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Fidelity vs J.P. Morgan Self-Directed Investing 2026

StockBrokers.com

Written by StockBrokers.com

September 17, 2025

In this head to head comparison of Fidelity vs J.P. Morgan Self-Directed Investing, we will compare the trading platforms, mobile apps, range of investments, costs, market research, and more. Let's dive in.

Fidelity
5/5 Stars Overall
  • Minimum Deposit: $0.00
  • Stock Trades: $0.00
  • Options (Per Contract): $0.65
J.P. Morgan Self-Directed Investing
3.5/5 Stars Overall
  • Minimum Deposit: $0.00
  • Stock Trades: $0.00
  • Options (Per Contract): $0.65

Range of investments

Bottom line: Fidelity offers a wider range of investments than J.P. Morgan Self-Directed Investing, earning 5 stars for Range of Investments and a #2 ranking out of 14 brokers from StockBrokers.com, compared with J.P. Morgan’s 3.5 stars and #13 ranking. Both cover core needs, but Fidelity adds forex and crypto trading (3 coins), which J.P. Morgan does not support.

Both brokers let you trade stocks, use margin, buy fractional shares, access OTC stocks, invest in mutual funds, and trade options. Neither offers futures trading. The key difference is access to more asset types at Fidelity: forex is available and crypto trading spans 3 coins, whereas J.P. Morgan Self-Directed Investing offers neither.

For accounts and planning, both provide Traditional and Roth IRAs and offer advisor services. If you want the broadest menu of investments, including crypto and forex, Fidelity stands out; if you only need the basics like stocks, options, and mutual funds, both platforms can meet those needs.

Feature Fidelity logoFidelity
J.P. Morgan Self-Directed Investing logoJ.P. Morgan Self-Directed Investing
Stock Trading info Yes Yes
Account Feature - Margin Trading info Yes Yes info
Fractional Shares (Stocks) info Yes Yes
OTC Stocks info Yes Yes
Mutual Funds info Yes Yes
Options Trading info Yes Yes
Futures Trading info No No
Crypto Trading info Yes No
Crypto Trading - Total Coins info 3 0
Range of Investments 5/5 Stars 3.5/5 Stars

Dive deeper: Best Options Trading Platforms for 2026, Best Futures Trading Platforms for 2026

Trading platforms and tools

Bottom line: Fidelity outclasses J.P. Morgan Self-Directed Investing for trading platforms and tools. Fidelity earns 4 out of 5 stars and ranks #4 of 14 brokers at StockBrokers.com, while J.P. Morgan Self-Directed Investing scores 1 out of 5 stars and ranks #13. If you want desktop software (Windows or Mac), richer charting, and more flexible watch lists, Fidelity is the stronger pick. J.P. Morgan’s web platform can handle basic tasks, but it’s far more limited.

Platform access is where the gap starts. Fidelity offers downloadable platforms for both Windows and Mac, plus a browser-based platform. J.P. Morgan Self-Directed Investing only offers a browser-based platform—no Windows or Mac downloads. Neither broker supports paper trading, and only Fidelity includes a trading journal. Fidelity also lets you adjust open orders directly on a stock chart; J.P. Morgan does not.

Fidelity’s tools go deeper across the board: 92 watch list columns (vs. 20), 129 technical indicators (vs. 36), and 38 drawing tools (vs. 10). Fidelity supports notes on charts, shows historical trades, displays corporate events (both brokers do), enables custom date ranges, recognizes chart patterns automatically, and lets you save multiple chart profiles. J.P. Morgan lacks those features. Even small details favor Fidelity, like more SMA study settings (5 fields vs. 3). Neither broker allows fully custom studies.

Feature Fidelity logoFidelity
J.P. Morgan Self-Directed Investing logoJ.P. Morgan Self-Directed Investing
Web Trading Platform info Yes Yes
Desktop Trading Platform info Yes No
Desktop Platform (Mac) info Yes No
Paper Trading info No No
Watchlists - Total Fields info 92 20
Charting - Indicators / Studies info 129 36
Charting - Drawing Tools info 38 10
Advanced Trading 4/5 Stars 1/5 Stars

Dive deeper: Best Stock Brokers for 2026, Best Paper Trading Apps & Platforms for 2026

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Beginners and education

Fidelity and J.P. Morgan Self-Directed Investing both give beginner investors broad education across key topics: stocks, ETFs, options, mutual funds, and bonds. Each platform also provides educational videos and live webinars to help you learn at your own pace. Neither offers paper trading, so when you’re ready to apply what you’ve learned, you’ll be using real money.

