Assessment
J.P. Morgan Personal Investing is used by UK savers who want someone else to build and run an investment portfolio inside an ISA, a pension, or a general account. It has more than 265,000 investors and over $11.4B of assets, and its best use cases are a managed stocks and shares ISA, a personal pension, a Lifetime ISA, and a Junior ISA. It charges a yearly fee on invested assets, like most UK digital managers, and its main competitors are Moneyfarm, Wealthify, Chip, and Plum.
Nick Hungerford and William Todd founded the business as Nutmeg in 2011, and JPMorganChase bought it for a reported $938M in June 2021. Assets grew from about $4.7B at the purchase to over $11.4B, and investors from 140,000 to more than 265,000. It took the J.P. Morgan Personal Investing name in November 2025, when Chase UK customers also gained a view of their portfolios in the Chase app and clients with more than about $335,000 invested gained relationship managers.
It fits a UK saver who wants a managed portfolio from a bank-owned provider and may also bank with Chase. It is a weaker fit for someone who wants to pick individual shares, so check whether the do-it-yourself platform it planned for 2026 is open, and for savers outside the UK.
Rating by criterion
We score each of the eight criteria out of 100.
Sector criteria
Use it for UK tax wrappers. It offers a stocks and shares ISA, Lifetime ISA, Junior ISA, personal pension, and general investment account.
Pick the portfolio style that matches how involved you want to be. Options include Fully Managed, Smart Alpha, socially responsible, thematic, fixed allocation, and income portfolios.
Link it to Chase if you bank there. Chase UK customers can see their portfolios next to current accounts, card spending, and savings pots.
Count on a large owner. The firm is part of JPMorganChase and is regulated by the UK Financial Conduct Authority.
Vendor criteria
Look at its newer planning tools. It added a Wealth Planner and relationship managers for clients with more than about $335,000 invested.
Open an account online. Free guidance is open to all users, and paid restricted advice is available if you want a recommendation.
Check how cash is paid. Uninvested cash in an ISA, general account, or pension earns the Bank of England rate minus 0.75%.
Mind the pension access age. Money in its personal pension can be withdrawn only from age 55, rising to 57 from April 2028.
Against its peers
These are the other companies in wealth and brokerage platforms, with their ratings.
User comments
We read the November 2025 launch coverage and the firm’s fee page to see what buyers value, and set them against the main limit a buyer meets.
- Upside
- Downside
Where customer reviews couldn't be found, our analysts attempted to give a voice to buyer sentiment, drawing on real information from review sites, forums and product documentation.
Based on: FStech, November 3, 2025; J.P. Morgan Personal Investing, our fee.
Fact file
| Legal entity | J.P. Morgan Personal Investing Limited |
|---|---|
| Former name | Nutmeg |
| Owner | JPMorganChase, since 2021 |
| Investors | More than 265,000 |
| Assets under management | Over $11.4B |
| Registered office | 25 Bank Street, Canary Wharf, London |
Competitive landscape
UK digital wealth managers a saver would compare with J.P. Morgan Personal Investing.
J.P. Morgan Personal Investing: 76
Comparisons
Key leadership
James McManus is chief investment officer and a director of J.P. Morgan Personal Investing. He joined in 2015 from Coutts.
How this review was created
This profile gives our own assessment of J.P. Morgan Personal Investing to companies selecting a Wealth & brokerage platforms provider. The Fintech Index receives nothing for featuring a firm, for sponsorship, or for advertising, and J.P. Morgan Personal Investing gave us no payment for the profile.
The rating equals the average of eight criteria, with every criterion running from 0 to 100. Four address buyer needs in this sector, and four address the company together with its commercial terms.
Ratings are our editorial judgment, made from public information: pricing and legal pages, product documentation, compliance disclosures, public reviews and filings. Fact-checking took place on November 4, 2026. Figures reported in pounds were converted to US dollars at the Federal Reserve H.10 rate of $1.3398 per pound on October 30, 2026.
Source pages
- J.P. Morgan Personal Investing home page: https://www.personalinvesting.jpmorgan.com/ (As of November 4, 2026)
- J.P. Morgan Personal Investing, about: https://www.personalinvesting.jpmorgan.com/about (As of November 4, 2026)
- J.P. Morgan Personal Investing, our fee: https://www.personalinvesting.jpmorgan.com/about/our-fee (As of November 4, 2026)
- Wikipedia, Nutmeg: https://en.wikipedia.org/wiki/Nutmeg_(company) (As of November 4, 2026)
- FStech, November 3, 2025: https://fstech.co.uk/fst/JPMorgan_Launches_Personal_Investing_Brand_In_UK.php (As of November 4, 2026)
- Companies House, officers: https://find-and-update.company-information.service.gov.uk/company/07503666/officers (As of November 4, 2026)