Co-founder of Affari Miei
February 29, 2024
If you are considering taking out an investment with… fundi JP Morgan or you’ve heard about it and are looking for it opinions you are in the right place because in this article we will try to give a complete overview and understand what is best to do.
Let’s start.
This article talks about:
Who is JP Morgan
JP Morgan is a multinational financial services company, its headquarters are in New York and, together with Citigroup, Wells Fargo and Bank of America, it is part of the so-called Big Four of the USA and is one of the world‘s leading asset management companies.
We are therefore talking about one of the most serious and important companies in the world in the sector which has been active for over 180 years.
In Italy JP Morgan caters both to private clients who can subscribe to the funds and to a dense network of placement entities which are, in most cases, banks and consultants.
JP Morgan: fund investments
As you can also see from the official site, the supply of funds is endless. Being one of the most important companies in the world and given the history, it can be said that you can truly find everything.
With JP Morgan you can practically invest in any asset class, from shares to bonds, obviously including any sector or geographical area.
JP Morgan makes both available to investors actively managed funds That passive fundsMeaning what ETF.
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JP Morgan opinions: It’s extremely difficult
As I have loved to say for years, when they ask me questions that require a blunt answer I usually say:
“DEPENDS”.
Even in this case, I cannot give you any opinions on JP Morgan’s funds straight away because the question is generic, in itself, and is not sufficient or in any case is not able to provide me with enough information to be able to express myself.
Why are you interested in JP Morgan Funds?
Based on my many years of experience, I can say that the cases in which I am asked questions like this are the following:
You have subscribed to a fund and are unsure or looking for confirmation: if so, the error is probably at the root. When you invested you didn’t have a strategy, without the strategy you are at the mercy of emotions and with every doubt you don’t know where to start;
They have proposed a specific fund to you and you are looking for opinions online: as you have seen, there are a lot of funds and there is no general opinion on a company which, in itself, is a global giant. The doubts I can raise concern the individual products or their adherence to your strategy and your risk profile.
In this regard, I leave you some reviews of specific funds, so if you have subscribed to this fund or are thinking of subscribing to it, you can find detailed information:
Finance is personal precisely because, depending on each individual, the characteristics subjective ones that determine a judgment on a choice.
My general thoughts on fund investing
That said, on Affari Miei I have been helping my readers and students solve the problem of how to invest their money for years.
Since JP Morgan funds are part of two categories, I offer you a series of resources that you can read to learn more.
#1 Actively Managed Funds
Regarding actively managed funds, my assessment is on average negative. This is because these products present a series of critical issues which, 9 times out of 10, do not make the investment convenient for the customer.
For further information you can read:
#2 Passively Managed Funds (ETF)
JP Morgan also offers ETF which, unlike actively managed funds, are rarely offered by banks.
The reason can be summarized in a few lines: because banks have no profit margins from offering ETFs.
This is a topic that I have been addressing for years, to learn more about it you can read the following articles:
I want to be clear with you: I am absolutely not against investing with JP Morgan, I would have no reason to. I can’t tell you with certainty whether or not it’s worth investing with these funds, precisely because I don’t know your personal and financial situation, so I can’t tell you or even give you precise indications.
In this regard, I refer you to a more in-depth study, in order to then be able to make better decisions aimed at investing your savings in the best possible way.
Conclusions
This article is intended as a starting point, if you are looking for investment advice you are dealing with a serious and complex topic that requires the right in-depth analysis.
If you are at the beginning of your journey, you can start with the following contents:
Good continuation on Affari Miei.
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