A career at Morgan Stanley means belonging to an ideas-driven culture that embraces new perspectives to solve complex problems. We’ll base our investment strategy and dynamically adjust your levels of risk based on the kind of goal you’re working toward. You can find more information about our methodology in Morgan Stanley’s ADV Brochure. From our origins as a small Wall Street partnership to becoming a global firm of more than 60,000 employees today, Morgan Stanley has been committed to clients and communities for 85 years. American Express may share information about your Card Account with Morgan Stanley in support of Morgan Stanley programs and services. Yes, You Can Be a Tech Innovator at Morgan Stanley, https://www.morganstanley.com/debitcardterms, https://www.morganstanley.com/wealth/investmentsolutions/pdfs/adv/mssb_privacynotice.pdf, $2,500 in total monthly deposits OR $25,000 in Average Daily Cash Balance (in the Bank Deposit Program), Additional eligible Morgan Stanley investment account, $5000 in total monthly deposits AND $25,000 in Average Daily Cash Balance (in the Bank Deposit Program), Distributions from a Morgan Stanley Retirement Account, Discretionary/Non-discretionary Advisory Account or program through Morgan Stanley's Advisory Program. Hi - Morgan Stanley offers several accounts that can be used as both cash and investment accounts, under the URL morganstanleyclientserv.com Automatic downloads from these accounts are supported in (removed), but not in either Quicken Windows or Quicken Mac. Morgan Stanley, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice and are not “fiduciaries” (under ERISA, the Internal Revenue Code or otherwise) with respect to the services or activities described herein except as otherwise provided in writing by Morgan Stanley. 7 Electronic payments arrive to the payee within 1-2 business days, check payments arrive to the payee within 5 business days. For more information, please refer to the CashPlus Account Disclosure Statement. * Certain terms, conditions, restrictions and exclusions apply. Then, we look at data from the U.S. Bureau of Labor Statistics Consumer Expenditure Survey for a picture of how you’ll likely spend while retired. Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. The Platinum Card® from American Express Exclusively for Morgan Stanley is issued by American Express National Bank. Morgan Stanley helps people, institutions and governments raise, manage and distribute the capital they need to achieve their goals. It cannot account for all factors associated with risk, including the impact of financial risk in actual trading or the ability to withstand losses or to adhere to a particular trading strategy in the face of trading losses. We analyze and modify your mix of investments to opportunistically reduce your overall portfolio risk profile. The oldest fund launched was in 1981. Because assets increase and decrease in value over time, the percentage amounts of assets invested in each class will tend to vary from their original target weightings. Performance of an asset class within a portfolio is dependent upon the allocation of securities within the asset class and the weighting or the percentage of the asset class within that portfolio. You should also discuss your options with your legal and tax advisor. Â. All funds are sold by prospectus, which contains more complete information about the fund. If you own any of the same securities in other brokerage accounts, you may be subject to wash sale rules. The list below includes examples of the factors that may be relevant to you when comparing and contrasting your options during your decision-making process. Because the hypothetical results are calculated over many years, small changes can create large differences in potential future results. Morgan Stanley Access Investing (“Access Investing”) is a digital investment platform that helps you identify and invest in your financial goals, whether that means investing for retirement, building wealth, or saving for a major purchase. Generally speaking, the withdrawal of tax-qualified or tax-deferred amounts can result in income tax liability where no such liability would exist if the amounts had been withdrawn from a taxable account. Although you can still adjust your Target Retirement Income as you see fit. FDIC insurance is a federal government program administered by the Federal Deposit Insurance Corporation. You may want to separately consider a 529 Plan or other tax-exempt investment options. In addition to the goal you have selected, you also provided us with certain suitability attributes directly, such as your age and risk tolerance. There will be no fees associated with closing your Morgan Stanley Access Investing account you will be entitled to a prorated refund of any pre-paid advisory fee based on the number of days remaining in the billing quarter after the termination date. Please refer to the MORGAN STANLEY ACCESS INVESTING Program ADV Brochure for further information about applicable fees. Tax laws are complex and subject to change. (LAL terms and conditions apply). Time Weighted Return means a return calculation that measures the investment performance of a portfolio over the reporting period. