Morgan Stanley · NYSE:MS
Morgan Stanley — Investor Presentation (June 2025)
30 slides from Morgan Stanley's investor presentation, June 2025
Slide 1: Retirement Planning
Retirement Planning © 2025 MORGAN STANLEY SMITH BARNEY LLC. MEMBER SIPC. CRC 4559925 06/25
Slide 2: What Are Your Retirement Goals For the Future?
What Are Your Retirement Goals For the Future? Retirement is a major life transition and means different things to different people. We can help you articulate what you really want to achieve for yourself and your family. What’s your idea of a When would you ideally Will you downsize from comfortabl
Slide 3: Are You On Track To Fund Your Future Retirement Goals?
Are You On Track To Fund Your Future Retirement Goals? Will You Have Enough, More Than Enough or Not Enough to Reach Your Future Retirement Goals? Potential Expenses Greater than Financial Resources = Potential Shortfall Financial Resources Greater than Potential Expenses = Potential Surplus NO LONG
Slide 4: Uncertainty is Common
Uncertainty is Common Even after defining goals, many investors feel a lack confidence surrounding their likelihood of achieving those goals, as well as clarity on how to achieve them. Investors Demonstrate Significant Confident Gap between Likeliness of Achieving Retirement Goals and Knowledge of H
Slide 5: A Well-Designed Plan Considers Many Factors
A Well-Designed Plan Considers Many Factors Some retirement strategies have a narrow approach only look At portfolio construction and risk tolerance. Our approach considers many other important factors, which can guard against more than just market volatility. CAN GUARD AGAINST: ADDITIONAL FACTORS W
Slide 6: Structuring A Well-Rounded Planning Approach
Structuring A Well-Rounded Planning Approach The key to managing uncertainty is to build a successful retirement planning strategy. We believe that a successful strategy must meet the following criteria. 1 5 Your plan should be customized to reflect what you Your plan should seek to reduce taxes car
Slide 7: Time Horizon & Longevity
Time Horizon & Longevity The point at which you begin to draw on your assets as well as the length of time you will need to draw upon them, is important to consider. LIFE EXPECTANCY TODAY IS LONGER THE PROBABILITY OF REACHING AGE 85 THAN YOU MAY REALIZE A 60-year-old man has a 76% 60-Yr. chance of r
Slide 8: Retirement Cash Flows: Social Security
Retirement Cash Flows: Social Security Social Security provides a safety net for eligible Americans that can supplement a pension, personal investments, and savings. TIMING OF FILING IMPACTS YOUR BENEFIT AMOUNT FILING EARLY FILING AT FULL RETIREMENT AGE DELAYING FILING You may begin receiving benefi
Slide 9: Tax-Efficiency: Smart Withdrawal Sequencing
Tax-Efficiency: Smart Withdrawal Sequencing The taxation of your assets during your lifetime is another factor to consider when evaluating your cash flows in retirement and the sequence in which you withdraw can make a difference. In which order should you withdraw from your accounts? Backed by our
Slide 10: Protect Against Unexpected Events
Protect Against Unexpected Events An unforeseen event can impact your ability to achieve your retirement goals. It is important to evaluate how your plan could be impacted and evaluate protections strategies appropriate for you. PROTECTION STRATEGIES POSSIBLE UNFORESEEN EVENTS Life insurance Unexpec
Slide 11: Preparing for College Costs
Preparing for College Costs Another common component of the wealth management framework is planning for college costs. With the cost of college on the rise, it is important to understand how funding this goal interacts with the funding of other goals and priorities. • Total federal grant aid decreas
Slide 12: Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC
Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. The sole purpose of this material is to inform, and it in no way is intended to be an ofer or solicitation to purchase or sell any security, other investment or ser
Slide 13: manager due diligence process are equally important factors for investors when considering managers for
manager due diligence process are equally important factors for investors when considering managers for use through an investment advisory program. Factors including, but not limited to, manager turnover and changes to investment process can partially or fully negate a positive Adverse Active Alpha
Slide 14: Management or its afliates receive compensation from, or otherwise related to, those investment managers
Management or its afliates receive compensation from, or otherwise related to, those investment managers or mutual funds. For example, a Financial Advisor may suggest that GIMA evaluates an investment manager or fund in which a portion of his or her clients’ assets are already invested. While such a
Slide 15: Nontraditional investment options and strategies are often employed by a portfolio manager to further
Nontraditional investment options and strategies are often employed by a portfolio manager to further a fund’s investment objective and to help ofset market risks . However, these features may be complex, making it more difcult to understand the fund’s essential characteristics and risks, and how it
Slide 16: Structured Investments are complex and not appropriate for all investors