Fidelity pulls ahead for structured learning. It adds interactive quizzes and lets you track your progress—features J.P. Morgan Self-Directed Investing does not include. That extra guidance helps new investors build skills step by step. Matching this, Fidelity is rated 5 stars for education and ranks #1 out of 14 brokers on StockBrokers.com, while J.P. Morgan Self-Directed Investing is rated 4 stars and ranks #4. Choose Fidelity if you want quizzes and progress tracking; pick J.P. Morgan Self-Directed Investing if videos and webinars cover what you need.

Feature Fidelity logoFidelity
J.P. Morgan Self-Directed Investing logoJ.P. Morgan Self-Directed Investing
Education (Stocks) info Yes Yes
Education (ETFs) info Yes Yes
Education (Options) info Yes Yes
Education (Mutual Funds) info Yes Yes
Education (Fixed Income) info Yes Yes
Videos info Yes Yes
Webinars info Yes Yes
Education 5/5 Stars 4/5 Stars

Dive deeper: Best Stock Trading Platforms for Beginners of 2026

Stock trading apps

Bottom line: Fidelity’s stock trading app experience outshines J.P. Morgan Self-Directed Investing. Fidelity earns 4.5 stars and ranks #3 out of 14 brokers for mobile apps, while J.P. Morgan scores 4 stars and ranks #10. Fidelity covers more features—like Apple Watch support, streaming quotes, live TV, videos on demand, richer charting, and after-hours charting—making it the stronger pick for traders who want more tools on the go. Both brokers offer iPhone and Android apps and support mobile options trading. Note: the data here doesn’t specify whether J.P. Morgan supports mobile after-hours trading.

Availability is broad for both: iPhone and Android apps are offered by Fidelity and J.P. Morgan. Only Fidelity adds an Apple Watch app. Fidelity supports mobile after-hours trading; J.P. Morgan’s status isn’t provided. For market data and media, Fidelity includes streaming quotes, streaming live TV, and videos on demand, while J.P. Morgan does not. Both brokers provide stock alerts, custom watch lists, and the ability to customize watch list columns.

Charting is a clear separator. Fidelity offers after-hours charting (J.P. Morgan does not), landscape mode on charts (both do), and multiple time frames (both do). Fidelity packs in 128 technical studies versus J.P. Morgan’s 36, and it lets you compare stocks on the same chart, a feature J.P. Morgan lacks. These deeper tools help explain Fidelity’s higher app rating (4.5 stars vs. 4 stars) and stronger ranking (#3 vs. #10).

Feature Fidelity logoFidelity
J.P. Morgan Self-Directed Investing logoJ.P. Morgan Self-Directed Investing
iPhone App info Yes Yes
Android App info Yes Yes
Apple Watch App info Yes No
Stock Alerts info Yes Yes
Charting - After-Hours info Yes No
Charting - Technical Studies info 128 36
Mobile Trading Apps 4.5/5 Stars 4/5 Stars

Dive deeper: Best Stock Trading Apps for 2026

Fees

Bottom line: Fidelity and J.P. Morgan Self-Directed Investing look very similar on everyday trading costs, but differ on a few money-saving details. Both have $0 minimum deposits, $0 stock commissions, and the same $0.65 per‑contract options pricing, plus $0 fees for options exercise and assignment. The key differences are in margin interest and exit fees: J.P. Morgan Self-Directed Investing is cheaper for margin balances under $50,000, while Fidelity is cheaper from $50,000 to $99,999. Fidelity also stands out with $0 IRA closure and $0 full ACAT transfer fees, where J.P. Morgan charges $75 for each.

Account and trading fees: Fidelity and J.P. Morgan Self-Directed Investing each require $0 to open an account and charge $0 for online stock trades. Options trading costs $0.65 per contract at both brokers, and both list $0 for options exercise and assignment. IRA annual fees are $0 at both firms. For leaving costs, Fidelity charges $0 for IRA closure and $0 for a full ACAT transfer, while J.P. Morgan Self-Directed Investing charges $75 for IRA closure and $75 for a full ACAT; partial ACAT transfers are $0 at both.

