Investment Choices
Building your portfolio shouldn’t be like ordering off the kids’ menu. You want choices. You want opportunity. You want to explore. Well, that all starts here—with our full range of investment choices.
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Open and fund a new brokerage account with a qualifying deposit by July 31, 2025. Learn how
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Meet your investment choices
They range from the simple to the complex. Long term to short term. The beginner to the expert level.
Here’s a quick overview before you dive in.
Stocks
Stocks are purchased in "shares." Each share is a small piece of the company, which makes you a part owner. Share prices are constantly going up and down, so stocks can be traded throughout the day.
Options
Options give you the right to buy or sell a stock at a set price, on or before an expiration date. The two most common are "puts" where the owner believes the stock’s price will fall, and "calls" where the owner believes the stock’s price will rise.
Futures
Futures let you lock in a price today for a security you would like to buy or sell on or before a set date in the future. Because futures contracts are less expensive than the underlying investment, you can buy or sell more with less upfront cost. Both gains and losses can be greater than the initial outlay.
ETFs
ETFs—or exchange-traded funds—are diversified “baskets” of investments that you can buy for one set price. ETF prices go up and down all day, so ETFs can be traded similar to stocks.
Mutual Funds
Mutual funds are "baskets" of stocks and bonds that can be purchased for one set price, known as the net asset value. Unlike ETFs, whose prices go up and down throughout the day, mutual fund prices only change once, at the close of the trading day.
Bonds & CDs
Think of bonds and CDs as loans you provide to an institution, such as the U.S. Treasury, a corporation, or a state or local government. They are designed to pay you interest, and return your initial investment 100% by their date of maturity. Risk levels, and therefore rates of return, vary by institution.
Interested in gaining indirect exposure to cryptocurrencies via securities and futures?
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Low pricing
$0
Stocks, ETFs and options2
65¢
Options contracts2
$1.50
Futures contracts3
Explore our accounts
Enjoy E*TRADE value, plus a full range of solutions for your style of investing, trading, or banking
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 a low annual advisory fee of 0.30% and $500 minimum.5
Traditional IRA
You may be eligible to make income tax deductible contributions
Earnings potentially grow tax-deferred until you withdraw them in retirement.
Roth IRA4
Tax-free growth potential retirement investing
Pay no income taxes or tax penalties on qualified distributions if you meet certain requirements.
Rollover IRA
Consider rolling over your old 401(k) plan assets to an E*TRADE from Morgan Stanley IRA
Consolidate assets from a former employer’s retirement plan.
Premium Savings Account
Boost your savings with 4.00% Annual Percentage Yield8
With rates 9X the national average9 and FDIC-insured up to $500,00010; certain conditions must be satisfied.
Morgan Stanley Private Bank, Member FDIC.
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 on a tax-deferred basis 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 either the minor reaches the statutory age of termination or custodianship is otherwise terminated.
Retirement
Invest in the future, with retirement accounts from E*TRADE from Morgan Stanley.
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
Consider rolling over your old 401(k) plan assets to an E*TRADE from Morgan Stanley IRA
Consolidate assets from a former employer’s retirement plan.
Roth IRA4
Tax-free growth potential retirement investing
Pay no income taxes or tax penalties on qualified distributions if you meet certain requirements.
Traditional IRA
You may be eligible to make income tax deductible contributions
Earnings potentially grow tax-deferred until you withdraw them in retirement.
Inherited (Beneficiary) IRA
For inherited retirement accounts
Keep inherited retirement assets tax-deferred while investing for the future.
E*TRADE CompleteTM IRA
For retirement investors over age 59½
Upgrade your account for flexible access to cash with free checking, online bill pay, and ATM/debit cards.6,7
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
A range of managed 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 a low annual advisory fee of 0.30% and $500 minimum.
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 from Morgan Stanley.
Traditional and Roth Individual 401(k)
Retirement plan for the self-employed
Retirement plan for business owners and their spouses that is simpler to administer than a typical 401(k).
SIMPLE IRA
For businesses with fewer than 100 employees
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 (subject to certain limits).
Investment-Only Account
For businesses with existing retirement plans
Expand the range of available investment options without changing plan custodians.
Morgan Stanley Private Bank
Make the most of your cash with a suite of integrated high-yield banking and lending solutions.
Learn more about Morgan Stanley Private Bank accounts.
Certificates of Deposit (CD)
Fixed rates. Annual Percentage Yield up to 4.15%17,18
Lock in a competitive fixed rate for terms from 6 Months to 60 Months.19
Morgan Stanley Private Bank, Member FDIC.
Checking
Everyday banking with no monthly fees and no minimums
ATM fee refunds nationwide.14,15
Morgan Stanley Private Bank, Member FDIC.
Max-Rate Checking
Competitive yield with 3.00% Annual Percentage Yield12 and no transaction fees
Plus ATM and foreign transaction fee refunds worldwide.13,14 $15 monthly account fee waived with $5,000 average monthly balance.16
Morgan Stanley Private Bank, Member FDIC.
Premium Savings Account
Boost your savings with 4.00% Annual Percentage Yield8
With rates 9X the national average9 and FDIC-insured up to $500,00010; certain conditions must be satisfied.
Morgan Stanley Private Bank, Member FDIC.
Line of Credit
Flexible financing to help meet your goals20
Unlock the power of your portfolio for cash when you need it most.
Not FDIC Insured • No Bank Guarantee • May Lose Value
Get up to $1,000 for a limited time1
Open and fund a new brokerage account with a qualifying deposit by July 31, 2025. Learn how
Terms apply. Use promo code: OFFER25