Last updated: 26 October 2026. Everything JPMorgan has said and shown so far about JPMorgan self-managed investing, including the new waitlist in its app.
By Stiv · Design, technology and personal finance
JPMorgan self-managed investing is on its way. JPMorgan Personal Investing, the managed service that used to be Nutmeg, has added a Self-Managed investments card to its app with a "Coming soon" badge and a waitlist. When it launches, you'll be able to pick your own investments in the same app that runs your managed pots, rather than leaving every decision to JPMorgan's team.
I've held managed pots there since the Nutmeg days, and I joined the waitlist as soon as the card appeared. Below is what JPMorgan has said, what the app shows, and the questions that will decide whether it's worth switching for.
This article contains affiliate and referral links, which are paid links. If you click one and buy or sign up, I earn a commission or referral bonus at no extra cost to you. Brands don't choose what I feature or what I say about them. This is information, not financial advice.
Capital at risk. The value of investments can go down as well as up and you may get back less than you invested. Past performance is not a reliable indicator of future results.
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What JPMorgan has said about self-managed investing
JPMorgan first set out the plan when it retired the Nutmeg name in November 2025. Alongside the new J.P. Morgan Personal Investing brand, it said it would launch a full DIY investment platform in 2026, letting investors buy and sell shares, bonds, funds and other assets themselves, according to FStech's launch report and ETF Express.
The bigger idea is to tie banking and investing together. Mark O'Donovan, chief executive of JPMorgan Chase's international consumer bank, described it as "the ability to bank with Chase and invest with JPMorgan". At that point the platform looked after more than £8.5 billion for over 265,000 UK investors.
Since then, JPMorgan hasn't published a launch date, a price list or a product page for the self-managed service. So for now, everything beyond the 2025 announcement comes from the app.
What the app shows now
The autumn 2026 redesign split the home screen in two. Your existing pots now sit together in a Managed investments card, and underneath is a new Self-Managed investments card with a blue "Coming soon" badge. Tap it and you can join a waitlist. The message then reads: "You're on the waitlist. We'll be in touch when Self-Managed investments are available to you."
Beside the message is a grid of company logos, including Apple, Microsoft, Nvidia, Tesla, Google, Meta, Amazon, Netflix, Coca-Cola and Barclays. That points to individual shares in big US and UK companies being part of the launch, not just funds. The wording "available to you" also suggests it will roll out to customers in stages rather than all at once.
The layout matters because it shows how JPMorgan plans to run both services together. One total sits at the top for everything you hold. Managed and self-managed money then appear as two separate sections of the same account, rather than in two different apps.
So if you already have managed pots, your DIY holdings should appear next to them. That's simpler than running a managed app and a separate share-dealing app side by side, which is how I invest today.
What we still don't know
The answers to these questions will decide whether JPMorgan self-managed investing is worth using, or just convenient for existing customers.
The dealing fee. Apps such as Trading 212 charge no commission to buy or sell shares. If JPMorgan charges a fee per trade, small regular purchases will cost noticeably more than they do elsewhere.
The foreign exchange fee. Most of the logos on the waitlist card are US companies. Every purchase of a US share means converting pounds into dollars, and that fee adds up on every trade in both directions. Our investment app FX fees comparison shows how much this varies between platforms.
Which accounts it covers. JPMorgan's managed products are a Stocks and Shares ISA, Lifetime ISA, Junior ISA, Personal Pension and General Investment Account. It hasn't said which of these will allow self-managed investing. Whether your own picks can sit in the same ISA as your managed pots matters most, because your ISA allowance is £20,000 a year across all your ISAs.
What you can buy. The 2025 announcement mentioned shares, bonds and funds. It hasn't said whether you'll be able to buy fractions of a share, which markets you'll have access to beyond the US and UK, or whether ETFs will be on the list.
The launch date. JPMorgan said 2026, and the card says "Coming soon". With just over two months of the year left, it may arrive in the final weeks of 2026 or slip into 2027.
How it fits with Chase
JPMorgan already links its investing and banking apps. If you bank with Chase UK, you can link your JPMorgan Personal Investing account and see your pots in the Invest tab of the Chase app. You can also pay in from Chase by adding JPMorgan Personal Investing as a payee.
A self-managed account would probably slot into the same tab, which would put your own share picks next to your current account in the Chase app. For now, though, the Chase app only shows your pots. Every change still happens in the JPMorgan Personal Investing app.
Should you join the waitlist?
If you already use JPMorgan Personal Investing, yes. Joining takes one tap on the home screen card, it costs nothing, and you'll be told when the service is available to you. Joining doesn't commit you to anything.
If you're not a customer, there's no reason to sign up just for the waitlist. Wait for the prices first. If you want to pick your own shares today, my Freetrade review, Lightyear review and Trading 212 review cover the DIY apps I've used with my own money.
The managed service in the meantime
Until JPMorgan self-managed investing launches, JPMorgan Personal Investing is a managed service only. You choose a style and a risk level, and its team runs a global portfolio of ETFs for you. The management fee is 0.75% a year on the first £100,000 for most styles and 0.35% above that, with fund costs and market spread on top, according to its fees page.
JPMorgan Personal Investing Limited is authorised and regulated by the Financial Conduct Authority (FRN 552016). Eligible investments are protected up to £85,000 per person per FCA-authorised firm by the FSCS. Tax treatment depends on the individual circumstances of each client and may be subject to change in future.
My JPMorgan Personal Investing review covers the app, fees and my own returns in full, and the service guide lists every product rule. If you invest on your values, I've also reviewed its ESG investing style.
Capital at risk. The value of investments can go down as well as up and you may get back less than you invested.
Frequently asked questions
When will JPMorgan self-managed investing launch?
JPMorgan said in November 2025 that a full DIY platform would launch in 2026. It hasn't given a date. The app shows a "Coming soon" card with a waitlist, and says customers on it will be contacted when the service is available to them.
What will you be able to buy?
JPMorgan's 2025 announcement said investors would be able to buy and sell shares, bonds and funds. The waitlist card shows logos of big US and UK companies such as Apple, Microsoft, Nvidia and Barclays. A full list of markets and products hasn't been published.
How much will JPMorgan's self-managed investing cost?
JPMorgan hasn't published any fees for self-managed investing yet. Its managed service charges 0.75% a year on the first £100,000 for most styles, but that fee pays for its team to run your money, so DIY pricing is likely to work differently.
How do I join the JPMorgan self-managed waitlist?
Open the JPMorgan Personal Investing app and tap the Self-Managed investments card on the home screen. The card then confirms you're on the waitlist. It costs nothing and doesn't commit you to anything.
Will self-managed investing work in my JPMorgan ISA?
JPMorgan hasn't said yet. Its managed ISA, Lifetime ISA, Junior ISA, pension and General Investment Account are all candidates, but which accounts will allow your own picks is one of the main open questions.
Is JPMorgan Personal Investing the same as Nutmeg?
Yes. Nutmeg became JPMorgan Personal Investing in November 2025, and existing accounts moved across automatically. Self-managed investing will be the first big addition since the change.
Capital at risk. The value of investments can go down as well as up and you may get back less than you invested. Past performance is not a reliable indicator of future results. Fees, products and launch plans can change. This article is for information only and does not constitute financial advice. CoolCuration is not authorised by the FCA. Tax treatment depends on the individual circumstances of each client and may be subject to change in future. Consider a qualified financial adviser if you are unsure. This article contains affiliate and referral links, which are paid links. If you click one and buy or sign up, I earn a commission or referral bonus at no extra cost to you. Brands don't choose what I feature or what I say about them.
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