Margin rates: Under $25,000, Fidelity is 12.575% vs. J.P. Morgan Self-Directed Investing at 12.25% (J.P. Morgan cheaper). From $25,000 to $49,999, Fidelity is 12.075% vs. J.P. Morgan at 12% (J.P. Morgan cheaper). From $50,000 to $99,999, Fidelity is 11.125% vs. J.P. Morgan at 11.5% (Fidelity cheaper).

Feature Fidelity logoFidelity
J.P. Morgan Self-Directed Investing logoJ.P. Morgan Self-Directed Investing
Minimum Deposit info $0.00 $0.00
Stock Trades info $0.00 $0.00
Options (Per Contract) info $0.65 $0.65
Options Exercise Fee info $0.00 $0.00
Options Assignment Fee info $0.00 $0.00
IRA Annual Fee info $0.00 $0.00
IRA Closure Fee info $0.00 $75.00

Dive deeper: Best Free Trading Platforms for 2026

Day Trading

For those interested in day trading, Fidelity offers several features that can enhance the trading experience compared to J.P. Morgan Self-Directed Investing. Fidelity users benefit from streaming time and sales for stocks, providing real-time information crucial for making informed trading decisions. Additionally, streaming live TV is available with Fidelity, ensuring traders are up-to-date with the latest market news. Direct market routing and trading hotkeys are also part of Fidelity's offerings, alongside access to level 2 quotes and basic strategy backtesting, which can aid in executing more refined trading strategies. A unique short locator tool allows Fidelity customers to assess the real-time availability of shares available for shorting, a critical feature for active traders.

In contrast, J.P. Morgan Self-Directed Investing lacks several of these desirable features, potentially putting day traders at a disadvantage. Users do not have access to streaming time and sales data, live TV, or direct market routing, which are essential tools for making quick and informed trading decisions. Furthermore, trading hotkeys and level 2 quotes are absent, as is basic strategy backtesting. While neither platform supports ladder trading or offers advanced strategy backtesting and order liquidity rebates, Fidelity's offerings cater more comprehensively to the needs of day traders seeking detailed market data and tools.

Feature Fidelity logoFidelity
J.P. Morgan Self-Directed Investing logoJ.P. Morgan Self-Directed Investing
Streaming Time & Sales info Yes No
Streaming TV info Yes No
Direct Market Routing - Equities info Yes No
Level 2 Quotes - Stocks info Yes No
Trade Ideas - Backtesting info Yes No
Trade Ideas - Backtesting Adv info No No
Short Locator info Yes No

Dive deeper: Best Day Trading Platforms of 2026 for Beginners and Active Traders

Market Research

For market research, Fidelity pulls ahead of J.P. Morgan Self-Directed Investing. Both brokers cover the core asset classes and offer popular screeners, but Fidelity adds more depth and extras that matter day to day. That edge lines up with Fidelity’s 5-star rating and #1 of 14 ranking from StockBrokers.com, compared with J.P. Morgan Self-Directed Investing’s 4 stars and #7 ranking.

Each platform provides research for stocks, ETFs, mutual funds, OTC/pink sheets, and bonds, plus tools to view portfolio allocation by asset class. Both also include trade-idea screeners for stocks, ETFs, mutual funds, and bonds. Where they differ is in the quality and variety of insights: Fidelity offers seven downloadable stock research PDFs versus J.P. Morgan Self-Directed Investing’s two, provides downloadable ETF research reports (J.P. Morgan Self-Directed Investing does not), and supports stock research using social media sentiment and ESG analysis (J.P. Morgan Self-Directed Investing does not offer either). Neither broker provides downloadable mutual fund research PDFs.

If you want wider research sources and more downloadable reports to compare viewpoints, Fidelity is the stronger pick. If you just need the basics across major asset classes with standard screeners, J.P. Morgan Self-Directed Investing covers those needs well.

