You Invest by J.P. Morgan Review

Joseph Meyer
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You Invest Overview

If you are interested in learning about the stock market and investing, then the You Invest site is a great place to start.

The main page features a number of short teaser videos about things like how to invest, getting started, and how to invest for retirement. The videos are certainly not comprehensive in and of themselves, but they do a good job of giving you an idea of the types of things you might be interested in learning about.

You can get directly to the main content of the site by clicking on the tab labeled Investing Tips and Ideas. Once you do that, you’ll see that the site is broken down into the following two areas:

  • Investing Strategies
  • Invest in the News

Let’s look more closely at what’s available in each of those areas.

Investing Strategies

There are quite a few articles here, and they run the gamut of investing topics from market forecasts to specific strategies to increase the value of your portfolio. These articles are written and updated by J.P. Morgan, so you can trust the information to be solid.

Some of the articles that are available include:

Upcoming Economic Events: This article highlights upcoming economic events that may impact the financial markets. Then, it evaluates these events to determine their probable effect on your portfolio.

What You Invest Offers

The book, It's Coming to a Wall Near You, is for anyone who is serious about investing.

From the beginning, John C. Dvorak and Michael Steven Morgan share a methodology for investing that relies heavily on investment research and data. Most of the books on investing I have read over the course of the 30 years I’ve been investing focus much of the time on someone’s opinion. Dvorak and Morgan steer clear of that methodology. They believe that if the market says to buy a stock, they believe it. If the market says it’s time to get out, they get out. I like it because it removes emotion from the equation.

Next, they share the results of their 5-year study on a variety of different investment strategies. This information is based on real results. It is not speculation.

They give you the bullet points from the 5-year study they ran on the methods that will increase your standard of living over the next several years.

They share what methods you can use for your own portfolio.

They also include instructions on how to create your own free account on their website that will allow you to track the market yourself using their strategies so that you can practice your own investment skills with your own money.

Benefits of You Invest

By J.P. Morgan

Offers a full range of investment and advisory products and services including 529 college savings plans, small business retirement plans, asset management, insurance, home loans, bank accounts, and credit cards. It also offers investment advisory services such as investment planning and implementation of qualified retirement plan and college savings plan. It offers investment programs and services for individuals, trusts, business owners, and accredited charities. It serves individual investors, families, businesses, institutions, and charities located in the United States.

You Invest by J.P. Morgan supports retirement plans such as 401(k)s, traditional IRAs plans, SEP-IRAs, Keoghs, SIMPLEs, and Roth IRAs. The company focuses on the individual investor and provide its customers with a full range of investment and advisory services including investment planning and implementation of qualified retirement plan and college savings plans. It offers investment programs and services for individuals, trusts, business owners, and accredited charities. Its products include cash management products and services, which comprise checking accounts and personal lines of credit among other products and services. The company was founded by John Pierpont Morgan in 1856 and is headquartered in New York, New York.

How Does You Invest Work?

You Invest is a free managed account service offered by J.P. Morgan, which provides powerful tools to make your portfolio-building efforts much more manageable. The benefits of a You Invest account are obvious for any investor regardless of their individual levels of experience or interest in trading.

Please note that these are only the benefits you will get using You Invest.

Their website is constantly changing and more features are incorporated when needed based on the user feedback.

You Invest offers you three main ways to invest in certain securities, and depending on your preference, you can choose from one or all three of the following methods:

They offer some of the best options when it comes to investment and the service would definitely be worth taking.

They have developed a sort of pyramid that includes these different aspects:

Your money is safe, insured by the U.S Federal Deposit insurers up to a certain amount at all times.

Your portfolio will be managed by expert traders who have many years of experience doing this.

You can choose between three different types of instruments to invest into: Mutual Funds, ETFs and Options. Whether you prefer to minimise risk or maximize your profit, you should be able to find what you need.

You have three different ways to invest into these instruments as well:

Account Set Up

Once you have selected the account in which you want to invest, it’s time to complete the sign-up process. To become a client, you will need to supply your full name, address, and phone number. This level of contact is necessary for J.P. Morgan to remain in contact if there is a change in the market or if there is a problem with your account.

You will also need to provide identification. To obtain the account access you need to fax or e-mail your original passport, driver’s license, or birth certificate, according to this J.P. Morgan webpage article.

After you have provided the information requested, it is your responsibility to open an account in a manner that is fastest for you. There are multiple account options from which to choose.

