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What is diversification and asset allocation?
Every investor should begin with these two key ideas.
Diversification can be summed up with the familiar phrase: “Don’t put all your eggs in one basket.” Including different types of investments in your portfolio may help reduce your losses if one type—stocks, for example—take a hit when other investments like bonds remain steady or go up.
Investors achieve diversification through a process called asset allocation, which simply means figuring out how your funds will be spread among different types of investments, such as stocks, bonds, and cash. Diversification may reduce risk, but investors also want to earn a return, and so they need to strike a balance between risk and reward. Lower risk investments carry less chance of a loss but typically provide lower returns. Investors seeking higher returns typically must take on greater risk.
I need the money in: < 5 years
You may prefer this less risky approach because you won’t have time to recover from a loss.
A conservative asset allocation aims to preserve a portfolio’s value with a high proportion of investments that are considered low risk, like cash or bonds.
I need the money in: 5-7 years
Taking on more risk may be appropriate since your portfolio will have a few years to recover from a loss.
A moderate approach seeks to achieve growth with modest risk by adding more stocks to the mix. Stocks may deliver higher returns but also carry the risk of greater losses.
I need the money in: 7+ years
High risk/high reward may be appropriate because you have plenty of time to try to recover from losses or setbacks.
An aggressive strategy is weighted towards riskier investments with the goal of achieving stronger growth.
Where can I find even more investing ideas?
Potential opportunities can be found almost anywhere. These easily accessible sources give new investors a variety of different ways to find ideas.
Morgan Stanley Market Update
Tune in to hear Morgan Stanley thought leaders deliver fresh, exclusive insights into the economy, the markets, and what the latest events may mean for your portfolio.
Market news
Find opportunities by looking for market trends and market movers—stocks with a lot of trading activity—or check out market commentary from E*TRADE’s own analysts and major news sources.
Screeners
Another approach is to align your investments with your values or with economic and social trends. These are called themes, and we’ve highlighted specific investments for a range of different ones.
What about taking money out of my 401(k) or IRA?
The rules for withdrawing money from your retirement accounts are complex, so check with a financial adviser about your specific situation. Here are a few important guidelines.
Watch out for early withdrawal penalties
Generally, if you take money out of your 401(k) or IRA before you reach 59½ years of age, you’ll owe taxes plus substantial penalties.
There are exceptions for certain expenses, including some medical and education costs.
How does Social Security fit in?
Social Security benefits are an important source of income for many Americans living in retirement.
How much you receive and when you get it will depend on a range of decisions you make, along with factors such as how long you worked and how you coordinate benefits with your spouse.
Mandatory withdrawals
If you’re retired, soon after you turn 72 (70½ if born before 7/1/49), you must begin withdrawing a minimum annual amount from your 401(k) and most IRAs.
These withdrawals are called required minimum distributions () and the penalties are severe if you don’t make them.
Account FAQs
Online
1. Choose the type of account you want. Then complete our E*TRADE from Morgan Stanley brokerage or Morgan Stanley Private Bank online application.
2. For bank and brokerage accounts, you can either fund your account instantly online or mail in your direct deposit.
By Mail
1. Download an application and then print it out.
2. Complete and sign the application.
3. Send the application with a check made payable to E*TRADE from Morgan Stanley or Morgal Stanley Private Bank (depending on the type of account you’re opening) to the appropriate address.
Simply call us at:+318194275752
You can start trading within your brokerage or IRA account after you have funded your account and those funds have cleared.
Yes, you can roll over your 401(k) or other employer-sponsored plan to an E*TRADE IRA.
Choose the method that works best for you:
Transfer money electronically:
1.Use our Transfer Money service to transfer within 3 business days.
2. By check: You can easily deposit many types of checks.
3.By wire transfer: Wire transfers are fast and secure.
4.Transfer an account: Move an account from another firm.