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Deloitte Compliant Portfolios

Our expert team individually selects investments to comply with Deloitte's independence rules and actively manages your portfolio for you.

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Capital at risk. Terms and conditions apply.

To ensure your portfolio is compliant

To invest in a Deloitte compliant portfolio, enter your Deloitte email address below, and use the same Deloitte email to register for your J.P. Morgan Personal Investing account. Failure to do so could risk your funds being invested in a non-compliant portfolio. If you’re an existing client and need to switch to a Deloitte compliant portfolio, or you're a partner/spouse or immediate family member of a Deloitte employee, please contact us for further details.

Choose Fully managed as your investment style

Use your Deloitte email address

Deloitte and its affiliates are subject to rules and regulations relating to Audit Independence governed by the Securities and Exchange Commission, the Public Company Accounting Oversight Board, Financial Reporting Council, International Ethics Standards Board for Accountants and Code of Ethics for Professional Accountants (“Independence Rules”). Deloitte and its affiliates have established policies and procedures in order to assist Deloitte personnel in complying with the Independence Rules (“Independence Rules and Policies”), which restrict certain of such Deloitte personnel; and their immediate family members from holding securities of certain attest clients of Deloitte, its affiliates, and related entities. Smart Alpha, Thematic Investing, Income Investing, Socially Responsible and Fixed Allocation investment styles are not available as J.P. Morgan Personal Investing D-portfolios.

As with all investing, your capital is at risk. The J.P Morgan Personal Investing D-portfolio investments conform with Deloitte restrictions and will therefore have some different investments compared to our standard Fully Managed portfolios. The performance and investment fund costs and charges may vary as a result. Model portfolios shown during the sign up process will not demonstrate the underlying assets in an appropriate independent portfolio. These portfolios simply illustrate the likely asset allocations for your selected risk level.

Why choose us?

Take control

Choose the risk level right for your goals and preferences.

Stay on track

See how your pot is performing and exactly where you're invested.

Trust the experts

Our expert team will manage your investments and keep you updated.

Get support from our wealth experts

We offer free financial guidance to all our investors, and can help you understand how our Deloitte portfolios are set up.

Book a free call

Our products

Invest in a range of products for whatever your goal is – all expertly managed by our in-house investment team.

Stocks and Shares ISA

Lifetime ISA

Junior ISA

Personal Pension

What you'll pay for to invest

It's free to join us. The only fee is for our experts to manage your money, plus the cost and market spread of the funds we buy into for you. We also provide year-round free access to our insights, free financial guidance when you need it, and regular updates to investors straight from our investment desk.

Check our fees

Terms & Conditions

Introduction

1. J.P. Morgan Personal Investing Limited (“J.P. Morgan Personal Investing”) provides specially constructed investment portfolios, comprising investments which have been individually selected to comply with Deloitte LLP (“Deloitte”) independence rules. These portfolios are referred to in these Deloitte Compliant Portfolio T&Cs as a “D-Portfolio(s)”.

 

2. Our Standard Terms and Conditions, as amended and supplemented by these D-Portfolio T&Cs, contain the terms that apply to our services and your D-Portfolio. Together, they form the legal contract between you and us. You should read both sets of terms before applying for a D-Portfolio. The capitalised words in these D-Portfolio T&Cs have the same meaning as in our Standard Terms and Conditions, unless they are expressly given a different meaning here. The Stocks and Shares ISA, Junior ISA, General Investment Account, Lifetime ISA, Pension, transfers and withdrawals are subject to and governed by our Standard Terms and Conditions and the applicable law. Should a conflict arise between these terms and our Standard Terms and Conditions, these terms shall prevail.

 

3. By accessing our services through this webpage, you will be investing your money in a D-Portfolio, comprising investments which have been individually selected to comply with Deloitte’s independence requirements. You will be able to select your own Investment Parameters for your D-Portfolio, as described further in section 4 of our Standard Terms and Conditions.

 

Who are D-Portfolios available to?

4. These portfolios are applicable to new clients opening a Stocks and Shares ISA, a Junior ISA, a General Investment Account, a Lifetime ISA, a Pension and a 100%-cash pot.

 

5. These portfolios are open to new clients only. New clients are individuals who:

a. have not invested with, or used the services of, J.P. Morgan Personal Investing before; and

b. in our reasonable opinion, are capable of being accepted as a client of J.P. Morgan Personal Investing, in accordance with the requirements of our Standard Terms and Conditions, and all applicable law.

 

Setting up your account and declaring your investments

6. To invest in a D-Portfolio and for your account to be set up correctly, you must ensure to select Fully Managed as your investment style during the sign-up process.

 

7. These portfolios are not available, and cannot be managed, in any other Investment Style.

 

8. By accepting these Terms & Conditions you authorise us to share with Deloitte information about your investments in the D-Portfolio to allow the required monitoring as prescribed by Deloitte Independence Rules and Policies.

 

9. In accordance with the Independence Rules and Policies, when you first invest in a D-Portfolio, you will be expected to declare such investments as prescribed by the relevant Deloitte procedures.

 

10. The D-Portfolio investments conform with Deloitte Independence Rules and Policies and will therefore have some different investments compared to our normal Fully Managed portfolios. The performance and investment fund costs and charges may vary as a result.

 

11.  In order to invest in the D-Portfolio, you will have to satisfy the following requirements:

a. Follow the D-Portfolio sign up process as described above.

b. If you wish to open a Stocks and Shares ISA/General Investment Account/Pension, you will have to fund the Product with our Standard minimum opening deposit of £500.

c. If you wish to open a Stocks and Shares Lifetime ISA/Junior ISA, you will have to fund the Product with our Standard minimum opening deposit of £100.

 

Charges

12. The D-Portfolio will have some different investments compared to our normal Fully Managed portfolios. The performance and investment fund costs and charges may also vary as a result.

 

13. The D-Portfolio investments will be charged a fee in accordance with the Schedule of Fees and Charges.

 

What happens when you are no longer a Deloitte employee/member?

14. Under the Terms of this offer, we will build and manage the D-Portfolios for Deloitte personnel, while they remain employed by the firm.