Trading Terms

Investing and Financial Terms- You Invest by J.P. Morgan Review

Trading Terms

Asset Allocation: The percentage of your portfolio that is allocated to different asset classes.

Bear Market: A downturn in the financial market over a period of time.

Bull Market: An upward trend in the financial market over a period of time.

Distribution: A payment that a company makes from its earnings to increase shareholder value. Appropriate distributions can boost a stock price.

Equities: Shares of stock or ownership interests of a company.

Financial Advisor: Someone who can help you manage your finances, recommending investments.

Financial Risk: The possibility that a company or market sector will not provide the returns you expect.

Fixed-Interest Security: A financial instrument with a fixed return.

Forward Contract: An agreement for a future sale or purchase at a specified price.

Investment: The act of placing your money in something with the expectation of financial gain.

Liquidity: The ease with which an investment can be traded without significantly affecting its price.

Margin: An additional amount of money that you borrow from your broker to trade stocks.

Markup: Extra amount charged by the dealer or broker.

Over-The-Counter Transaction: A trade conducted with a dealer rather than on an organized exchange.

Portfolio Builder

According to Investopedia, investing in the stock market is a three phase process:

  • Investment selection
  • Monitoring
  • Rebalance

Let’s take a closer look at how J.P. Morgan’s Portfolio Builder (review) software app addresses each of these phases. This way you can decide whether it’s the right tool for the job.

Investment Selection

As a prospective investor, you should have some kind of investment criteria and goals in mind. These should include the amount of risk you’re willing to take, what your timeline is for investing, the types of investments you want to invest in, and how you’d like to invest.

Once your criteria are defined and you start evaluating different investment opportunities, you’ll need to come up with a final list of suitable investment candidates.

J.P. Morgan’s Portfolio Builder software app does a great job of helping you define your criteria, evaluate your investment options, and develop a list of suitable investment candidates.

Cost of You Invest

By Morgan J.P.

Investing can be broken down into four fundamental areas – savings, diversification, heuristics, and process.

Until you’re knowledgeable of these four core areas, it may be like putting a house together one piece at a time.

There is a fifth area. This fifth area emphasizes that you are your 1st line of analyst and researcher.

You’ll desire a book that explains investing from the ground up in a manner that someone who is new to investing can use and understand.

If you think about it, most books are aimed at people who already have knowledge of investing – people who have been investing for many years.

J.P. Morgan's book could be the one to help you on your investing journey by highlighting the 5 fundamental areas that you need to be aware of when investing.

You can begin this journey by reading Amazon's chapter one summary of Investing By J.P. Morgan.

Alternatives to You Invest

By J.P. Morgan

While no formal You Invest by J.P. Morgan stats exist, we can get a general idea of how popular the app is by looking at how many average downloads the top finance apps are pulling in. For example, Mint pulls around 2.4 million downloads per month, and Quicken pulls in over 600,000. The average mobile finance app pulls in about a quarter of a million downloads per month. Given these averages, it’s not too surprising that You Invest by J.P. Morgan has achieved nearly 2,500 downloads in total. But, the app is still in its infancy, so the number of downloads isn’t necessarily what we should be looking at when determining how popular the app is; the number of active users is a better metric. We don’t know how many active users the app has, but its popularity continues to grow. This increased interest in mobile investing can probably be attributed to how apps in general are becoming more popular. In 2014, app usage outnumbered PC usage for the first time ever. And the trend shows no signs of slowing down. For more information, check out our post on the rise of mobile devices in investing.

What Makes Chase You Invest Unique?

You Invest by Chase is a robo advisor that uses robo-advisor technology and human advisors to invest your money. It’s an advice-based platform with a focus on long-term wealth creation. Before investing, Chase looks at your current financial position. If you don’t have an emergency fund and if you can’t pay your bills, Chase will help you figure out fund priorities and create a pathway to achieve those goals.

Chase manages your money using Smart Portfolio. Smart Portfolio uses users’ profiles to calculate their investments. Smart Portfolios are a set of pre-determined asset allocations that’s chosen for your risk profile.

When you’re on the Smart Portfolio page, you’ll see the asset allocation for your Smart Portfolio and you can see how you’re progressing towards your goals. If you don’t like the Smart Portfolio allocations, you can reposition your investments through a Custom Smart Portfolio. A Custom Smart Portfolio is similar to the Smart Portfolio but you get to customize your mix of stocks and bonds.