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services. You can find more information about how we build traditional and themed portfolios in Morgan Stanley’s ADV Brochure. We believe that a conservatively managed portfolio of liquid, high-quality debt securities issued by the -and- If you’re looking for professional guidance, you can open a separate full-service Morgan Stanley account with a Financial Advisor. You generally have four potential options regarding your qualified retirement plan assets: You can continue tax deferred growth potential by doing one of the following: Below are some of the factors you should keep in mind based on your individual facts and circumstances (including your personal investment goals) when considering rolling over your assets to an IRA rather than any of the other options mentioned above. Our insightful research, advisory and investing capabilities give us unique and broad perspective on sustainability topics. For a more detailed description of the investment models we use, please refer to the Morgan Stanley ADV Brochure. This is not a guarantee but an estimate given the information you provided and the analysis above. Monte Carlo simulations are used to show how variations in rates of return each year can affect your results. The actual rate of return on investments can vary widely over time. Morgan Stanley's global strategist has made a case that bitcoin is making progress towards replacing the U.S. dollar as the world's reserve currency. and/or Morgan Stanley Private Bank, National Association, each a national bank, Member FDIC, and an affiliate of MSSB. To receive money in minutes, the recipient’s email address or U.S. mobile number must already be enrolled with Zelle. More specifically, we determine your liquidity need and time horizon based upon the goal you selected and your age. Because of these high valuations, an investment in a growth stock can be more risky than an investment in a company with more modest growth expectations. The percentage of trials that were successful is shown as the probability that your strategy, with all its underlying assumptions, could be successful. Platinum CashPlus clients can get a $550 Annual Engagement Bonus if they have The Platinum Card® from American Express Exclusively for Morgan Stanley.     o  We will assume that your monthly deposits have stopped. It could be a forged check, part of a scam. An investment in a money market fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. If you plan to open a tax-advantaged account such as an IRA, please consider the IRS's annual contribution limits, which you can view on the IRS website.  Morgan Stanley does not provide tax or legal advice, so please visit www.irs.gov or talk to your tax advisor to learn more about IRS contributions and eligibility. Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY. *Morgan Stanley does not provide tax or legal advice.  For more information on IRA contributions and eligibility you can go to www.irs.gov. o   Health care innovation: Invest in the industry that impacts all of us, from general wellness to high-tech fields like genomics and personalized medicine. Even small changes in assumptions can have a substantial impact on the results shown in this material. Put your money behind the tech industries of the future. The GIC Asset Allocation Models have both strategic allocations (seeking to maximize returns in the long run) and tactical allocations (seeking to maximize returns over a shorter period). Growth investing does not guarantee a profit or eliminate risk.     o  If you selected to include Social Security income, we will assume that you will receive Social Security income as per our estimates. You can't change the type of goal (for example, transforming a Retirement goal into a Build Wealth goal) after opening an account, but you can create a new account and set up a new goal any time. In order to formulate our capital market assumptions, we look at the past performance of relevant indices which are used as a proxy for each of the asset classes that would be invested in your Morgan Stanley Access Investing portfolio. If you have provided additional income in Retirement, we will include this income in the projections. † The qualifying criteria to avoid the monthly account fee for all CashPlus Accounts in an Account Link Group (ALG) is:  an additional eligible Morgan Stanley investment account (that may include additional fees), one Morgan Stanley Online enrollment; for Premier CashPlus account $2,500 monthly deposit or $25,000 Average Daily Balance; for Platinum CashPlus account $5,000 monthly deposit and $25,000 Average Daily Balance. Take the tracking number from the FedEx package, enter the tracking number at www.FedEx.com, and see if it truly did come from Morgan Stanley. As such, this projected returns or income may not be a meaningful tool in determining how a strategy will actually perform. They should not be considered a guarantee of future performance or a guarantee of achieving overall financial objectives. We’ll ask you questions to help gauge your risk appetite, and use that information to suggest one of five risk levels for your portfolio. Performance of the GIC Asset Allocation Models should not be taken as a reflection of the performance of accounts managed by Morgan Stanley, and because the GIC Asset Allocation Models are not themselves investable, among other factors, the performance of your MORGAN STANLEY ACCESS INVESTING Program account may differ materially. The Platinum Card® from American Express exclusively for Morgan Stanley is issued by American Express National Bank, not Morgan Stanley Smith Barney LLC. ©2018 Morgan Stanley Smith Barney LLC. That is an option. