Closing access investing morgan stanley

Based upon your Investor Profile, together with the market guidance from the GIC, our proprietary algorithm will recommend an investment model strategy that we believe best fits your investment goal, risk tolerance, and financial needs. There is no assurance that a mutual fund will achieve its investment objective. The actual performance returns include all cash and cash equivalents, are time weighted, annualized for time periods greater than one year and include realized and unrealized capital gains and losses and reinvestment of dividends, interest and income. To the extent that the assumptions made do not reflect actual conditions, the illustrative value of the hypothetical projected performance will decrease. We ask a few simple questions to learn about you.

Asset allocation is the most important decision you will make when it comes to investing. So why do so many investors get it so wrong?

Frequently Asked Questions. 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. Morgan Stanley Access Investing is designed for people who are looking for a simple, easy way to invest online with Morgan Stanley. It is a discretionary investment advisory account—which means we make financial decisions for you. Unlike a brokerage account where you authorize each trade, this account enables us closijg make trades on your behalf when we believe that doing so is in your best .

A solid robo offering from Morgan Stanley aimed at affluent millennials

Asset allocation is the most important decision you will make when it comes to investing, in addition to the decision to just get started. Essentially, asset allocation is the decision surrounding what percentage of your investments should be in equities vs. This has everything to do with your specific investing goals, even if you have many at once. The flip side is also true. I started in this business in or , during the technology boom. Despite sitting with certain clients and showing them the risks they were taking—many had too much concentration in technology stocks—some of them went against our advice. This pursuit of grand slams destroyed their retirement.

Smart investing, simplified

Frequently Asked Questions. 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.

Morgan Stanley Access Investing is designed for people who are looking for a simple, easy way to invest online with Morgan Stanley. It is a discretionary investment advisory account—which means cloisng make financial decisions for you.

Unlike a brokerage account where you authorize each trade, this account enables us to make trades on your behalf when we believe stanleyy doing so is in your best. Access Investing is a digital platform, so all of your interactions with Morgan Stanley will be entirely online and through electronic communications. If your financial situation is more complex, you might require a broader range of investment options, which are available through a full-service Morgan Stanley account, which includes the assistance of a Financial Advisor.

Morgan Stanley does not provide tax or legal advice, so please visit www. The annual fee for Morgan Stanley Access Investing is 0. 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. There are no account service, transaction, or termination fees.

You will pay the operating expenses on the mutual funds and exchange traded funds ETFs in your portfolio. You will not be charged load or short-term redemption fees when mutual funds are bought and sold in your portfolio. 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.

Additionally, if you are closing a retirement account, the IRA termination fee will be waived. This is a Morgan Stanley Access Investing account owned by a single person. The main benefit of this type of account is flexibility: you can withdraw your cash when you choose. You’ll pay taxes on any investment earnings. 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.

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. However, keep your IRA annual contribution limits in mind. You can also transfer funds through ACH once your external bank account has been set up in our. We support rollovers of cash from IRAs, k stanleey and other qualified plans.

Morgan Stanley Access Investing is only available to legal residents of the United States who are 18 years or older. In order to recommend a suitable investment strategy, we use your investor profile, along closiing other goal parameters and market assumptions described in the Important Information disclosure.

In addition to the goal you have selected, you also provided us with certain suitability attributes directly, such as your clozing and risk tolerance. We then assign to your investor profile certain other suitability attributes based upon the information you provide. More specifically, we determine your liquidity need and time horizon based upon the goal you selected and your age. Additionally, we assign an investment objective and primary financial need to the goal you specified.

Finally, we will adjust these suitability attributes to align with your risk tolerance. Depending upon when your account is opened and funded with the minimum investment amount, actual funds invested in your account may differ from the funds referenced in your proposal.

In most cases, your starting asset allocation will aim for higher returns in the near term by taking on more risk. We do this by changing your investment model, which results in a different asset allocation. For example, we would reduce risk by gradually taking on mutual funds or ETFs that have a lower proportion of equities and with a greater emphasis on generally safer lnvesting income. However, if you aren’t comfortable with the level of risk in the investment model we recommend, you can always change it by choosing a less risky investment model.

While we still reduce your risk over time, we won’t put you in a model that’s riskier than your risk tolerance or the investment model you selected. Risk tolerance is personal. When you tell us how much risk you think you can handle, remember to consider investign comfortable you are with short-term fluctuations in the value of your investments, as well as your longer-term investment goals.

We analyze and modify your mix of investments to opportunistically reduce your overall portfolio risk profile. While we still reduce your risk over time, we won’t put you in a model that’s riskier than your own tolerance or the investment model you selected. The Global Investment Committee provides a range of asset allocation models for various risk profiles.

They are arranged from 1 through 5 in a general progression from conservative Model 1 through moderate to aggressive Model 5 risk profiles. Active investing involves using human portfolio managers to harness research and their own experience to pick and choose investments.