Feature Fidelity logoFidelity
J.P. Morgan Self-Directed Investing logoJ.P. Morgan Self-Directed Investing
Research - Stocks info Yes Yes
Screener - Stocks info Yes Yes
Research - ETFs info Yes Yes
Screener - ETFs info Yes Yes
Research - Mutual Funds info Yes Yes
Screener - Mutual Funds info Yes Yes
Research - Fixed Income info Yes Yes
Screener - Fixed Income info Yes Yes
Research 5/5 Stars 4/5 Stars

Banking

When comparing the banking features of Fidelity and J.P. Morgan Self-Directed Investing, there are distinct differences and similarities to consider. Fidelity does not offer traditional banking products like checking and savings accounts, whereas J.P. Morgan Self-Directed Investing provides both, giving users more options for everyday banking. Both services offer debit and credit cards, providing convenient payment methods for their users. In terms of borrowing, both offer mortgage loans, catering to customers in need of home financing. For those interested in growing their savings with certificates of deposit (CDs), both Fidelity and J.P. Morgan Self-Directed Investing offer this option. Overall, J.P. Morgan stands out for its comprehensive banking offerings, especially with its checking and savings accounts, while Fidelity remains competitive with its wide range of other financial products.

Feature Fidelity logoFidelity
J.P. Morgan Self-Directed Investing logoJ.P. Morgan Self-Directed Investing
Checking Accounts info No Yes
Savings Accounts info No Yes
Debit Cards info Yes Yes
Credit Cards info Yes Yes
Mortgage Loans info Yes Yes
Brokerage CDs info Yes Yes

Dive deeper: Best Brokerage Checking Accounts for 2026

Winner

After opening live accounts and testing 14 of the best online brokers, our research and live account testing finds that Fidelity is better than J.P. Morgan Self-Directed Investing. Fidelity finished with an overall score of 92.5%, while J.P. Morgan Self-Directed Investing finished with a score of 67.5%.

Fidelity is a value-driven online broker offering $0 trades, industry-leading research, excellent trading tools and an easy-to-use mobile app.

FAQs

Can you trade cryptocurrency with Fidelity or J.P. Morgan Self-Directed Investing?

Fidelity outshines J.P. Morgan Self-Directed Investing in the crypto trading arena by offering access to 3 cryptocurrencies, whereas J.P. Morgan provides no options for digital coin trading.

Dive deeper: Best Online Brokers for Crypto Trading in 2026

Does Fidelity or J.P. Morgan Self-Directed Investing offer IRAs?

Both Fidelity and J.P. Morgan Self-Directed Investing offer traditional and Roth IRA accounts with no annual fees; however, while Fidelity charges no fee for closing IRA accounts, J.P. Morgan Self-Directed Investing imposes a $75 closure fee.

