Our Accounts.
We don’t just help one kind of person. Or one kind of business. Or one kind of nonprofit, family, or trustee. We have a variety of plans for many different investors or traders, and we may just have an account for you.
Most Popular Brokerage Retirement Managed Portfolios Small Business Retirement Bank.
Most Popular.
Trade or invest in your future with our most popular accounts.
Brokerage account.
Investing and trading account.
Buy and sell stocks, ETFs, mutual funds, options, bonds, and more.
Core Portfolios.
Automated investment management.
Get a diversified portfolio that's monitored and managed for you. For a limited time, pay no advisory fee for three months when you open a new Core Portfolios account by January 31, 2023.
Premium Savings Account.
Boost your savings with 3.25% APY 5.
With rates 15X the national average 6 , plus FDIC protection up to $500,000 7 , and more.
Traditional IRA.
Tax-deductible retirement contributions.
Earnings potentially grow tax-deferred until you withdraw them in retirement.
Roth IRA 1.
Tax-free growth potential retirement investing.
Pay no taxes or penalties on qualified distributions if you meet the income limits to qualify for this account.
Rollover IRA.
Take control of an old 401(k)
Consolidate assets from a former employer’s retirement plan.
Brokerage.
Build your portfolio, with full access to our tools and info.
Brokerage account.
Investing and trading account.
Buy and sell stocks, ETFs, mutual funds, options, bonds, and more.
Coverdell ESA.
Save for a child’s education.
Tax-free withdrawals for qualified educational expenses, such as tuition and books.
Custodial Account.
Brokerage account for a minor.
Managed by a parent or other designated custodian until the child comes of legal age.
Retirement.
Invest in the future, with retirement accounts from E*TRADE Securities.
Whether you are exploring a Roth or Traditional IRA, or are considering what to do with a 401(k) from a former employer, you’ve got choices.
Rollover IRA.
Take control of an old 401(k)
Consolidate assets from a former employer’s retirement plan.
Roth IRA 1.
Tax-free growth potential retirement investing.
Pay no taxes or penalties on qualified distributions if you meet the income limits to qualify for this account.
Traditional IRA.
Tax-deductible retirement contributions.
Earnings potentially grow tax-deferred until you withdraw them in retirement.
Beneficiary IRA.
For inherited retirement accounts.
Keep inherited retirement assets tax-deferred while investing for the future.
E*TRADE Complete TM IRA.
For retirement investors over age 59½
Convert your IRA for flexible access to cash with free checking, online bill pay, and ATM/debit cards. 2,3.
IRA for Minors.
For children with earned income.
A retirement account managed by an adult for the benefit of a minor under age 18.
Managed Portfolios.
E*TRADE Capital Management offers a range of portfolios to help meet your needs - choose from our fully managed accounts or our automated investment portfolios.
Core Portfolios.
Automated investment management.
Get a diversified portfolio that's monitored and managed for you. For a limited time, pay no advisory fee for three months when you open a new Core Portfolios account by January 31, 2023.
Morgan Stanley Financial Advisors.
Bring your future into focus.
Eligible clients can get a goals-based plan and investing guidance from a Morgan Stanley Financial Advisor.
Small business retirement.
Offer retirement benefits to employees. Use the Small Business Selector to find a plan.
Retirement plans offered by E*TRADE Securities.
Individual and Roth Individual 401(k)
Retirement plan for the self-employed.
High contribution limits and simple administration for business owners and their spouses.
SIMPLE IRA.
For businesses with fewer than 100 employees.
Easy, inexpensive retirement plan with deductible employer and employee contributions.
SEP IRA.
For the self-employed and small businesses.
Flexible annual contributions from 0% to 25% of earned income.
Investment-Only Account.
For businesses with existing retirement plans.
Expand the range of available investment options without changing plan custodians.
Morgan Stanley Private Bank.
FDIC insurance and free transfers.
Premium Savings Account.
Boost your savings with 3.25% APY 5.
With rates 15X the national average 6 , plus FDIC protection up to $500,000 7 , and more.
Max-Rate Checking.
Competitive yields and free features.
Free Transfer Money service, online bill pay, and unlimited ATM fee refunds nationwide.
Checking.
Basic checking with no monthly fees.
Free initial checks, online bill pay, and ATM/debit card.
Line of Credit.
Borrow against your investments.
Access cash for personal or business needs without disturbing your investment plans.
Home Loans.
Purchase or refinance a home.
Competitive rates on mortgages with dedicated support and secure online tools.
Account FAQs.
Expand all.
How do I open an account?
Choose the type of account you want. Then complete our E*TRADE from Morgan Stanley brokerage or Morgan Stanley Private Bank online application. For bank and brokerage accounts, you can either fund your account instantly online or mail in your direct deposit.
Download an application and then print it out. Complete and sign the application. Send the application with a check made payable to E*TRADE Securities or Morgan Stanley Private Bank (depending on the type of account you're opening) to the appropriate address.
