J.P.Morgan Personal Investing Reviews 

Reply from J.P.Morgan Personal Investing

Updated Mar 11, 2026

Hello Iain,

I hope you are well!

Thank you for your feedback. Although, it is great to hear that you are pleased your experience contacting us over Live Chat– I’m sorry that you were disappointed by having to chase missing funds, and by our cash interest rate.

While we are an investment provider, it is possible to create a pot that is 100% allocated to cash within a GIA or Stocks and Shares ISA wrapper. However, these cash pots are not intended to be used for long-term savings. As such, this offering isn’t comparable to a traditional cash savings account, which is designed specifically for long-term cash deposits.

Over the long-term, investing in stocks and shares has the potential to make your money work harder for you than a cash ISA; Stocks and Shares ISAs do carry risk, however, and the value of your investments can go up and down.

Returns are largely influenced by the time you entered the market and how long you've been in the market. While market volatility is a normal part of investing, we recommend approaching investing as a long-term activity, three to five years, but ideally more, to ride out these periods. Knowing when the market will rise and fall is almost impossible so it’s important to keep your overall attitude to risk and volatility, and long term investment goals in mind, rather than reacting to short term market movements.

While we appreciate it can be difficult to see losses in your investments, taking the big picture view and understanding the fundamentals of investing over several years can make short-term volatility seem insignificant, so long as you have emergency funds in place and do not need to access the money immediately.

The below guides outline our cash offering in more detail and provide information on market volatility and long-term investing:

https://www.personalinvesting.jpmorgan.com/cash-in-your-portfolio
https://www.personalinvesting.jpmorgan.com/guides/volatility

Regarding the missing funds, we would appreciate the opportunity to look into this further, if this has not already been resolved.

We've kindly requested some additional information from you, via Trustpilot, in order for us to review your account and better understand the issue. Once you respond, we will arrange for a member of the team to reach out to discuss the matter further and work towards a suitable resolution.

Or if you would prefer, you can find further details on how to contact us, here:
https://support.personalinvesting.jpmorgan.com/?article=115000356912-Contact-us

Best wishes,
The J.P. Morgan Personal Investing Team

Reply from J.P.Morgan Personal Investing

Mar 11, 2026

Hello Neil,

Thank you for your feedback. I’m sorry that you were disappointed by the Pension Transfer process.

Note that, in order to move funds in a Pension to another Pension provider, the transfer will need to be actioned by the new provider. The new provider will then contact us with your instructions on how to handle the transfer.

Most pension transfers take between two and three weeks to complete, but some can take up to three months – depending on different circumstances, such as the receiving provider.

We always aim to do everything we can to make sure you receive the best possible service; however, we know that sometimes we don’t always get things right the first time. As such will always be willing to investigate any complaints with the aim of finding a suitable resolution to any concerns you may have. As we are not currently able to identify or access your account, we aren't able to provide specific details on your complaint. However, please rest assured that we take all complaints seriously at J.P. Morgan Personal Investing, giving it our full attention and making sure it’s dealt with by someone with the right knowledge and experience.

As per the Financial Ombudsman Service (FOS) rules, we have up to 8 weeks to handle all complaints. We appreciate that this may seem like a long time, however, it allows our specialist complaints team to carry out a full investigation into the matter at hand. If for any reason we were unable to resolve your concerns within this timeframe, and if your complaint is eligible for further action, we will always provide full contact details for The Financial Ombudsman Service.

We completely empathise with your frustrations and hope that our complaints team were able to resolve the issues you were having.

I hope the above serves to address your concerns. If you have any further queries, please reach out directly for additional support. Our dedicated London- and Edinburgh-based Client Services team is available Monday to Thursday – 9:00am to 5:30pm and Friday – 9:00am to 4:30pm and will be happy to look into this for you.

For information on how to contact us, please see the following link:

https://support.personalinvesting.jpmorgan.com/?article=115000356912-Contact-us

Best wishes,
The J.P. Morgan Personal Investing Team.