Affordable Account Monitoring

Reading from Bloomberg and WSJ seem overwhelming. The amount of data, data churn and stuff to try to comprehend is just too much to handle. I personally like the New York Times, but it is one of the most expensive newspapers in the world.

If you want to dig deep into reading about investing from J.P. Morgan, it won’t be cheap. Their services are very exclusive and they only offer to those who can afford their services. What they do offer is something for people who want to get on the road to investment but don’t know where to start.

This review is all about the J.P. Morgan online services. You can look into other information about J.P. Morgan in other sources.

Educational Resources

The first finance book every student should read is Security Analysis by Benjamin Graham.

For some reason, a lot of major finance books are written by academic-minded authors, who believe that the best way to approach higher finance is through academia. These books have little touches of academic mumbo-jumbo, and can be a bit off-putting for the no-nonsense mind.

Benjamin Graham, however, revolutionized finance and tried to approach it as a science. He even tried to use mathematics and investing as a way to understand the social and human factors behind it.

Security Analysis by Benjamin Graham is getting a lot of play in academia and finance circles these days, as the focus has shifted from a business with just numbers.

Targeted Investment Strategy

This is one of the best investment books that you can read on the subject of investing. The book has been written by the legendary financial analyst William P. Stanley and it details the area of investment management through a report written by J.P Hill.

The book is pretty short and can be read in one or two evenings. So it doesn’t require any much time to go through the whole thing. But it definitely seems to be well worth it. I don’t think you would get any better quality content on any other investment book out there in the market today.

So what do you get out of this book about investing?

Bill Stanley covers the different classes / sectors of stocks he recommends. The discussion here is very detailed and comprehensive. Bill has put into consideration stocks from all major industries such as consumer goods, systems, energies, mining, etc. and deems them worthy investments based on certain attributes.

The second part of the book details a shift in the positive outlook for the stock market. At this point in time, Bill Stanley already knows that the economy is going to experience a major contraction. So he begins this part of the book, with a negative investment outlook.

Advantages and Disadvantages of You Invest

By J.P. Morgan Review

J.P. Morgan’s digital platform, You Invest, is an online brokerage service that offers self-directed trading in stocks, ETFs, options, and mutual funds. Users can also easily trade currencies and precious metals. Additional services, such as online portfolio management and Wealth Management, are offered to clients with assets exceeding certain thresholds. All J.P. Morgan clients can also claim free consultations with a variety of third-party financial professionals.

This broker is among the most established in the U.S. and has an excellent reputation in the industry. However, the company has not been heavily active in the online brokerage business so far.

While You Invest wants to position itself as a viable online brokerage for financial beginners, it also offers high-end services to experienced investors. Moreover, the platform is meant to be a full-service package for beginning investors. Thus, there are some unique aspects to J.P. Morgan’s digital brokerage.

Pros of Chase You Invest

By J.P. Morgan:

~ Compounded interest on your money is a great way to grow your money over time.

~ You can also grow your money without the cost of investing with a dividend reinvestment program.

~ You do not have to adhere strict rules for taxation filing since you personally own the stocks.

~ You get access to a professionally-managed portfolio in this powered by J. P. Morgan.

~ You can register online and start within a few minutes by answering some questions about your investment goals, risk tolerance, current financial picture and investing experience.

Cons of Chase You Invest

  • The fees are not as low as other discount brokers
  • You must have a fairly hefty minimum investment to take advantage of it
  • The security of your investments is quite dependent on this company
  • A number of clients had problems with their accounts disappearing from Chase systems

Bottom Line

The book reviews five important accomplishments of J.P. Morgan, detailing his work with copper, steel, railroads, telegraphs, and electricity. Those five are the cornerstones for most businesses needed today. The book shows how Morgan created stability in an industry where the stakes were high.

We learn that Morgan was a man with a vision that was able to translate that into a business plan that could be followed by others in his employ. He takes on investment risks and emerges from failures requiring capital with an increased amount of capital.

His role as a financier and his business style were important in the success of the Trust and the creation of today’s large corporations. The wise investor takes the advice of the “old man”. Watch the marketplace; it’s a place where fortunes can be lost or made.

He was a patriot who saw the need for the U.S. to maintain its power and, therefore, became an important force behind the construction of the Panama Canal. He believes the Canal to be the best solution to help maintain access to the oceans and the East and West coasts.

Morgan develops the National Shipbuilding Corporation and the Electric Boat Company, both of which would continue the creation of national strength.