New to online investing? See how E*TRADE can help.
How do I check on the status of an application?
Simply call us at 800-387-2331.
When can I start trading after I open an account?
You can start trading within your brokerage or IRA account after you have funded your account and those funds have cleared.
Can I roll over my 401(k) to E*TRADE from Morgan Stanley?
Yes, you can roll over your 401(k) or other employer-sponsored plan to an E*TRADE IRA.
How do I fund an account?
Choose the method that works best for you:
Transfer money electronically: Use our Transfer Money service to transfer within 3 business days. By check: You can easily deposit many types of checks. By wire transfer: Wire transfers are fast and secure. Transfer an account: Move an account from another firm.
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Check the background of E*TRADE Securities LLC and Morgan Stanley Smith Barney LLC on FINRA's BrokerCheck and see E*TRADE Securities LLC and E*TRADE Capital Management, LLC Relationship Summary and Morgan Stanley Smith Barney LLC Relationship Summary.
Investment Products • Not FDIC Insured • No Bank Guarantee • May Lose Value.
PLEASE READ THE IMPORTANT DISCLOSURES BELOW.
Banking products and services are provided by Morgan Stanley Private Bank, National Association, Member FDIC.
IMPORTANT NOTE: Options and futures transactions are complex and involve a high degree of risk, are intended for sophisticated investors and are not suitable for all investors. For more information, please read the Characteristics and Risks of Standardized Options and Risk Disclosure Statement for Futures and Options before you begin trading options. Supporting documentation for any claims made regarding options will be supplied upon request.
The amount of initial margin is small relative to the value of the futures contract. A relatively small market movement will have a proportionately larger impact on the funds you have deposited or will have to deposit, which may work against you as well as for you. You may sustain a total loss of initial margin funds and any additional funds deposited with E*TRADE to maintain your position. If the market moves against your positions or margin levels are increased, you may be called upon by E*TRADE to pay substantial additional funds on short notice to maintain your position or your position may be liquidated at a loss by E*TRADE and you will be liable for any resulting deficit. As a general matter, E*TRADE does not permit physical delivery of commodities or digital assets. Customers that hold futures to maturity may be subject to immediate liquidation including at a loss and appliable fees.
Consolidation is not right for everyone, so you should carefully consider your options. Before deciding whether to retain assets in a retirement plan account through a former employer, roll them over to a qualified retirement plan account through a new employer (if one is available and rollovers are permitted), or roll them over to an IRA, an investor should consider all his or her options and the various factors including, but not limited to, the differences in investment options, fees and expenses, services, the exceptions to the early withdrawal penalties, protection from creditors and legal judgments, required minimum distributions, the tax treatment of employer stock (if held in the qualified retirement plan account), and the availability of plan loans (i.e., loans are not permitted from IRAs, and the availability of loans from a qualified retirement plan will depend on the terms of the plan). For additional information, view the FINRA Website.
Diversification and asset allocation strategies do not ensure profit or protect against loss in declining markets. Investments in securities and other instruments involve risk and will not always be profitable including loss of principal.
Investing in securities involves risk, including possible loss of principal.
Prior to investing in a managed portfolio, E*TRADE Capital Management will obtain important information about your financial situation and risk tolerances and provide you with a detailed investment proposal, investment advisory agreement, and wrap fee programs brochure. These documents contain important information that should be read carefully before enrolling in a managed account program. Please read the E*TRADE Wrap Fee Programs Brochure for more information on the advisory fee, rebalancing methodologies, portfolio management, affiliations, and services offered.
The material provided by E*TRADE Securities LLC, E*TRADE Capital Management, LLC, Morgan Stanley or any of their direct or indirect subsidiaries, or by a third party not affiliated with E*TRADE is for educational purposes only and is not an individualized recommendation. This information neither is, nor should be construed as, an offer or a solicitation of an offer, or a recommendation, to buy, sell, or hold any security, financial product, or instrument discussed herein, or to open a particular account or to engage in any specific investment strategy.
A distribution from a Roth IRA is federally tax-free and penalty-free provided that the five-year aging requirement has been satisfied and one of the following conditions is met: age 59½, suffer a disability, or qualified first time home purchase.
All withdrawals from Individual Retirement Accounts will be considered distributions and reportable on IRS Form 1099R. You must include all amounts you receive from the IRA in your gross income except amounts attributed to nondeductible contributions and amounts rolled back into an IRA or qualified plan. Federal and state income tax will not be withheld from these payments, and it is your responsibility to make estimated tax payments if necessary. You expressly assume the responsibility for any adverse consequences that may arise from an IRA withdrawal and agree that E*TRADE Securities shall in no way be held responsible. E*TRADE Securities LLC and its affiliates do not provide tax advice, and you always should consult your own tax advisor regarding your personal circumstances before taking any action that may have tax consequences.
Individual, joint and custodial accounts are eligible for the E*TRADE Complete™ Debit Card. In addition, certain IRA accounts are eligible if you are over age 59½. Not eligible are IRA accounts under age 59½, other retirement accounts, and business or investment club accounts.