Dive deeper: Best IRA Accounts for 2026

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Overall Rating Fidelity J.P. Morgan Self-Directed Investing
Overall 5/5 Stars 3.5/5 Stars
Range of Investments 5/5 Stars 3.5/5 Stars
Advanced Trading 4/5 Stars 1/5 Stars
Mobile Trading Apps 4.5/5 Stars 4/5 Stars
Research 5/5 Stars 4/5 Stars
Customer Service 4.5/5 Stars 4.0/5 Stars
Education 5/5 Stars 4/5 Stars
Ease of Use 4.5/5 Stars 3/5 Stars
Winner check_circle
Review Fidelity Review J.P. Morgan Self-Directed Investing Review
Broker Screenshots Fidelity J.P. Morgan Self-Directed Investing
Broker Gallery (click to expand)
Trading Fees Fidelity J.P. Morgan Self-Directed Investing
Minimum Deposit info $0.00 $0.00
Stock Trades info $0.00 $0.00
Penny Stock Fees (OTC) info $0.00 $0.00
Mutual Fund Trade Fee info Varies info $0
Options (Per Contract) info $0.65 $0.65
Futures (Per Contract) info (Not offered) (Not offered)
Broker Assisted Trade Fee info $32.95 Varies
Margin Rates Fidelity J.P. Morgan Self-Directed Investing
Margin Rate Under $25,000 info 12.575% 12.25%
Margin Rate $25,000 to $49,999.99 info 12.075% 12%
Margin Rate $50,000 to $99,999.99 info 11.125% 11.5%
Margin Rate $100,000 to $249,999.99 info 11.075% 11.25%
Margin Rate $250,000 to $499,999.99 info 10.825% 11.25%
Margin Rate $500,000 to $999,999.99 info 8.500% 10.5%
Margin Rate Above $1,000,000 info 8.250% 10% info
Account Fees Fidelity J.P. Morgan Self-Directed Investing
IRA Annual Fee info $0.00 $0.00
IRA Closure Fee info $0.00 $75.00
Account Transfer Out (Partial) info $0.00 $0.00
Account Transfer Out (Full) info $0.00 $75.00
Options Exercise Fee info $0.00 $0.00
Options Assignment Fee info $0.00 $0.00
Investment Options Fidelity J.P. Morgan Self-Directed Investing
Stock Trading info Yes Yes
Account Feature - Margin Trading info Yes Yes info
Fractional Shares (Stocks) info Yes Yes
OTC Stocks info Yes Yes
Options Trading info Yes Yes
Complex Options Max Legs info 4 1
Futures Trading info No No
Forex Trading info Yes info No
Crypto Trading info Yes No
Crypto Trading - Total Coins info 3 0
Fixed Income (Treasurys) info Yes Yes
Fixed Income (Corporate Bonds) info Yes Yes
Fixed Income (Municipal Bonds) info Yes Yes
Traditional IRAs info Yes Yes
Roth IRAs info Yes Yes
Advisor Services info Yes Yes
International Countries (Stocks) info 25 0
Order Types Fidelity J.P. Morgan Self-Directed Investing
Order Type - Market info Yes Yes
Order Type - Limit info Yes Yes
Order Type - After Hours info Yes No
Order Type - Stop info Yes Yes
Order Type - Trailing Stop info Yes No
Order Type - OCO info Yes No
Order Type - OTO info Yes No
Order Type - Broker Assisted info Yes Yes
Beginners Fidelity J.P. Morgan Self-Directed Investing
Education (Stocks) info Yes Yes
Education (ETFs) info Yes Yes
Education (Options) info Yes Yes
Education (Mutual Funds) info Yes Yes
Education (Fixed Income) info Yes Yes
Education (Retirement) info Yes Yes
Retirement Calculator info Yes Yes
Investor Dictionary info Yes No
Paper Trading info No No
Videos info Yes Yes
Webinars info Yes Yes
Progress Tracking info Yes No
Interactive Learning - Quizzes info Yes No
Stock Trading Apps Fidelity J.P. Morgan Self-Directed Investing
iPhone App info Yes Yes
Android App info Yes Yes
Apple Watch App info Yes No
Trading - Stocks info Yes Yes
Trading - After-Hours info Yes No
Trading - Simple Options info Yes Yes
Trading - Complex Options info Yes No
Order Ticket RT Quotes info Yes Yes
Order Ticket SRT Quotes info Yes No
Stock App Features Fidelity J.P. Morgan Self-Directed Investing
Mobile Research - Market Movers info Yes Yes
Stream Live TV info Yes No
Videos on Demand info Yes No
Stock Alerts info Yes Yes
Option Chains Viewable info Yes Yes
Watchlist (Real-time) info Yes Yes
Watchlist (Streaming) info Yes No
Mobile Watchlists - Create & Manage info Yes Yes
Mobile Watchlists - Column Customization info Yes Yes
Stock App Charting Fidelity J.P. Morgan Self-Directed Investing
Charting - After-Hours info Yes No
Charting - Can Turn Horizontally info Yes Yes
Charting - Multiple Time Frames info Yes Yes
Charting - Technical Studies info 128 36
Charting - Study Customizations info Yes Yes
