Working out the best way to invest your money often starts with choosing the best investment platform. In this article, we compare robo-adviser J.P. Morgan Personal Investing (formerly Nutmeg) and investing app AJ Bell Dodl*, looking at their key features, charges and the types of investors they might be best suited for.
AJ Bell Dodl vs J.P. Morgan Personal Investing - which is better?
| AJ Bell Dodl | J.P. Morgan Personal Investing (formerly Nutmeg) | |
| Services | Investing app
Ready-made investment portfolios managed by AJ Bell Choice of 37 funds and 80 UK & US stocks |
Fixed Allocation portfolios
Fully Managed portfolios Socially Responsible portfolios Smart Alpha portfolios Thematic Investing Income Investing |
| Products | ISA, GIA (General Investment Account), Lifetime ISA, SIPP | ISA, GIA (General Investment Account), Lifetime ISA, Junior ISA and SIPP |
| Minimum investment | £100 or £25 monthly investment | £500 (£100 for JISA and LISA) |
| Platform fees | 0.15% annually (minimum £1 per month per product)
Additional underlying fund charges |
Fully managed, thematic investing, smart alpha portfolios, income investing and SRI
On the value of your portfolio up to £100,000 - 0.75% Over £100,000 - 0.35% Fixed allocation pots: On the value of your portfolio up to £100,000 - 0.45% Over £100,000 - 0.25% Additional underlying fund charges |
| Trustpilot Score | 4.6 out of 5.0 | 4.2 out of 5.0 |
| Money to the Masses offer | n/a | n/a |
AJ Bell Dodl vs J.P. Morgan Personal Investing - services
AJ Bell Dodl is an investing app with a streamlined selection of potential investments, with 37 funds and 80 UK & US shares available for users to include in their portfolios. AJ Bell Dodl also offers seven ready-made investment portfolios which are managed by AJ Bell.
J.P. Morgan Personal Investing, meanwhile, has a range of different ready-made, risk-rated portfolios, including some that offer socially responsible investing. As well as its standard range, J.P. Morgan Personal Investing also has Fixed Allocation and Smart Alpha portfolios, which target different types of investors, depending on how actively they want their portfolios managed.
J.P. Morgan Personal Investing also now offers Thematic investing allowing investors to invest in future trends through one of three future-focussed themes. These are Technological Innovation (including exposure to the growing use of A.I.), Resource transformation and Evolving Consumer. J.P. Morgan Personal Investing's thematic investment style provides a globally diversified, risk-adjusted portfolio with a tilt (up to 20% of equity exposure) towards your chosen theme.
AJ Bell Dodl vs J.P. Morgan Personal Investing - products
Both AJ Bell Dodl and J.P. Morgan Personal Investing have stocks and shares ISAs, General Investment Accounts, Lifetime ISAs and SIPPs. J.P. Morgan Personal Investing also offers a Junior ISA, which AJ Bell Dodl currently doesn't have in its range. If you are particularly interested in Junior ISAs, you may find our round up of the best JISAs interesting.
AJ Bell Dodl vs J.P. Morgan Personal Investing - minimum investment
If you want to open an account with J.P. Morgan Personal Investing, you will have to start with a larger amount than with AJ Bell Dodl. While J.P. Morgan Personal Investing requires a lump sum of £500 (or £100 for Junior ISAs and Lifetime ISAs), AJ Bell Dodl allows you to start with either £100, or a monthly investment of £25.
AJ Bell Dodl vs J.P. Morgan Personal Investing - Trustpilot reviews
In 2026, AJ Bell Dodl has a Trustpilot score of 4.6 out of 5.0 based on around 500 reviews. Approximately 79% of reviewers gave AJ Bell Dodl an "Excellent" score, citing its excellent customer service and ease of use. However, 6% rated it as "Bad", with some citing a slow complaints process. J.P. Morgan Personal Investing, on the other hand, has a 4.2 out of 5.0 score based on around 2,500 reviews. It scored lower than AJ Bell Dodl, but it does have a lot more reviews which may partly explain the discrepancy. Approximately 70% of reviewers gave J.P. Morgan Personal Investing an "Excellent" score, citing its efficient chat function and outstanding support team. But, another 15% rated it as "Bad", citing difficulties with withdrawing pensions or transferring funds.
AJ Bell Dodl vs J.P. Morgan Personal Investing - platform fees
AJ Bell Dodl's* fee model makes it one of the cheapest platforms in the UK. It charges just 0.15% per annum, per account, with no subscription fee or commission for buying or selling the underlying holdings. However, although the platform fee is low, there is a minimum payment of £1 per month per product, which means you'll ultimately have to invest more than £8,000 to get the 0.15% rate.
J.P. Morgan Personal Investing, meanwhile, charges 0.75% on the value of your portfolio up to £100,000 and 0.35% on amounts over that for fully managed pots. Fixed allocation pots are cheaper with fees of 0.45% on the value of your portfolio up to £100,000 and 0.25% on the value of your portfolio above £100,000.
Summary - AJ Bell Dodl vs J.P. Morgan Personal Investing
If you are looking for a robo-adviser that can take portfolio construction out of your hands and create a balance of investments that match your appetite for risk, J.P. Morgan Personal Investing is an attractive option. However, if you are happy to build your own portfolio - or choose from one of the AJ Bell ready-made portfolios that is available on the app - then AJ Bell Dodl* will undoubtedly work out cheaper. You also need to decide whether the simplified, app-only approach of AJ Bell Dodl is right for you, or whether you prefer the slightly more traditional approach that J.P. Morgan Personal Investing.
When investing, your capital is at risk and you may get back less than invested. Past performance doesn’t guarantee future results.
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