Your retirement, your way

Help your retirement savings reach your goals with Access Investing from Morgan Stanley. It’s easy to roll over your 401(k) into an IRA, and automated investing helps keep you on track.
Get recommendations in just a few minutes
When you roll over your 401(k) with Access Investing, you’ll get a detailed investment plan based on portfolios modeled by some of our top investment strategists. It’s our answer to a robo-advisor, backed by more than 80 years of expertise.
Tell us about yourself

Answer a few questions and we’ll give you a snapshot of both your target and projected retirement income.

Invest in what matters to you

You can choose an investment theme that includes causes you’re passionate about or industries you want in on.

Let us take care of the rest

We’ll recommend a portfolio and show you how it’s projected to grow over time. Then, we’ll walk you through how to roll over your 401(k).

Invest in the things you care about

How you invest is just as important as why you invest. So when you roll over your 401(k), we let you choose to set aside some of your investments for specific causes or sectors. Your portfolio will still be diversified, but a portion of it will be invested in what matters to you.

Easy. Efficient. Affordable.

With a low annual fee and low minimum investment, Access Investing can help keep your retirement on track.
0.35% annual fee
$5,000 minimum investment

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Not all rollovers are created equal

Expert advisors

Get a detailed plan based on model portfolios from some of our top investment strategists.

More investment options

Get more choices, more control, and more say over your investment portfolio.

Automatic rebalancing

We analyze your portfolio daily to help you balance your asset allocation.

Hear from Morgan Stanley’s experts

Learn how Access Investing offers insights from 80 years of investment excellence.

Put your 401(k) to work with Access Investing

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Frequently Asked Questions

Access Investing is a discretionary investment advisory account. It's a digital-only platform and does not include the help of a Financial Advisor. So if you're looking to try a different approach to traditional advisory, then Access Investing may be for you.

That is an option. However, you need to consider all of your options and decide based on personal circumstances. You should discuss with a legal or tax advisor.

You generally have four options: cash out and take a lump sum distribution (subject to taxation and potential penalties), leave assets in your former employer’s plan, roll assets into a new employer’s plan, or roll assets into an IRA.