The Annual Advisory Fee is 0.30%, or as low as $1.50 for $500 in assets, and is the direct fee charged to any client in the advisory program. The advisory fee does not cover underlying management fees and expenses of any mutual fund or ETF investment held in the portfolio.
As of , the Annual Percentage Yield (APY) of the Premium Savings Account offered by Morgan Stanley Private Bank, National Association is 3.25% for balances of $500,000 or more, 3.25% for balances of $100,000–$499,999, 3.25% for balances of $50,000–$99,999, 3.25% for balances of $5,000–$49,999, and 3.25% for balances of less than $5,000. Rates are subject to change daily and fees may reduce earnings. No minimum initial deposit is required to open an account. However, account must be funded within 30 days to remain open.
Based on comparison to the National Deposits Savings Average Annual Percentage Yield (APY) as published on the FDIC Weekly National Rates and Rate Caps Weekly Update, as of October 17, 2022.
The Premium Savings Bank Deposit Program (the "Program") gives Morgan Stanley Private Bank, National Association the ability to sweep any amount held on deposit in your Premium Savings Account to other depository accounts at Federal Deposit Insurance Corporation ("FDIC") member banks with the purpose of affording you additional FDIC insurance coverage. The Program is designed to offer up to $500,000 in FDIC coverage to individual accounts (up to $1 million for joint accounts). Learn more.
Morgan Stanley Financial Advisors, Private Wealth Advisors, and Morgan Stanley Virtual Advisors (collectively, Financial Advisors) are licensed representatives of Morgan Stanley Smith Barney LLC. We may connect you with an E*TRADE representative before you speak with a Morgan Stanley Financial Advisor. Opening an account with a Morgan Stanley Financial Advisor may require minimum asset levels. Other eligibility requirements may apply and certain products and services (including any lifestyle programs) are not available to or appropriate for all clients. Fees may apply should you choose to open an account with Morgan Stanley. Account fees and other important information can be found at www.morganstanley.com/iai.
In Kiplinger's annual Best Online Brokers and Trading Platforms Review of ten firms across eight categories issued August 26, 2022, and based on evaluation conducted from August 26, 2021 – August 26, 2022, E*TRADE earned an overall score of 87.3 out of 100. E*TRADE’s ratings for all category rankings include: Overall (#1), Commissions and Fees (#7), Investment Choices (#3), Mobile App (#1), Tools (#1), Research (#1), User Experience (#5), and Advisory Services (#3). Read the full "Best Online Brokers and Trading Platforms, 2022" survey.
From Kiplinger's Personal Finance. © 2022 The Kiplinger Washington Editors. All rights reserved. Used under license obtained via compensation paid to Kiplinger.
Residential mortgage loans/home equity lines of credit are offered by Morgan Stanley Private Bank, National Association, an affiliate of Morgan Stanley Smith Barney LLC. With the exception of the pledged-asset feature, an investment relationship with Morgan Stanley Smith Barney LLC does not have to be established or maintained to obtain the residential mortgage products offered by Morgan Stanley Private Bank, National Association. All residential mortgage loans/ home equity lines of credit are subject to the underwriting standards and independent approval of Morgan Stanley Private Bank, National Association. Rates, terms, and programs are subject to change without notice. Residential mortgage loans/ home equity lines of credit may not be available in all states; not available in Guam, Puerto Rico and the U.S. Virgin Islands. Other restrictions may apply. The information contained herein should not be construed as a commitment to lend. Morgan Stanley Private Bank, National Association is an Equal Housing Lender and Member FDIC that is primarily regulated by the Office of the Comptroller of the Currency. Nationwide Mortgage Licensing System Unique Identifier #663185. The proceeds from a residential mortgage loan (including draws and advances from a home equity line of credit) are not permitted to be used to purchase, trade, or carry eligible margin stock; repay margin debt that was used to purchase, trade, or carry margin stock; or to make payments on any amounts owed under the note, loan agreement, or loan security agreement; and cannot be deposited into a Morgan Stanley Smith Barney LLC or other brokerage account.
Securities products offered by E*TRADE Securities LLC (ETS), Member SIPC or Morgan Stanley Smith Barney LLC (MSSB), Member SIPC . Investment advisory services offered by E*TRADE Capital Management, LLC (ETCM) or MSSB. Commodity futures and options on futures products and services offered by E*TRADE Futures LLC, Member NFA . Stock plan administration solutions and services offered by E*TRADE Financial Corporate Services, Inc. Banking products and services are provided by Morgan Stanley Private Bank, National Association, Member FDIC . All entities are separate but affiliated subsidiaries of Morgan Stanley.
Throughout 2023, ETS and ETCM will be transitioning existing clients to MSSB. Learn more about this transition.
System response and account access times may vary due to a variety of factors, including trading volumes, market conditions, system performance, and other factors.
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