Morgan Stanley Access Investing Account


How To Find And Use Your Morgan Stanley Login

Morgan Stanley to offer some clients access to bitcoin funds: Sources

Visit the Morgan Stanley homepage. In the upper-right corner, youll find a box labeled Client Login. Click on it and use the drop-down menu to select Morgan Stanley Online. Enter your username and password. Click Log in. From there, you should be logged in to the Morgan Stanley online portal.

Morgan Stanley American Express Platinum Card

The Morgan Stanley American Express Platinum Card is only available to eligible Morgan Stanley clients. Not a Morgan Stanly client? Dont worry. Ill explain how you can be one below.

  • Annual fee of $695, not waived the first year
  • Currently has a 100,000 Membership Rewards points signup bonus after $6,000 spend in six months
  • 5 x points on flights booked directly with airlines or through American Express Travel
  • 5 x points on prepaid hotels booked through American Express Travel
  • 1 x point on everything else
  • Hilton Honors and Marriott Bonvoy Gold status
  • $200 airline incidentals credit
  • $100 Saks Fifth Avenue credit
  • $240 digital entertainment credit
  • $300 Equinox credit
  • $200 Hotel credit when booking a prepaid Fine Hotels and Resorts or Hotel Collection stay through American Express Travel
  • $179 CLEAR credit
  • Global Lounge Collection access including Centurion Lounges, Delta SkyClubs, and Priority Pass Lounges, etc.
  • Cell phone protection up to $800 when you pay your monthly cell phone bill with your American Express Platinum Card
  • And more

In my opinion, this is the best version of the Platinum Card for two reasons. First, you can receive a $695 bonus, which covers the entire cost of the annual fee, every year if you meet certain Morgan Stanley requirements . Secondly, this is the only version of the American Express Platinum Card where you can add an authorized user for FREE. All the other versions charge $175 to add an authorized user.

Register For Morgan Stanley Online

Go to, select Create Username and enter your identification information. Verify your identity and protect your online security by answering security questions and entering a registration code. Choose a Username and Password, then enter and confirm your preferred email address.

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Morgan Stanley Wealth Management Review

Morgan Stanley Wealth Management is the wealth management division of the investment bank Morgan Stanley. The division serves individuals, families, businesses and institutions. Morgan Stanley Wealth Management offers a range of services, including wealth planning, investment management, estate planning and IRAs and other retirement solutions. It operates in all 50 states, plus Washington, D.C.

Opening An Account With Morgan Stanley Wealth Management

Access Investing

Finding a nearby Morgan Stanley Wealth Management financial advisor, branch or private wealth advisor is as simple as going to the wealth management section of the firms website and entering your zip code. Youll be provided with a list of nearby financial advisors, as well as the advisors certifications, areas of focus and websites. You can then contact an advisor to discuss the process or set up an appointment.

To enroll in one of Morgan Stanley Wealth Managements offered portfolio management programs, youll typically need to complete a client profile and fill out an investment questionnaire. Clients interested in Morgan Stanleys financial planning services will go through a discovery process with their financial advisors. This process includes a review of any requested financial documents and a discussion about a clients current financial situation, future needs, liabilities, income sources and expenditures, tax status and retirement, estate and insurance planning needs.

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Morgan Stanley Cashplus Fees:

The Premier account comes with a $15 monthly fee. To avoid the monthly fee, you will need:

  • $2,500 recurring monthly deposit, OR
  • $25,000 average daily BDP balance, AND
  • Morgan Stanley Online enrollment, AND
  • Another qualified non-CashPlus Morgan Stanley account
  • The Platinum account comes with a $45 monthly fee. Effective 2/1/22, the monthly fee will be raised to $55. To avoid the monthly fee, you will need:

  • $5,000 recurring monthly deposit, AND
  • $25,000 average daily BDP balance, AND
  • Morgan Stanley Online enrollment, AND
  • Another qualified non-CashPlus Morgan Stanley account
  • They do allow you a two-month grace period to set all this up before they start charging you a monthly fee. And the $$2500/$5000 monthly recurring deposit requirement is waived if any amount of Social Security benefits are deposited into your account. Good news for old folks.