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a retirement plan or account, and (b) regarding any potential tax, ERISA and related consequences of any investments made under such plan or account. And do it online with multiple layers of security. each individual, joint, etc.). When thinking about your money, the most important question is: What do you want to do? 6 Subject to connectivity and certain terms and conditions. We do this by changing your investment model, which results in a different asset allocation. Subject to device connectivity. Under the Bank Deposit Program, cash balances held in account(s) at Morgan Stanley are automatically deposited into an interest bearing FDIC‐insured deposit account(s), at Morgan Stanley Bank, N.A. Our board of directors and senior executives hold the belief that capital can and should benefit all of society. As a global financial services firm, Morgan Stanley is committed to technological innovation. Morgan Stanley will not verify any external holdings or account information. The information contained herein is subject to, and does not supersede the confirmations and account statements you receive from us and/or your external custodian. Especially since it was a check with their name on it. If you would like to have a financial plan prepared for you, please consult with a Morgan Stanley Financial Advisor. Your account may also be charged other fees and expenses. Investment Philosophy. You can also choose to set aside a portion of your overall portfolio toward a theme that focuses on a particular market trend or investment idea, like investing in gender diversity or next-wave technology. For a major purchase like a new home? There is no monthly account fee if the following criteria are met collectively across all CashPlus Accounts in your Account Link Group: For important account information please refer to the CashPlus Account Disclosure Statement. Federal Deposit Insurance Corporation (“FDIC”) — Cash balances swept into deposit accounts at participating banks in the Bank Deposit Program are protected by FDIC Insurance up to applicable FDIC limits. Domestic fund transfers must be made from an eligible account at Morgan Stanley Smith Barney LLC (Morgan Stanley) to a U.S.-based account at another financial institution. Under the Bank Deposit Program, generally cash balances held in account(s) at Morgan Stanley Smith Barney LLC (“MSSB”) are automatically deposited by MSSB into an interest bearing FDIC-insured deposit account(s), at Morgan Stanley Bank, N.A. Foreign cash in city office deals, Morgan Stanley finds Morgan Stanley has weighed up the amount of commercial property in Sydney and Melbourne bought by foreigners. It is a discretionary investment advisory account—which means we make financial decisions for you. Other considerations may apply to your specific situation. The GIC Asset Allocation Models do not represent actual trading or any type of account or any type of investment strategies and none of the fees or other expenses (e.g. Under the Bank Deposit Program, cash balances held in account(s) at Morgan Stanley are automatically deposited into an interest bearing FDIC‐insured deposit account(s), at Morgan Stanley Bank, N.A. Restrictions and other limitations apply. There are many factors, which include capital market performance, your own contributions and which specific goal you are saving toward. When providing you brokerage services, our legal obligations to you are governed by the Securities Act of 1933, the Securities Exchange Act of 1934, the rules of self-regulatory organizations such as the Financial Industry Regulatory Authority (FINRA), and state securities laws, where applicable. Plus, Extended Warranty*, Satisfaction Guarantee*, and Price Protection* from Mastercard3 with the Morgan Stanley Debit Card. In a Roth IRA, your contributions are taxed upfront--so you don't get a tax break the year you contribute--but you won't pay taxes on your earnings when you retire. For specifics and a greater explanation of possible risks with ETFs, please consult a copy of the ETFs prospectus. Differences between a brokerage and an investment advisory relationship: You should understand the differences between a brokerage and advisory relationship. Get answers to frequently asked questions, discover how to contact us around the globe and more. These multiple trials provide a range of possible results, some successful (you would have met all your goals) and some unsuccessful (you would not have met all your goals). If we determine that an adjustment is needed, we’ll automatically rebalance your investments to restore your portfolio to its target asset allocation and notify you that we have done so. If your selected goal is to retire or grow your money, all hypothetical projected values are expressed in real, or inflation adjusted, terms. For clients who want a fully digital means of pursuing their goals, Access Investing is simple to use and backed by the intellectual capital and investment expertise of Morgan Stanley. The answer was “to pay for managing the money.” But, they are obligated to pay you the full amount because a check is a promissory note. Automation? There are no account service, transaction, or termination fees. Investment giant Morgan Stanley is increasing its stake in MicroStrategy. © 2021 Morgan Stanley. Morgan Stanley Smith Barney LLC may compensate your Financial Advisor and other employees in connection with your acquisition or use of the Platinum Card® from American Express exclusively for Morgan Stanley. A new filing with the U.S. Securities and Exchange Commission (SEC) shows Morgan Stanley has purchased about 11% of the business intelligence, software and cloud-based services company.. MicroStrategy’s stock has soared since the company began buying massive amounts of Bitcoin. Prospectuses and current performance data are available on our website at www.morganstanley.com.  “On track” is a personal measurement that comes down to your individual situation and unique goals.  