would you choose morgan stanley or fidelity to manage your stocks
From our startup lab to our cutting-edge research, we broaden access to capital for diverse entrepreneurs and spotlight their success. You may choose to accept our recommendation or select a different investment model strategy for your account. We believe our greatest asset is our people. During the drawdown period, we assume your portfolio will remain invested and recurring contributions will no longer be made to your plan. We use this information to determine your Target Retirement Income. The drawdown portion of the graph illustrates how your projected retirement spending may impact your projected portfolio balance during the period of your retirement. We will ask you to provide us with information about your investment appropriateness attributes, including your indicated investment goal and risk tolerance as well as certain additional information, such as your age, your financial situation, the amount you intend to contribute initially and on an ongoing basis to fund the account, and other accounts and assets you hold either with Morgan Stanley, or at third party financial institutions. Values shown in your official account statement may differ from the values reflected due to, among other things, different reporting methods, delays, market conditions and interruptions. Learn more about mutual funds at fidelity.com. Each subsequent point on the chart reflects the projected value of your assets on January 1st of the corresponding year. Stocks have historically had higher potential for growth, but more volatility. As with any forecasting discipline, the assumptions and inputs underlying Morgan Stanley GIC’s forecasting process may or may not reconcile with, or reflect, each investor’s individual investment horizon, risk tolerance, capital markets outlook, and world view. Historically, gold has exhibited low correlation to stocks and an inverse relationship to the dollar. Hypothetical performance results have inherent limitations. We also apply a constant rate of inflation to those ongoing contributions.

Investing can help build your down payment faster.

For a Retirement Goal, we look at your probability of reaching your target retirement income, and your probability of meeting your essential retirement income. A Morgan Stanley investment team then selects and invests the specific mutual funds and exchange traded funds that populate the model portfolio in your separately managed MSAI Program account, tailored to your specific financial needs and situation, your risk tolerance and subject to any reasonable investment restrictions imposed by you. The last point on the chart corresponds to the beginning of the year that you (or you and your partner, when applicable), retire. Real values are referred to as inflation adjusted, because they exclude the effect of inflation over time. After you have accepted the investment model we have recommended and your account assets are invested, we will periodically monitor your account's performance. Certain assumptions may have been made for modeling purposes only to simplify the presentation and/or calculation of any projections or estimates, and Morgan Stanley Wealth Management does not represent that any such assumptions will reflect actual future events or that all assumptions have been considered or stated. [1] CNBC “Amount of Global Debt with Negative Yields Balloons to $15 Trillion,” CNBC.com, Aug. 7, 2019. Morgan Stanley Wealth Management is involved in many businesses that may relate to companies, securities or instruments mentioned in this material. Morgan Stanley helps people, institutions and governments raise, manage and distribute the capital they need to achieve their goals. Asset allocation and diversification do not assure a profit or protect against loss in declining financial markets. As a result, the investment performance of an index will not be the same as the investment performance of a specific instrument, including one that is contained in the index. The performance of tax-managed accounts is likely to vary from that of non-taxed managed accounts. We live that commitment through long-lasting partnerships, community-based delivery and engaging our best asset—Morgan Stanley employees. When providing you advisory services, our legal obligations to you are governed by the Investment Advisers Act of 1940 and applicable state securities laws. This material is provided for informational purposes only and is not intended as an offer or solicitation with respect to the purchase or sale of any security or other financial instrument or to participate in any trading strategy. Bonds are also subject to reinvestment risk, which is the risk that principal and/or interest payments from a given investment may be reinvested at a lower interest rate. Funds are subject to market risk, which is the possibility that the market values of securities owned by the fund will decline and that the value of fund shares may therefore be less than what you paid for them. 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. This material has been prepared for informational purposes only and is not an offer to buy or sell or a solicitation of any offer to buy or sell any security or other financial instrument or to participate in any trading strategy.  This is not a research report and was not prepared by the research departments of Morgan Stanley & Co. LLC or Morgan Stanley Smith Barney LLC (“Morgan Stanley Wealth Management”).  It was prepared by Morgan Stanley Wealth Management sales, trading or other non-research personnel. Morgan Stanley Wealth Management is not acting as a municipal advisor to any municipal entity or obligated person within the meaning of Section 15B of the U.S. Securities Exchange Act of 1934, as amended (the “Municipal Advisor Rule”) and the opinions or views (if any) contained herein are not intended to be, and do not constitute, advice within the meaning of the Municipal Advisor Rule.

