Honest comparison
PeakWorth vs J.P. Morgan Automated Investing
J.P. Morgan's robo lives inside the Chase app. PeakWorth is the planning layer above it.
The short version
J.P. Morgan Automated Investing is 0.35%/yr with a $500 minimum, invested in JPMorgan ETFs, and integrated into the Chase mobile app. It manages a single Chase-side account well. It does not run a real multi-decade household plan. PeakWorth is the planning layer above it.
J.P. Morgan Automated Investing is best for
Chase customers who want a managed-portfolio account inside the same Chase mobile app as their checking and credit cards, with a low entry point and JPMorgan's own ETF lineup.
0.35%/yr advisory fee, $500 minimum. Invested in JPMorgan ETFs (with the underlying fund expense ratios rebated against the advisory fee). No separate trade commissions inside the managed account. Available to Chase customers via the Chase app.
PeakWorth is best for
Households who want a household-wide plan, FI age, and Decision Hub spanning every account — not just a managed Chase-side portfolio.
14-day free trial. Then $9.99/mo Navigator.
Feature by featureHow they compare
| Feature | PeakWorth | J.P. Morgan Automated Investing |
|---|---|---|
Advisory fee | $9.99/mo | 0.35%/yr |
Underlying fund expense ratios | n/a — planning only | Rebated against advisory fee |
Account minimum | None | $500 |
Automated rebalancing | ||
Tax-loss harvesting | Not a standard feature | |
CFP access included | AI advisor on your numbers (Peak plan) | Not in this tier |
Holds and trades your assets | No — planning only | |
Multi-decade net worth projection | ||
FI age — when work becomes optional | Retirement-readiness check | |
Decision Hub (buy/rent, kids, job change) | Built-in | |
Tax-aware projections Household-wide, marginal bracket, withdrawal order | Within Chase accounts only | |
Account aggregation (full picture) | Chase / J.P. Morgan assets | |
Built for dual-income households | ||
Cost on $100k portfolio | $119.88/yr | $350/yr |
Cost on $500k portfolio | $119.88/yr | $1,750/yr |
Cost on $1M portfolio | $119.88/yr | $3,500/yr |
The real reasonsWhy people switch
- 0.35%/yr is slightly above Betterment and Wealthfront's 0.25% — the value is convenience inside the Chase app, not the lowest fee.
- Tax-loss harvesting isn't a standard feature here. If TLH is the reason to pick a robo, Betterment or Wealthfront are stronger choices.
- J.P. Morgan Automated Investing plans against your Chase-side portfolio. PeakWorth plans every account, every spouse, every major decision.
- On $500k, the robo is $1,750/yr forever. PeakWorth is $119.88/yr at any portfolio size.
Context
J.P. Morgan Automated Investing is the robo built into the Chase app — the same login as your checking and credit cards. The 0.35%/yr advisory fee is paid on the managed account; the underlying JPMorgan ETF expense ratios are rebated back so the all-in cost stays close to the headline fee. The $500 minimum is low.
The product's strength is convenience and ecosystem. The trade-offs are a fee slightly above the cheapest robos, no standard tax-loss harvesting, and the same single-institution planning view every brokerage robo carries.
Most PeakWorth users keep Chase / J.P. Morgan for the banking and (optionally) management piece and use PeakWorth as the planning layer that spans every account. For the category-level discussion, see /vs/robo-advisor.
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Run it through PeakWorthFrequently asked
Is J.P. Morgan Automated Investing really 0.35%?
Yes, the headline advisory fee is 0.35%/yr. The underlying JPMorgan ETFs the portfolio holds are rebated against the advisory fee, which keeps the all-in cost close to the headline. There are no separate trade commissions inside the managed account.
Does it do tax-loss harvesting?
Tax-loss harvesting is not a standard J.P. Morgan Automated Investing feature. If daily TLH on a taxable account is what you're after, Betterment or Wealthfront are stronger choices in the same robo category.
Should I use J.P. Morgan Automated Investing or just a regular brokerage?
If you want hands-off management inside the Chase app, the robo is fine. If you're comfortable picking three or four ETFs yourself, a regular Chase Self-Directed brokerage account avoids the 0.35%/yr advisory fee entirely. PeakWorth plans the household either way.
Does PeakWorth replace J.P. Morgan Automated Investing?
No — PeakWorth doesn't hold your money or place trades. The clean stack is the Chase robo (or any low-cost broker) for management and PeakWorth for the multi-decade plan, decision modeling, and AI advisor. See /vs/robo-advisor for the broader picture.
PeakWorth provides educational projections, not financial advice. We are not a registered investment advisor, broker-dealer, tax preparer, or attorney. Consult a licensed professional before making major financial decisions. Read full disclosures