Yes, you can transfer eligible retirement assets (like an IRA or an old 401(k)) into your J.P. Morgan Self-Directed Investing account. To help keep the move tax-advantaged, you may be able to complete a direct rollover (for an old employer plan) or an IRA-to-IRA transfer, typically into the matching account type (for example, Traditional IRA to Traditional IRA or Roth IRA to Roth IRA). This can help avoid withholding and reduce the risk of unintended taxes.

1. To get a bonus, open a new J.P. Morgan Self-Directed Investing account and add at least $5,000 in qualifying new money from outside JPMorgan Chase within 45 days.
2. After 45 days, your bonus depends on how much qualifying new money you added:
   • $5,000 to $24,999 gets you $50 
   • $25,000 to $99,999 gets you $150
   • $100,000 to $249,999 gets you $325
   • $250,000 or more gets you $1,000
3. Keep the new money in the account for 90 days (market losses don't count against you).

The bonus will be added to your account within 15 days after meeting these conditions. You can only get one bonus per year.

Qualifying new money comes from moving cash, transferring securities (e.g., stocks, ETFs, mutual funds, fixed income, and others) or rolling over existing retirement assets (e.g., IRA, 401(k)) from another institution within 45 days of account opening. These assets qualify as net new money and can be transferred in-kind, meaning they are not sold and no taxes are triggered. Assets transferred from JPMorgan Chase or its affiliates are not eligible.

You can fund your Self-Directed Investing account by moving cash, transferring investments or rolling over existing retirement assets from another financial institution.

Moving external assets from other financial institutions is easy with our online transfer tool on chase.com and the Chase Mobile^® app. Here’s how:

• Go to Investments by J.P. Morgan, select your new Self-Directed Investing account, and click on “Fund your account”.
• Choose between transferring money, securities, or rolling over an IRA, old 401(k) or other employer plans.
• Please note that certain securities are not eligible to be transferred online and must be sold before submitting your request.
• When rolling over a 401(k), you may need to contact your current plan administrator and have them make the check payable to "J.P. Morgan Securities LLC." Use the Chase QuickDeposit^SM tool in our app to do this with maximum convenience.

Typically, digital transfers of investments from a J.P. Morgan or external investment account to another investment account are considered non-taxable events and do not have tax implications. However, certain exceptions may apply, such as transfers between different account types (e.g., IRA to a taxable brokerage account), or if specific assets (like some mutual funds, fractional shares, or non-publicly traded securities) cannot be transferred in-kind and must be sold.

For more details, please review the information provided during the transfer process or consult your tax advisor.

Traditional IRAs:

• Tax Benefits: Contributions may be tax-deductible, which can reduce your taxable income for the tax year to which the contribution applies.
• Growth: Earnings grow tax-deferred, meaning you don't pay taxes on them until you withdraw.
• Withdrawals: Withdrawals are taxed as ordinary income; required minimum distributions start at age 73. If you are under age 59 ½ you may have to pay an additional 10% tax for early withdrawal.

Roth IRAs:

• Tax Benefits: Contributions are made with after-tax dollars, so they are not tax-deductible, but qualified distributions are tax-free.
• Growth: Earnings grow tax-free, providing potential tax-free income in retirement.
• Withdrawals: Contributions can be withdrawn anytime without penalties; no required minimum distributions, but if you are under age 59 ½ you may have to pay an additional 10% tax for early withdrawal.

Eligible customers typically receive the bonus within 15 days after meeting the offer requirements, including funding the account with qualifying new money and maintaining the balance for the required period.