The IRS offers more information on IRAs at www.irs.gov. The value of and income from investments may vary because of changes in interest rates, foreign exchange rates, default rates, prepayment rates, prices of securities/instruments, market indexes, operational or financial conditions of companies or other factors. Be ready to cover your start-up costs and bring your company to life. Investments are not FDIC insured or bank guaranteed, and investors may lose money. The drawdown portion of the graph illustrates how your projected retirement spending may impact your projected goal balance during the period of your retirement. For general investing, you can open a taxable personal account. If you indicated your goal includes your partner, we assume your taxable contributions will continue until one of you retires. Then, we run thousands of simulations to recommend a broad, diversified portfolio that’s designed to seek optimal returns based on your goals. The hypothetical projected returns or income produced by the MSAI is based on the information you provided to us, the assumptions you have provided and the other assumptions made by Morgan Stanley indicated herein. Morgan Stanley is both a registered broker-dealer and investment adviser.

The value shown will also include any other accounts you’ve told us about. We may also perform or seek to perform investment banking services for the issuers of the securities/instruments mentioned herein. High yield bonds should comprise only a limited portion of a balanced portfolio. Growth investing does not guarantee a profit or eliminate risk. A Monte Carlo simulation calculates the results of your strategy by running it many times, each time using a different sequence of returns. Prior to entering into any proposed transaction, you should determine, in consultation with your own advisors, the potential economic, legal, tax, regulatory and accounting risks, merits, characteristics and consequences of the transaction.

Investing now can help you afford the life you want later. It is important to remember that future rates of return can’t be predicted with certainty and that investments that may provide higher rates of return are generally subject to higher risk and volatility. It is not a bank. Accordingly, you can lose money investing in a mutual fund. Equity securities may fluctuate in response to news on companies, industries, market conditions and general economic environment. The return assumptions are partially based on historic rates of return of securities indices which serve as proxies for the broad asset classes. We offer timely, integrated analysis of companies, sectors, markets and economies, helping clients with their most critical decisions. Return and principal value of investments will fluctuate and, when redeemed, may be worth more or less than their original cost. Every individual’s financial circumstances, needs and risk tolerances are different. Trading desk materials are not independent of the proprietary interests of the firm, which may conflict with your interests. We then add these investments up and forecast how they could potentially grow over time until you (or both you and your partner) retire. This age is dynamically calculated based on mortality rates published by the Social Security Administration and may change over time. Discover who we are and the right opportunity for you. They are referenced for illustrative purposes only. At Morgan Stanley, we lead with exceptional ideas. Value investing involves the risk that the market may not recognize that securities are undervalued and they may not appreciate as anticipated. MSAI results may vary with each use and over time. Copyright 1998-2020 FMR LLC. The information provided by you should be reviewed periodically and updated when either the information or your circumstances change. Underpinning all that we do are five core values. The author(s) principally responsible for the preparation of this material receive compensation based upon various factors, including quality and accuracy of their work, firm revenues (including trading and capital markets revenues), client feedback and competitive factors.

Investment Model Strategy Recommendations. Please review all the information thoroughly to ensure that it is correct and complete before accepting the recommended investment model. Unless otherwise indicated, these views (if any) are the author’s and may differ from those of the aforementioned research departments or others in the firms.

Morgan Stanley is differentiated by the caliber of our diverse team. Build a diversified portfolio with automated investing from Morgan Stanley. Precious metals are speculative investments, which may experience short-term and long-term price volatility. Morgan Stanley is one of the leading financial services firms that provides a wide variety of financial services including investing advice, securities trading, wealth management and banking. Whether it’s hardware, software or age-old businesses, everything today is ripe for disruption. 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 portfolio. Yield is only one factor that should be considered when making an investment decision. In projecting your account value over time, Morgan Stanley’s proprietary analytics take inflation into account.

Potential for a portfolio’s loss is exacerbated in a downward trending market.

Plan ahead for the day of your dreams and be prepared for the expenses. Nicholas Thompson, who manages Morgan Stanley’s physical precious metals offering for Wealth Management clients, says that there may be other reasons to consider investing in gold at this time.

The value of precious metals investments may fluctuate and may appreciate or decline, depending on market conditions. Our unique investing strategy – conservative at times, more aggressive at others.


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