Because active investing is generally more expensive, many stock-pickers fail to beat the market by enough to offset their management costs. A mix of active and passive might be an appropriate strategy for some investors, while others may prefer all passive investments because of their tax efficiency, lower premiums, treatment of dividends and. Your portfolio is designed to have an ideal mix of different investments, which may «drift» over time due to contributions, withdrawals and market conditions.

We monitor your portfolio every day to see if your assets have drifted from our recommended range. Keep in mind that asset allocation, diversification and rebalancing do not assure a profit or protect against loss. Consult your tax advisor to understand potential tax implications before implementing a rebalancing strategy. If you choose, Morgan Stanley Access Investing can monitor your account to find potential for tax-loss harvesting opportunities.

According to the IRS, a wash sale occurs when you sell or trade stock or securities at a loss and within 30 closing access investing morgan stanley before or after the sale you buy substantially identical stock or securities. There is no guarantee that any harvesting request will achieve any particular tax result. Morgan Stanley acdess not provide you with any tax advice in connection with tax-loss harvesting. Tax-loss harvesting may adversely affect the investment performance of your account.

Moreover, the wash sale protection describe above is only applicable to your Access Investing accounts. If you own any of the same securities in other brokerage accounts, you may be subject to wash sale rules. In order to formulate qccess 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.

We base the graph on the initial and ongoing contribution amounts you told us you would invest, as well as the projected performance of your current investment model. We apply a constant rate of inflation to your future contributions. To keep things simple, our forecast assumes that your investments will be held in a taxable account, because it gives us the most conservative view inveeting potential growth over time and that you’re not going to make any withdrawals until your goal’s end date.

To project the hypothetical portfolio growth, we run thousands of simulations, using different rates of return, to forecast which outcomes appear the most likely. If your selected goal is to retire or grow your money, all hypothetical projected values are expressed in real, or inflation adjusted, terms.

That is, they exclude the effect of inflation over time. For all other goals, we show you hypothetical projected values in nominal terms — that is, they are not inflation adjusted. This is not a guarantee but an estimate given the information you provided and the analysis.

Please refer to the Important Information at the bottom of this page for a more detailed description of our methodology. There are many factors, which include capital market performance, your own contributions and which specific goal you are saving. You will be alerted if you are at risk of missing your goals.

Morgan Stanley Access Investing is built around the things that matter most to you—like retirement or building your stamley wealth. Every account is structured around a specific goal, enabling you to invest with the appropriate level of risk for. You can’t change the type of accesa 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.

You may want to separately consider a Plan or other tax-exempt investment options. We recommend and manage a portfolio for you based on a number of different factors, including:. Your risk tolerance: How morgwn are you with taking on financial risk? Your goal: Are you saving for retirement? For a major purchase like a new home? We offer portfolio choices based on your objectives and preferences — you can align your ivnesting with your values, opt for a research-driven strategy that seeks to maximize returns, or focus on minimizing fees.

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. How you invest is as important as why you invest. Morgan Stanley Access Investing lets you choose from a closing access investing morgan stanley of investing strategies that align with the things you care.

Digital closinh Put your money behind the tech industries of invewting future. That is an option. However, you need to consider all of your options and make an informed decision based on your own particular facts and circumstances. You should also discuss your options with your legal and tax advisor. 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 stxnley any of the other options mentioned.

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. Other considerations may apply to your specific situation. Please note that the importance of any particular factor will depend on your unique circumstances, including your financial needs and personal retirement strategy:. To estimate how much money you’ll want to «make» each year you’re retired, we think about how much you need in order to maintain your lifestyle when you stop working.

Instead of just guessing at this number by applying inflation to your current income, we dig deeper. First, based upon your current annual income, we estimate how much you might be earning at the time you retire, using historical income growth data from the Center for Economic and Policy Morgzn. Then, we look at data from the U. Based on atanley data, we’ll suggest a target annual retirement income to comfortably maintain your lifestyle.

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. From there, you can set up a monthly deposit, review your new projections, and save to continue. Although you can still adjust your Target Retirement Income as you see fit. If you have monthly deposits set up, the projections will update as soon as the cash is deposited into your account.

You can always ihvesting to setup, stop or skip the monthly deposits.

Ready to invest in what matters to you?

It does not reflect the performance of an actual portfolio, investment or account. For a major purchase like a new home? However, keep your IRA annual contribution limits in mind. Iinvesting GIC Asset Allocation Models are not available to be directly implemented as part of an investment advisory service and should not be regarded as a recommendation of any Morgan Stanley investment advisory service. You can call us at Projection at age The account setup process for Morgan Stanley Access Investing is easy and intuitive. 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. 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. Invesing upon your Investor Profile, together with the market guidance from the GIC, our proprietary algorithm will recommend an investment model strategy that we believe best fits your investment goal, risk tolerance, and financial needs. However, please note, the projections do not consider any ingesting made earlier in the current year. Fees and Expenses : Both qualified retirement plans mofgan IRAs typically involve investment-related expenses and plan or account fees.