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JP Morgan Chase IRA Fees Review (2025)
JP Morgan Chase IRA Roth IRA, SEP/Simple IRA, traditional, and 401K rollover IRA. JP Morgan Chase retirement
account rating, pros, cons, fees, and offers.
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JP Morgan Chase IRA Review
J.P. Morgan Investing clients trading in taxable accounts may want to switch to IRAs. The firm offers Traditional and Roth IRAs with the same tools as taxable accounts.
IRA Modes at J.P. Morgan Investing
You can open a self-directed IRA or an advisory IRA. J.P. Morgan Advisors, an affiliate, offers human-planner services and other IRA types like SIMPLE IRAs.
Chase IRA Minimums and Fees
J.P. Morgan Investing charges no commissions on trades for any account. There is no minimum deposit and no ongoing fees.
However, there is a $75 IRA closeout fee, which many brokers have dropped but Chase still charges.
Tradable Assets
Clients can trade all U.S. ETFs, plus stocks, bonds, mutual funds, closed-end funds, and options.
Self-directed IRAs have about 3,000 mutual funds, all of which are no-load, no-transaction-fee products. There are also 189 lifecycle (target-date) funds that automatically shift to safer investments over time.
To find these funds, go to Investments → Find investments → Search mutual funds, then select the “Target Date” tile.
One example is the American Century One Choice 2040 Fund (ARDVX). It has a 3-star Morningstar rating, a 0.84% expense ratio, a $2,500 minimum, annual December dividends, and a 4.6% yield last year.
Opening an IRA at J.P. Morgan Investing
You can open an IRA on the J.P. Morgan Investing website or mobile app using the same platforms as Chase Bank. Click “CLICK TO OPEN ACCOUNT” and select your IRA type.
Right now, new IRAs funded with at least $25,000 get a $125 bonus if kept for 90 days. This offer ends January 19, 2025.
Rollover Service
You can roll over a 401(k) or other employer plan into a Chase IRA. On the website, go to Pay & transfer → Transfer securities.
Click “learn more” on the rollover tile, then hit “Get Started” and follow the prompts. You’ll need to contact your old plan administrator to move the assets.
IRA Transfer
You can also transfer an IRA from another broker. Open your Chase IRA, then go to Pay & transfer → Transfer securities → From an external financial institution.
Choose your old broker (like Robinhood, Fidelity, or E*Trade) or search for it, then follow the steps. The transfer takes under two weeks.
Chase IRA Contributions and Withdrawals
To add or take out money from a Chase IRA, go to Pay & transfer in the top menu and choose Transfer money. Don’t use the Transfer securities link for this.
On the Transfer money page, link an external bank account and set up an ACH transfer. You can pick a future transfer date and schedule repeating transfers.
Chase Retirement Advice
Self-directed clients have access to many lifecycle mutual funds.
To add a glide path fund, your IRA must have at least 10 years before the target date and a risk profile set to moderate, growth, or aggressive.
Portfolio Builder
If you skip managed funds and lifecycle funds, you can use Portfolio Builder. This tool on the website creates an ETF mix based on your inputs. You’ll need to rebalance it yourself using simple web tools.
Portfolio Builder is free but requires at least $2,500 in your account. You’ll find it under Investments on the website.
Retirement Education
The J.P. Morgan Investing site has some articles in Research under Investments. Examples include:
- Starbucks' Fiscal 2025 Outlook Offers Limited Visibility, Analysts Say
- China Holds $6 Billion Worth Of Crypto, Could 'Kill' Crypto Markets If It Wishes
- Self-Storage Is Big Business
For retirement-focused content, go to am.jpmorgan.com under Insights. You’ll find tools on:
- Roth IRA conversion
- Median nursing home costs
- Types of annuities
- Retirement spending
- Charitable IRA rollovers
- Power of attorney
- Asset transfers
Other Financial Services
J.P. Morgan Investing doesn’t offer annuities, long-term care, or life insurance for IRAs.
Best IRA Accounts
Chase Investment IRA Review Assessment
Chase IRAs work well in many areas. They’re an especially good choice for Chase customers who want all their accounts under one login.
Updated on 4/8/2025.
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