We ask a few simple questions to learn about you. Then, we run thousands of simulations to recommend a broad, diversified portfolio that’s designed to seek optimal returns based on your goals.
You can also choose to invest based on what matters to you – such as social impact or global economics.
How you invest is as important as why you invest. Choose from a variety of investing strategies that align with the things you care about.
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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 instrument, or to participate in any trading strategy. Morgan Stanley does not provide legal, tax or accounting advice. In light of the foregoing, we strongly recommend that you consult your tax and/or legal advisors in connection with this material and any withdrawals that you make from your portfolio.
General Risks of Investing:
Return and principal value of investments will fluctuate and, when redeemed, may be worth more or less than their original cost. Investments are not FDIC insured or bank guaranteed, and investors may lose money. There is no guarantee that past performance or information relating to return, volatility, style reliability and other attributes will be predictive of future results. The value of an investor's shares of any fund will fluctuate and, when redeemed, may be worth more or less than the investor’s cost.
You should note that investing in financial instruments carries with it the possibility of losses and that a focus on above-market returns exposes the portfolio to above-average risk. Performance aspirations are not guaranteed and are subject to market conditions. High volatility investments may be subject to sudden and large falls in value, and there could be a large loss on realization which could be equal to the amount invested.
Asset allocation, diversification and rebalancing do not assure a profit or protect against loss. There may be a potential tax implication with a rebalancing strategy. Please consult your tax advisor before implementing such a strategy.
Because of their narrow focus, sector investments tend to be more volatile than investments that diversify across many sectors and companies.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. 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.
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
Risks related to investing in Mutual Funds and Exchange Traded Funds (ETFs):
All funds are sold by prospectus, which contains more complete information about the fund. As with any fund investment, you should consider the investment objectives, risks and charges and expenses of the funds carefully before investing. Additionally, the prospectus of each fund contains such information and other information about the fund. Prospectuses and current performance data are available on our website at www.morganstanley.com.
There is no assurance that a mutual fund will achieve its investment objective. 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. Accordingly, you can lose money investing in a mutual fund. Each fund's ability to achieve its investment objective depends upon the accuracy of the fund manager’s analysis of macroeconomic trends and asset class valuations and its ability to select the appropriate mix of underlying securities. There is risk that the fund manager’s evaluations and assumptions regarding macroeconomic trends, asset class valuations and selected underlying securities may be incorrect in view of actual market conditions.
An investment in an exchange-traded fund (ETF) involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. Investing in an international ETF also involves certain risks and considerations not typically associated with investing in an ETF that invests in the securities of U.S. issues, such as political, currency, economic and market risks. These risks are magnified in countries with emerging markets, since these countries may have relatively unstable governments and less established markets and economics. For specifics and a greater explanation of possible risks with ETFs, please consult a copy of the ETFs prospectus. Investing in sectors may be more volatile than diversifying across many industries. The investment return and principal value of ETF investments will fluctuate, so an investor’s ETF shares (Creation Units), if or when sold, may be worth more or less than the original cost. ETFs are redeemable only in Creation Unit size through an Authorized Participant and are not individually redeemable for a Fund.
Differences between a brokerage and an investment advisory relationship:
You should understand the differences between a brokerage and advisory relationship. 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. When providing you advisory services, our legal obligations to you are governed by the Investment Advisers Act and applicable state securities laws. These latter advisory obligations govern our conduct and disclosure requirements, creating a legal standard which is referred to as a “fiduciary” duty to you. Please call the help desk if you have questions about your rights and our obligations to you, including the extent of our obligations to disclose conflicts of interest and to act in your best interest. For additional answers to questions about the differences between our advisory and brokerage services, please visit our web site at http://www.morganstanley.com/ourcommitment/ or contact us at 866-866-7426.
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