Or call your Morgan Stanley team to learn more. At Morgan Stanley, you’ll find trusted colleagues, committed mentors and a culture that values diverse perspectives, individual intellect and cross-collaboration. Morgan Stanley is responsible for implementing the model portfolio asset allocations in your MORGAN STANLEY ACCESS INVESTING account, as well as any reasonable restrictions you may impose. Enjoy unlimited ATM fee rebates worldwide. Morgan Stanley Money Market Account is available in state across the USA. Asset allocation, diversification and rebalancing do not assure a profit or protect against loss. BEARER CHECK Checks written out to “bearer” or “cash.” and UMB Bank, N.A. Cash balances generally include the uninvested cash in a client’s account(s) minus certain items such as purchase transactions due to settle within a specified time period, other charges to a client’s account(s), and cash balances that are designated as collateral for a client’s obligations. There is no guarantee that past performance or information relating to return, volatility, style reliability and other attributes will be predictive of future results. Hypothetical performance results do not represent the investment performance of actual portfolios trading in a certain strategy and are generally designed with the benefit of hindsight and are created on the basis of certain assumptions about short- and long-term risk and return forecasts of asset classes and global economic outlooks. (If you make withdrawals from an IRA earlier than your retirement age, you’ll pay taxes and penalties.). We offer portfolio choices based on your objectives and preferences - you can align your investments with your values, opt for a research-driven strategy that seeks to maximize returns, or focus on minimizing fees. $2,500 monthly deposit (or Social Security deposit in any amount) Across all our businesses, we offer keen insight on today's most critical issues. Morgan Stanley is not affiliated with Zelle. Note: You may not be eligible to open a Roth IRA if your income is above a certain threshold. This is only a recommendation: You can revise this amount higher to spend on more "extras" like travel and luxury items or lower if you plan to be more frugal. If you are transferring your assets out of Morgan Stanley using an ACAT as part of the account closure process, the ACAT fee will also be waived.Â. You will pay the operating expenses on the mutual funds and exchange traded funds (ETFs) in your portfolio. Morgan Stanley Funds Morgan Stanley is a company that sells mutual funds with $313,160M in assets under management. There are no trading costs to harvest your losses, and we’ll reinvest all the money we’ve “harvested” so you don’t lose out on market opportunities. We believe that an investment management program does not end with the initial selection of a strategy. We’ll use this information to recommend and manage a portfolio fitted to your timelines.Â. You will be alerted if you are at risk of missing your goals.Â. Check the background of Our Firm and Investment Professionals on FINRA's Broker/Check. This could be a good option if you expect to pay a higher tax rate in the future than you do now (for example, if you expect your income to go up). and/or Morgan Stanley Private Bank, National Association, each a national bank, Member FDIC, and an affiliate of Morgan Stanley Smith Barney LLC. We rely on our technologists around the world to create leading-edge, secure platforms for all our businesses. Global institutions, leading hedge funds and industry innovators turn to Morgan Stanley for sales, trading and market-making services. Picture: AAP We offer a few different kinds of Morgan Stanley Access Investing accounts*: This is a Morgan Stanley Access Investing account owned by a single person. Everything we do at Morgan Stanley is guided by our five core values: Do the right thing, put clients first, lead with exceptional ideas, commit to diversity and inclusion, and give back. For example, for an account with an annual fee of 1%, if the gross performance is 5%, the compounding effect of the fees will result in a new annual compound rate of return of approximately 3.95%. The Monte Carlo simulation provides projected, hypothetical performance of the investment model you have selected. SIPC AND FDIC COVERAGE UP TO APPLICABLE LIMITS[4]. Hypothetical performance results have inherent limitations. If there are discrepancies between your official account statement and this document, rely on your official account statement. Get Identity and Credit Protection provided by Experian®, including Monthly 3-Bureau Credit Reports, Real-Time Credit Alerts, and more. This insurance covers bank deposits held in checking accounts, savings accounts, certificates of deposits and money market deposits (not money market funds). Find Morgan Stanley Bank locations in your neighborhood, branch hours and customer service telephone numbers. Detailed information on federal deposit insurance coverage is available on the FDIC’s website (https://www.fdic.gov/deposit/deposits/). All rights reserved. Morgan Stanley Premier Cash Management does not charge fees on ATM transactions. If your goal includes a Partner, and both you and your Partner are retired:     o  If you selected to include Social Security income, we will assume that you (and your partner) will receive Social Security income as per our estimates. The actual performance shown is gross of fees – meaning it does not take into account the fees that would be charged to the account. According to the IRS, a wash sale occurs when you sell or trade stock or securities at a loss and within 30 days before or after the sale you buy substantially identical stock or securities. You can earn a $3,500 sign-up bonus for signing with a new broker — with one big catch Published: Feb. 25, 2020 at 12:13 p.m. The asset class hypothetical return assumptions leveraged in the Morgan Stanley Access Investing are based on what Morgan Stanley’s GIC believes are reasoned estimates of drivers of capital market returns and historical relationships. Instead, we'll invest a certain proportion in our core diversified strategy, and then invest an added percentage in Defense & CybersecurityÂ. ‐          Any other major purchase you plan to make. It's charged quarterly and based on your account balance, which means the actual amount could change over time as the value of your assets increase or decrease. You heard that right, if you have $1,000,000 in funds with Morgan Stanley, you could take advantage of their new Premier Cash Management Service and reward yourself for all your everyday finances. 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