    Morgan Stanley considers eligible deposits to be:

    • Direct deposits
    • Any social security deposits
    • Distributions from a Morgan Stanley Retirement Account

    Access Investing does require a $5000 minimum deposit and comes with a .35% annual fee but your money is invested and in theory will return a lot more than .35% a year, which will cover the cost of the fee. As a data point, I opened my account three months ago and Im currently sitting at a 4.04% return.

    Morgan Stanley Wealth Management Personnel

    Morgan Stanley has an exceptionally large team of 15,712 wealth management representatives. However, Morgan Stanley Wealth Management makes it easy to sift through its thousands of advisors to find the right fit for you.

    The wealth management homepage features a search bar, where you can enter in your zip code. The search results display financial advisors near you, and the results can be further filtered according to your occupation, investment needs, language preferences and whether there are any particular certifications youd like in an advisor.

    Morgan Stanley Wealth Managements search feature also allows you to search for an advisor by name or to find nearby branches.

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    Morgan Stanley Cashplus Negatives:

    On paper, the Morgan Stanley CashPlus account looks pretty amazing but honestly, the biggest drawback for most people will be the interest rate. Both accounts earn a measly .01% APR. Even in this day and age, thats a terrible return for parking $25,000 in their account. In case you were wondering what the math was .01% of $25,000 would equal $2.50 a year Ridiculous, right?

    Additionally, their customer service is TERRIBLE. Their call center is based in Tampa, Florida but the majority of the financial advisors I spoke to, and there have been plenty, were just incompetent. I feel like they didnt know what they were doing and each time I called, I got a different answer. It was really ridiculous how disorganized they were and how unfamiliar they were with their own products.

    Tips For Finding The Right Financial Advisor

    Morgan Stanley Investing Tutorial – Review + Access
    • Finding the right financial advisor that fits your needs doesnt have to be hard. SmartAssets free tool matches you with financial advisors in your area in 5 minutes. If youre ready to be matched with local advisors that will help you achieve your financial goals, get started now.
    • Think about what you need in a financial advisor. Financial advisors offer a variety of services and may specialize in serving certain types of clients. As you search for a financial advisor, its important to keep in mind whether youre looking for someone to help you get ready for retirement or manage your wealth.
    • Consider your alternatives. If youre just starting out or you dont have a lot to invest, consider a robo-advisor instead of a traditional financial advisor. Robo-advisors typically require lower account minimums and charge lower fees.

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    Who Morgan Stanley Access Investing Is For

    Morgan Stanley views its robo-advisor service as an opportunity to attract younger investors, sometimes the children of existing investors, who will later need its full-service investment services. The firm included socially responsible and values-oriented investing options in the hopes of attracting a millennial audience.

    That being said, Morgan Stanley Access Investing is an option for investors of any age who dont have a particularly complicated financial situation and who are comfortable conducting their investment business entirely online and through electronic communications. Access Investing clients do not have access to Morgan Stanley advisors, nor do they have a dedicated financial advisor or financial advisor team to help them. If you’re looking for a traditional financial advisor, SmartAsset’s financial advisor matching tool is a good place to start.

    Morgan Stanley Access Investing allows for a decent amount of customization, from its range of portfolio strategies to its selection of themes. Its $5,000 account minimum means that you have to have at least some money set aside to invest. Its fees arent notably higher or lower than those of its competitors, including Ally Invest and Fidelity Go.

    Available Features

    $240 Digital Entertainment Credit

    The Platinum card provides a $240 digital entertainment credit, which you can use up to $20 per month for:

    A few things important things to remember are:

    • You must enroll in the offer in your American Express account to receive the credits.
    • You must purchase a subscription through the partners website, not their mobile app.

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    How Morgan Stanley Wealth Management Invests Your Money

    Morgan Stanley Wealth Managements investment approach varies based on each clients preferences.

