory arm of JPMorgan Chase, launched in 2020 to compete with standalone robo platforms like Betterment and Wealthfront. The service builds and manages diversified ETF portfolios aligned to your risk tolerance — conservative through aggressive — and rebalances automatically. It's available to anyone with a Chase account and carries no annual advisory fee, which is its most compelling selling point.

The platform manages over $80 billion in client assets across its digital investing products and is directly integrated into the Chase Mobile app, giving users a unified view of their bank accounts, credit cards, and investments. Portfolios are built from low-cost J.P. Morgan ETFs with an average expense ratio of approximately 0.07%–0.12%. While the zero-fee structure is attractive, the platform lacks tax-loss harvesting, goal-based planning, and the customization options that dedicated robo platforms offer.