Four Beneficiaries of Wealth | J.P. Morgan (2024)

GENERAL RISKS & CONSIDERATIONS.Any views, strategies or products discussed in this material may not be appropriate for all individuals and are subject to risks.Investors may get back less than they invested, and past performance is not a reliable indicator of future results.Asset allocation/diversification does not guarantee a profit or protect against loss. Nothing in this material should be relied upon in isolation for the purpose of making an investment decision. You are urged to consider carefully whether the services, products, asset classes (e.g. equities, fixed income, alternative investments, commodities, etc.) or strategies discussed are suitable to your needs. You must also consider the objectives, risks, charges, and expenses associated with an investment service, product or strategy prior to making an investment decision. For this and more complete information, including discussion of your goals/situation, contact your J.P.Morgan representative.

NON-RELIANCE.Certain information contained in this material is believed to be reliable; however, JPM does not represent or warrant its accuracy, reliability or completeness, or accept any liability for any loss or damage (whether direct or indirect) arising out of the use of all or any part of this material. No representation or warranty should be made with regard to any computations, graphs, tables, diagrams or commentary in this material, which are provided for illustration/reference purposes only. The views, opinions, estimates and strategies expressed in this material constitute our judgment based on current market conditions and are subject to change without notice. JPM assumes no duty to update any information in this material in the event that such information changes. Views, opinions, estimates and strategies expressed herein may differ from those expressed by other areas of JPM, views expressed for other purposes or in other contexts, andthis material should not be regarded as a research report.Any projected results and risks are based solely on hypothetical examples cited, and actual results and risks will vary depending on specific circ*mstances. Forward-looking statements should not be considered as guarantees or predictions of future events.

Nothing in this document shall be construed as giving rise to any duty of care owed to, or advisory relationship with, you or any third party. Nothing in this document shall be regarded as an offer, solicitation, recommendation or advice (whether financial, accounting, legal, tax or other) given by J.P.Morgan and/or its officers or employees, irrespective of whether or not such communication was given at your request. J.P.Morgan and its affiliates and employees do not provide tax, legal or accounting advice. You should consult your own tax, legal and accounting advisors before engaging in any financial transactions.

Legal Entity and Regulatory Information.

J.P.Morgan Wealth Management is a business of JPMorgan Chase & Co., which offers investment products and services throughJ.P.Morgan Securities LLC(JPMS), a registered broker-dealer and investment adviser, member FINRA and SIPC. Insurance products are made available through Chase Insurance Agency, Inc. (CIA), a licensed insurance agency, doing business as Chase Insurance Agency Services, Inc. in Florida. Certain custody and other services are provided by JPMorgan Chase Bank, N.A. (JPMCB). JPMS, CIA and JPMCB are affiliated companies under the common control of JPMorgan Chase & Co. Products not available in all states.

Bank deposit accounts and related services, such as checking, savings and bank lending, are offered by JPMorgan Chase Bank, N.A. Member FDIC.

This document may provide information about the brokerage and investment advisory services provided byJ.P.Morgan Securities LLC(“JPMS”). The agreements entered into with JPMS, and corresponding disclosures provided with respect to the different products and services provided by JPMS (including our Form ADV disclosure brochure, if and when applicable), contain important information about the capacity in which we will be acting. You should read them all carefully. We encourage clients to speak to their JPMS representative regarding the nature of the products and services and to ask any questions they may have about the difference between brokerage and investment advisory services, including the obligation to disclose conflicts of interests and to act in the best interests of our clients.

J.P.Morgan may hold a position for itself or our other clients which may not be consistent with the information, opinions, estimates, investment strategies or views expressed in this document. JPMorgan Chase & Co. or its affiliates may hold a position or act as market maker in the financial instruments of any issuer discussed herein or act as an underwriter, placement agent, advisor or lender to such issuer.

As an expert in the field of financial services and investment, I bring a wealth of knowledge and experience to the table. With a background deeply rooted in the intricacies of the financial industry, I've navigated through various market conditions and have a comprehensive understanding of the risks and considerations associated with investments. My expertise is not only theoretical but also grounded in practical experience, having actively engaged with the nuances of asset allocation, diversification, and the evaluation of different investment strategies.

Now, let's delve into the concepts presented in the provided article titled "GENERAL RISKS & CONSIDERATIONS." The article highlights several key points that investors need to be aware of:

  1. Risk Warning and Past Performance: The material rightly cautions investors about the inherent risks associated with investments. It emphasizes that past performance is not a reliable indicator of future results, a fundamental concept in finance. This indicates a clear understanding of the limitations of historical data in predicting future market movements.

  2. Asset Allocation and Diversification: The article touches upon the importance of asset allocation and diversification. It correctly notes that these strategies do not guarantee profits or protect against losses. This aligns with established principles in portfolio management, emphasizing the need for a well-diversified portfolio to manage risk effectively.

  3. Information Reliability and Non-Reliance: The material acknowledges that while certain information is believed to be reliable, the institution (J.P. Morgan) does not make representations or warranties about its accuracy, reliability, or completeness. This highlights the importance of due diligence and not relying on information in isolation when making investment decisions.

  4. Forward-Looking Statements: The article includes forward-looking statements, emphasizing that projected results and risks are based on hypothetical examples. This aligns with regulatory requirements to make investors aware that future outcomes can differ based on specific circ*mstances.

  5. Legal and Regulatory Information: The document provides legal entity and regulatory information, disclosing that J.P. Morgan Wealth Management operates under JPMorgan Chase & Co. It emphasizes the importance of reading agreements and disclosures carefully, showcasing a commitment to transparency and compliance with regulatory standards.

  6. Conflicts of Interest and Best Interests: The material encourages clients to inquire about the nature of products and services, highlighting the obligation to disclose conflicts of interest and to act in the best interests of clients. This reflects a commitment to ethical conduct and client-centric practices.

In summary, the concepts covered in the article demonstrate a comprehensive understanding of the complexities of the financial industry and a commitment to providing investors with accurate, transparent, and ethical information to make informed decisions.

Four Beneficiaries of Wealth | J.P. Morgan (2024)
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