    Clients can elect to have a financial advisor manage their portfolio on a discretionary basis, meaning the advisor can buy and sell without the clients express permission. In that case, the advisor may create a custom portfolio generally composed of the following investment types:

    • Mutual funds
    • Debt
    • Cash equivalents
    • Alternative investments, such as private equity, hedge funds, real estate funds, private credit funds, venture capital funds and funds of funds

    The exact recommendations will vary by advisor, according to their own personal preferences and styles, as well as the clients financial situation and investment objectives, though advisors must stay within investment guidelines set by the firm.

    Clients also can choose to have their financial advisors recommend a specific manager who will oversee the clients money, or a specific strategy, including single- and multi-strategy options. The firm also offers consulting services for clients looking for advice but who prefer a non-discretionary relationship in which they manage their money themselves.

    What Is Morgan Stanley Access Investing

    Access Investing

    Founded in December 2017, the Morgan Stanley robo-advisor Access Investing is a completely digital investment tool that balances active and passive investment strategies. This robo is backed by Morgan Stanley Smith Barney LLC, a well-established investment and brokerage company.

    The Access Investing arm of Morgan Stanley is a virtual advisor, which means it relies on clients self-reported financial goals and robo-advisor algorithms to calculate recommended investment portfolios.

    While the robo-advisor is managed by Morgan Stanley, it does not use human financial advisors to help clients plan their investments. Despite this perceived limitation, Morgan Stanley customer reviews indicate that users are overall pleased with the companys offerings.

    The Morgan Stanley virtual advisor balances active and passive investment strategies in an effort to beat the market and provide clients with a well-rounded investment strategy. They couple this strategy with themed investment portfolios, so you always know your investments are working with industries and initiatives you value.

    In this Morgan Stanley Access Investing review, you will learn:

    • How Morgan Stanley Access Investing works
    • Who benefits from Morgan Stanley Access Investing
    • Whether the Morgan Stanley robo-advisor is right for you

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    How Do I Sell My Stock On Morgan Stanley

    Does Morgan Stanley have online trading? The site provides online account access, real-time account balances and activity, and research. Clients also have access to online trading to buy and sell stocks, bonds, and mutual funds. I think there’s a good chance that a lot of those clients will jump over to ClientServ, says a Morgan Stanley rep.

    What You Need To Know Now

    First and foremost: Your everyday experience at E*TRADE remains the same. You can simply log on to our website, platforms, or apps and take care of business as usual.

    • No action is required. There is nothing you need to do.
    • Your E*TRADE user ID, password, and account numbers remain the same.
    • If you work with a specific person at E*TRADE , you can continue to do so.

    Have more questions?

    Check the background of E*TRADE Securities LLC on FINRA’s BrokerCheck and seeE*TRADE Securities LLC and E*TRADE Capital Management, LLC Relationship Summary.

    Investment Products Not FDIC Insured No Bank Guarantee May Lose Value


    Banking products and services are provided by Morgan Stanley Private Bank, National Association, Member FDIC.

  • In’s 2021 Online Broker Review of 11 firms across 256 different variables, E*TRADE was awarded the #1 Trader App, #1 Options Trading, and #1 Web Trading Platform Awards. In addition, E*TRADE received nine Best in Class distinctions: Overall, Mobile Trading, Offering of Investments, Options Trading, Banking, Beginners, IRA Accounts, Futures Trading, and Active Trading. E*TRADE’s star ratings for all category rankings out of 5: Overall , Commissions & Fees , Offering of Investments , Platforms & Tools , Research , Mobile Trading , Ease of Use , Education . Read the 2021 Online Broker Review.
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    Fees Morgan Stanley Wealth Management Charges For Its Advisory Services

    Portfolio management fees:Fees for portfolio management services vary by advisor and account type, and are negotiable. The firm does specify, however, that the maximum annual asset-based fee typically allowed to go to Morgan Stanley is 2%.

    Keep in mind that clients who work with an advisor as well as additional managers will owe extra management fees, adding up to another 0.75% onto their annual rate. The fee typically covers management, transaction and custody costs.

    Separately, clients are responsible for internal mutual fund fees. They will also owe transaction fees when a firm other than Morgan Stanley executes trades for their portfolio.

