We assess the key features - including the fees they charge, the portfolios they offer, and their performance - to help you decide which one is best for you.
Wealthify vs J.P. Morgan Personal Investing - which is better?
The table below outlines the key features of both Wealthify and J.P. Morgan Personal Investing.
Key features of Wealthify vs J.P. Morgan Personal Investing
| Wealthify (an Aviva company) | J.P. Morgan Personal Investing (formerly Nutmeg) Fully Managed | |
| Minimum investment | £1,000 (£500 for JISA) | £500 (£100 for Junior ISA and Lifetime ISA) |
| Management Fee | ISA, General Investment Account (GIA) & Junior ISA - 0.60% flat fee
SIPP - 0.60% up to £100,000, then 0.30% for any portion of a portfolio over £100,000 |
Up to £100,000 - 0.75%
Over £100,000 - 0.35% |
| Underlying investment charges (on average) | 0.15% (0.58% for its ethical range) | 0.16% to 0.39% |
| Products | ISA, General Investment Account, Junior ISA and SIPP, Instant access savings account | ISA, General Investment Account, Junior ISA, Lifetime ISA and SIPP |
| Number of portfolios | 5 | 10 |
| Ethical portfolios | 5 | 10 |
| Other options | N/A | Thematic investing, Income investing |
| Customer reviews (Trustpilot) | 4.4 | 4.2 |
| Money to the Masses offer | N/A | N/A |
Wealthify vs J.P. Morgan Personal Investing - minimum investment
If you are looking to try out a robo-adviser but don't have a large sum of money available to invest, J.P. Morgan Personal Investing has a minimum investment of just £500, while Wealthify has a minimum of £1,000. Those wishing to invest in a Junior ISA can start with as little as £100 with J.P. Morgan Personal Investing or £500 with Wealthify. J.P. Morgan Personal Investing also offers a Lifetime ISA with a minimum investment of £100.
Wealthify vs J.P. Morgan Personal Investing - products
As you would expect, both J.P. Morgan Personal Investing and Wealthify offer stocks and shares ISAs and general investment accounts (GIAs). They also both have the option of a Junior ISA (JISA), as well as a SIPP, with J.P. Morgan Personal Investing also having a Lifetime ISA (LISA) in its stable of products. This means that unless you meet the criteria and have the desire to take out a LISA, there is very little difference between J.P. Morgan Personal Investing and Wealthify in terms of their product range.
To find out more about LISAs, read our article "Lifetime ISAs explained - are they the best way to save?"
Wealthify vs J.P. Morgan Personal Investing - portfolios
Overall, J.P. Morgan Personal Investing has much more choice than Wealthify in terms of the number of portfolios it offers, with 10 risk-rated options in its Fully Managed range, compared with 5 for Wealthify. For J.P. Morgan Personal Investing, these are simply numbered from 1 to 10, with 10 representing the highest level of risk with a greater exposure to equities. Wealthify's portfolios are categorised as Cautious, Tentative, Confident, Ambitious and Adventurous. Both J.P. Morgan Personal Investing and Wealthify offer ethical versions of these portfolios, which we go on to discuss in the next section of this review.
What sets J.P. Morgan Personal Investing apart from Wealthify is the fact that, in addition to its Fully Managed portfolios, it also has a cheaper range of Fixed Allocation portfolios, as well as a more sophisticated suite in its Smart Alpha portfolios offering. In addition, J.P. Morgan Personal Investing now offers Thematic investing, allowing investors to gain exposure to particular themes, such as technological innovation, which invests in things like robotics, cyber security and AI. For the purposes of this review, we're simply comparing J.P. Morgan Personal Investing's Fully Managed portfolios with Wealthify's 5 standard portfolios. You can read more about J.P. Morgan Personal Investing's Fixed Allocation, Smart Alpha portfolios (powered by J.P. Morgan Asset Management) and Thematic investing in our independent J.P. Morgan Personal Investing review.
Wealthify vs J.P. Morgan Personal Investing - ethical portfolios
Both J.P. Morgan Personal Investing and Wealthify have ethical portfolios that use a combination of mutual funds and ETFs that tie in with each company's socially responsible investing agenda, as well as replicating the risk levels of their standard portfolios. This means J.P. Morgan Personal Investing has 10 ethical portfolios, while Wealthify has 5.
The management fees associated with the ethical options from J.P. Morgan Personal Investing and Wealthify are the same as for their standard portfolios, although the underlying investment costs are slightly higher. J.P. Morgan Personal Investing's ethical portfolios have an underlying investment cost of around 0.23%, compared with 0.18% for its Fully Managed portfolios, while Wealthify charges 0.58% for its ethical range, compared with 0.15% for its original portfolios.
Wealthify vs J.P. Morgan Personal Investing - performance
J.P. Morgan Personal Investing has a 10+-year track record for its Fully Managed portfolios, while Wealthify has around 7 years of past performance figures. With the difference in timeframes, as well as the fact J.P. Morgan Personal Investing has twice as many portfolios, it can be difficult to draw direct comparisons across the two companies. As an overview, the table below shows the performance of each Wealthify portfolio in 2025 alongside the equivalent J.P. Morgan Personal Investing portfolios.
Comparison of Wealthify and J.P. Morgan Personal Investing performance in 2025
| Wealthify performance 2025 | J.P. Morgan Personal Investing (formerly Nutmeg) performance 2025 | |
| Wealthify Cautious vs J.P. Morgan Personal Investing Portfolio 2 | 6.08% | 6.90% |
| Wealthify Tentative vs J.P. Morgan Personal Investing Portfolio 3 | 8.02% | 8.10% |
| Wealthify Confident vs J.P. Morgan Personal Investing Portfolio 5 | 9.93% | 10.20% |
| Wealthify Ambitious vs J.P. Morgan Personal Investing Portfolio 6 | 11.58% | 11.30% |
| Wealthify Adventurous vs J.P. Morgan Personal Investing Portfolio 7 | 12.95% | 12.40% |
The results demonstrate that in 2025, J.P. Morgan Personal Investing outperforms Wealthify across the lower-risk portfolios and Wealthify outperforms J.P. Morgan Personal Investing across the higher-risk portfolios. We saw a similar pattern in 2024 and 2023. It is important to remember, however, that past performance isn't always a guide to future performance. For a more detailed look at the performance of Wealthify and J.P. Morgan Personal Investing, check out our article "Which is the best performing stocks and shares ISA?"
Summary: Wealthify vs J.P. Morgan Personal Investing
Both J.P. Morgan Personal Investing and Wealthify represent good options for investors who either don't have the time or experience to take a more active interest in their investment portfolios. They both provide a low cost, user-friendly experience and provide a good range of portfolios to suit all risk appetites. Wealthify's flat-fee structure makes it more cost-effective for those with smaller amounts to invest, while those with an ISA, General Investment Account or Junior ISA pot larger than £100,000 would be better served by J.P. Morgan Personal Investing's 0.35% management fee.
In terms of additional features and services, J.P. Morgan Personal Investing has more on offer, with its Fixed Allocation and Smart Alpha portfolios servicing investors with specific needs or interests. It also stands out by offering personal finance advice, which is a paid-for service, as well as a Lifetime ISA.
You can read our full reviews of J.P. Morgan Personal Investing and Wealthify here.
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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