Morgan Stanley
  • Wealth Management
  • Sep 23, 2021

Which investing solution is right for you? Compare these options.

When it comes to investing and planning for the future, we could all use a little help.

Some prefer a simple way to invest primarily on their own, exclusively in an online account. Others may want access to professional advice or seek to develop a personal relationship with a Financial Advisor.  

That’s why at Morgan Stanley, you’ll find a range of modern investing solutions to help you define and plan for your financial goals. Let’s compare some options to help you decide what fits best for your goals and your investing style.   

Morgan Stanley Access Direct

What is it?

Access Direct is an online brokerage account for owners of Morgan Stanley at Work stock plan accounts, which allows trading of stocks and ETFs with zero dollar commissions. You can link your Morgan Stanley stock plan account to transfer stock sale proceeds to your Access Direct account. You can also improve your financial decision-making, with tools like asset aggregation, which allows you to see a consolidated view of all of your accounts in one place. 

What are the benefits? 

Whether you’re building an investment portfolio or managing everyday finances, self-directed brokerage accounts like Access Direct offer convenience, control and simplicity. In addition to seamless transfer of funds between your equity account and your Access Direct account, you can access your funds with a debit card, which includes worldwide ATM fee rebates. You can also pay bills online, view performance reports, and use research and educational content from Morgan Stanley to help make more informed investment decisions. 

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Morgan Stanley Access Investing

What is it?

Access Investing  is an automated, algorithm-driven digital platform—also known as a robo-advisor—where you choose a goal and we build a diversified portfolio designed to track towards it. First, you answer a few simple questions about your goals, comfort with risk and other preferences. Then, we use algorithms to recommend a model portfolio made up of mutual funds and exchange-traded funds (ETFs) that are chosen and monitored by our experienced investment team. You also have the opportunity to invest in sectors or causes that matter to you, from climate action to bio-medicine.

How do I know if it’s right for me?

Access Investing may a good option if you’re looking for a simple way to invest toward a specific goal in an online account. It’s a discretionary account, which means we make financial decisions for you, backed by the intellectual capital and investment expertise of Morgan Stanley. But along the way, you’ll be able to see how you’re performing, monitor your progress, and adjust your plan—all online.

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Morgan Stanley Virtual Advisor

What is it?

Virtual Advisor is a team of licensed and highly-skilled Financial Advisors who can provide advice and information by phone to help you start planning for your financial future now. They’ll work with you to understand your goals, provide research-based advice that evolves along with your needs, and stay connected to keep you on track. And when you need help, we’re here—whether it’s a question that’s on your mind or a performance review to ensure your portfolio continues to reflect your goals.

How do I know if it’s right for me?

Your relationship with money can be complicated, and raise a lot of personal questions. And it’s likely that you have a lot of competing financial priorities in your life, from current needs to long-term goals like funding a child’s education or saving for retirement. If you want a thoughtful money management strategy that evolves with your unique needs, consider the Virtual Advisor team.

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Morgan Stanley Financial Advisor

What is it?

For ongoing comprehensive planning, advice, and investment management, you can choose to work with a dedicated Financial Advisor. You’ll develop a relationship with an experienced professional who knows you and your family, and can help you build, preserve, and manage your finances over time. Plus, you’ll have access to a full range of investment services and products that support your goals.

How do I know if it’s right for me?

If you’re looking for a hands-on, dedicated professional to help you build a customized plan for your complex financial situation, working with a Morgan Stanley Financial Advisor may be a good option. Your Financial Advisor can help you build personalized goals-based financial strategies, provide investment advice, and guide you through creating an estate planning strategy.

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Morgan Stanley investment solutions at a glance

Here’s a simple way to quickly compare benefits, understand fees, and learn how to get started. 

Comparison chart of the various offerings: Access Direct, Access Investing, Virtual Advisor and Financial Advisor
Find a Financial Advisor, Branch and Private Wealth Advisor near you. 

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