    Fees are typically paid in advance, usually on a monthly basis.

    Financial planning fees: For financial planning services, clients generally pay a maximum fixed fee of up to $5,000 for a one-time plan. However, the fee may run as high as $10,000 if the plan covers more than $5 million in assets and the advisor has a specific educational designation, such as a chartered financial analyst or certified financial planner .

    Digital advisory program fees: Investors starting out or trying to reach specific goals, such as paying for college or saving for a down payment for a new home, may look to the firms digital advisory tool. Only $5,000 is required to get going, and you can invest in model portfolios for a 0.30% annual fee.

    Competition: How Morgan Stanley Access Investing Stacks Up

    Morgan Stanley’s Mike Wilson has a bleak outlook for markets

    Morgan Stanley Access Investing’s fees are about in line with those of two of its main competitors, Ally Invest and Fidelity Go. Ally Invest’s fees are slightly lower, with an annual fee 0.30% of assets under management, and it also has a lower minimum balance, at $100. Fidelity Go has the same fee rate and minimum balance as Morgan Stanley Access Investing.

    While Morgan Stanley Access Investing and Fidelity Go are strictly hands-off, Ally Invest provides options for both hands-on and passive investors. Like Access Investing, Fidelity Go and Ally Invest offer automatic rebalancing, but neither offers the tax-loss harvesting feature that Access Investing does. None of the three robo-advisors offer access to human advisors.

    Ally Invest supports by far the most accounts. In addition to the individual, IRA and Roth IRA accounts offered by Morgan Stanley Access Investing, it offers SIMPLE IRA, rollover IRA, trusts and business accounts. Fidelity Go offers slightly more account options than Access Investing, with the added option of joint accounts and rollover IRA accounts.

    • Investors, particularly millennials, with at least $5,000
    • Investors with at least $100
    • Investors who want the option of a self-directed trading account or a managed portfolio account
    • Hands-off investors with at least $5,000

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    The Platinum Card From American Express Exclusively For Morgan Stanley Review

    2021.10 Update: New benefit : Pay your Walmart+ membership with your AmEx Platinum card, and you will get full credit back .

    2021.7 Update2: The following changes are now effective:

    • The annual fee increased from $550 to $695.
    • Added $200 Hotel Credit. On Fine Hotels & Resorts or The Hotel Collection bookings.
    • Added $179 Clear Credit. Its the same amount as the Clear annual membership fee. Its useful if you fly a lot, but the value is not much.
    • Added $240 Digital Entertainment Credit. $20 per month. The credit only works at: Peacock, Audible, SiriusXM, and The New York Times. The value is essentially 0.
    • Added $300 Equinox Credit. $25 per month. The value is essentially 0.
    • All previous credits including Saks credit still exists.

    In summary, the annual fee increased by $145, and in return, you get various credit. Holding this card becomes more and more like paying an annual fee to buy a coupon book.

    2021.7 Update: We all know that starting from 7.1 AmEx will raise annual fee and add more credits. Now we can see the 100k offer and new credits on this card, while the annual fee is not raised yet! This is a very good chance to get this card, get it fast! The annual fee is now officially higher.


    Benefits Of Using A Robo

    Maybe youre wondering if a robo-advisor is the right investment option for you.

    If you prefer to choose and manage your own investments, a robo-advisor is not a good choice.

    But if you are a new investor, or you simply lack the time or desire to manage your own investments, a robo-advisor could be the perfect investment solution.

    With Morgan Stanley Access Investing you can simply choose the portfolio you want to invest in.

    You can then customize your investment mix by adding one or more specific investment themes to your portfolio .

    Best of all:

    Youll get complete portfolio management including portfolio selection, rebalancing of your asset allocations, automatic reinvestment of dividends, and other services.

    Again, its all available at a low annual management fee of just 0.35% of your account balance.

    This is well below the 1% to 2% typically charged by human investment advisories for the same services. In addition, traditional investment advisors typically require a minimum portfolio of at least $500,000.

    With Morgan Stanley Access Investing you can begin investing with a very small percentage of that amount.

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