Charting - Stock Comparisons info Yes No
Trading Platforms Fidelity J.P. Morgan Self-Directed Investing
Active Trading Platform info Active Trader Pro No
Desktop Trading Platform info Yes No
Desktop Platform (Mac) info Yes No
Web Trading Platform info Yes Yes
Paper Trading info No No
Trade Journal info Yes No
Watchlists - Total Fields info 92 20
Stock Chart Features Fidelity J.P. Morgan Self-Directed Investing
Charting - Adjust Trades on Chart info Yes No
Charting - Indicators / Studies info 129 36
Charting - Drawing Tools info 38 10
Charting - Notes info Yes No
Charting - Historical Trades info Yes No
Charting - Corporate Events info Yes Yes
Charting - Custom Date Range info Yes No
Charting - Custom Time Bars info Yes No
Charting - Automated Analysis info Yes No
Charting - Save Profiles info Yes No
Trade Ideas - Technical Analysis info Yes No
Charting - Study Customizations info 5 3
Charting - Custom Studies info No No
Day Trading Fidelity J.P. Morgan Self-Directed Investing
Streaming Time & Sales info Yes No
Streaming TV info Yes No
Direct Market Routing - Equities info Yes No
Ladder Trading info No No
Trade Hot Keys info Yes No
Level 2 Quotes - Stocks info Yes No
Trade Ideas - Backtesting info Yes No
Trade Ideas - Backtesting Adv info No No
Short Locator info Yes No
Order Liquidity Rebates info No No
Research Overview Fidelity J.P. Morgan Self-Directed Investing
Research - Stocks info Yes Yes
Research - ETFs info Yes Yes
Research - Mutual Funds info Yes Yes
Research - Pink Sheets / OTCBB info Yes Yes
Research - Fixed Income info Yes Yes
Screener - Stocks info Yes Yes
Screener - ETFs info Yes Yes
Screener - Mutual Funds info Yes Yes
Screener - Fixed Income info Yes Yes
Portfolio Asset Allocation info Yes Yes
Stock Research Fidelity J.P. Morgan Self-Directed Investing
Stock Research - PDF Reports info 7 2
Stock Research - Earnings info Yes Yes
Stock Research - Insiders info Yes No
Stock Research - Social info Yes No
Stock Research - News info Yes Yes
Stock Research - ESG info Yes No
Stock Research - SEC Filings info Yes No
ETF Research Fidelity J.P. Morgan Self-Directed Investing
ETFs - Investment Objective info Yes Yes
ETF Fund Facts - Inception Date info Yes Yes
ETF Fund Facts - Expense Ratio info Yes Yes
ETF Fund Facts - Total Assets info Yes Yes
ETF Fund Facts - Total Holdings info Yes Yes
ETFs - Top 10 Holdings info Yes Yes
ETFs - Sector Exposure info Yes Yes
ETFs - Risk Analysis info Yes No
ETFs - Ratings info Yes Yes
ETFs - Morningstar StyleMap info Yes Yes
ETFs - PDF Reports info Yes No
Mutual Fund Research Fidelity J.P. Morgan Self-Directed Investing
Mutual Funds - Investment Objective info Yes Yes
Mutual Funds - Performance Chart info Yes Yes
Mutual Funds - Performance Analysis info Yes Yes
Mutual Funds - Prospectus info Yes No
Mutual Funds - 3rd Party Ratings info Yes Yes
Mutual Funds - Fees Breakdown info Yes Yes
Mutual Funds - Top 10 Holdings info Yes Yes
Mutual Funds - Asset Allocation info Yes Yes
Mutual Funds - Sector Allocation info Yes Yes
Mutual Funds - Country Allocation info Yes Yes
Mutual Funds - StyleMap info Yes Yes
Options Trading Fidelity J.P. Morgan Self-Directed Investing
Option Chains - Total Greeks info 5 0
Option Analysis - P&L Charts info Yes No
Banking Fidelity J.P. Morgan Self-Directed Investing
Bank (Member FDIC) info No Yes
Checking Accounts info No Yes
Savings Accounts info No Yes
Credit Cards info Yes Yes
Debit Cards info Yes Yes
Mortgage Loans info Yes Yes
Customer Service Fidelity J.P. Morgan Self-Directed Investing
Phone Support (Prospective Customers) info Yes No
Phone Support (Current Customers) info Yes Yes
Email Support info Yes Yes
Live Chat (Prospective Customers) info Yes No
Live Chat (Current Customers) info Yes No
24/7 Support info Yes Yes
Overall Fidelity J.P. Morgan Self-Directed Investing
Overall 5/5 Stars 3.5/5 Stars
Range of Investments 5/5 Stars 3.5/5 Stars
Advanced Trading 4/5 Stars 1/5 Stars
Mobile Trading Apps 4.5/5 Stars 4/5 Stars
Research 5/5 Stars 4/5 Stars
Education 5/5 Stars 4/5 Stars
Ease of Use 4.5/5 Stars 3/5 Stars
Winner check_circle
Review Fidelity Review J.P. Morgan Self-Directed Investing Review
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