Structured Investments are complex and not appropriate for all investors. An investment in Structures Investments involve risks. These risks can include but are not limited to: (1) Fluctuations in the price, level or yield of underlying instruments, interest rates, currency values and credit quality
Slide 17: It should be noted that the majority of hedge fund indexes are comprised of
It should be noted that the majority of hedge fund indexes are comprised of hedge fund manager returns. This is in contrast to traditional indexes, which are comprised of individual securities in the various market segments they represent and ofer complete transparency as to membership and construct
Slide 18: Virtual Currency Products (Cryptocurrencies)
Virtual Currency Products (Cryptocurrencies) Buying, selling, and transacting in Bitcoin, Ethereum or other digital assets (“Digital Assets”), and related funds and products, is highly speculative and may result in a loss of the entire investment. Risks and considerations include but are not limited
Slide 19: like other investors have, you can lose some or all of your holdings of
like other investors have, you can lose some or all of your holdings of Digital Assets. - Unlike US banks and credit unions that provide certain guarantees of safety to depositors, there are no such safeguards provided to Digital Assets held in digital wallets by their providers or by regulators. -
Slide 20: independent decision. This material is not a fnancial plan and does not create an
independent decision. This material is not a fnancial plan and does not create an investment advisory relationship between you and your Morgan Stanley Financial Advisor. We are not your fduciary either under the Employee Retirement Income Security Act of 1974 (ERISA) or the Internal Revenue Code of
Slide 21: disclosures and/or marketing material to learn more about how it incorporates ESG factors into
disclosures and/or marketing material to learn more about how it incorporates ESG factors into its investment strategy. ESG investments may also be referred to as sustainable investments, impact aware investments, socially responsible investments or diversity, equity, and inclusion ("DEI") investmen
Slide 22: through Morgan Stanley Smith Barney LLC’s licensed insurance agency afliates. Since life and long-term
through Morgan Stanley Smith Barney LLC’s licensed insurance agency afliates. Since life and long-term care insurance are medically underwritten, you should not cancel your current policy until your new policy is in force. A change to your current policy may incur charges, fees and costs. A new poli
Slide 23: Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as
Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third -party corporate trustee. The trust services referenced herein are provided by the third parties listed who are not afliated with Morgan
Slide 24: applicable. Borrowing against securities may not be appropriate for everyone. Clients must be aware
applicable. Borrowing against securities may not be appropriate for everyone. Clients must be aware that there are risks associated with a securities based loan, including possible maintenance calls on short notice, and that market conditions can magnify any potential for loss. For details please se
Slide 25: National Association is an Equal Housing Lender and Member FDIC that is primarily regulated
National Association is an Equal Housing Lender and Member FDIC that is primarily regulated by the Ofce of the Comptroller of the Currency. Nationwide Mortgage Licensing System Unique Identifer #663185. The proceeds from a residential mortgage loan (including draws and advances from a home equity li
Slide 26: The Morgan Stanley Blue Cash Preferred® Card is only available for clients who have
The Morgan Stanley Blue Cash Preferred® Card is only available for clients who have an Eligible Account with Morgan Stanley Smith Barney LLC or its eligible afliates, including but not limited to E*TRADE from Morgan Stanley. An “Eligible Account” is a brokerage account (i) held in your name, (ii) he
Slide 27: Savings are eligible for FDIC insurance up to $250,000 (including principal and interest) per
Savings are eligible for FDIC insurance up to $250,000 (including principal and interest) per depositor, per each bank selected by the client for all deposits held in the same insurable capacity (the Maximum Applicable Deposit Insurance Amount), provided that certain conditions are satisfed. All dep
Slide 28: apply. Subject to device connectivity. Cash management and lending products and services are provided
apply. Subject to device connectivity. Cash management and lending products and services are provided by Morgan Stanley Smith Barney LLC, Morgan Stanley Private Bank, National Association or Morgan Stanley Bank, N.A, as applicable. The information provided herein is not intended to address any parti
Slide 29: applicable to brokerage relationships, it has been applied to the analysis, which may result
applicable to brokerage relationships, it has been applied to the analysis, which may result in hypothetical returns that are slightly lower than what would have been achieved by a brokerage account. The actual fee may be less than this amount and will generally be charged monthly and not daily. How
Slide 30: The American Financial Technology Award’s Best Risk Management Initiative was awarded in 2022. This
The American Financial Technology Award’s Best Risk Management Initiative was awarded in 2022. This ranking was determined based on an evaluation process conducted by Waters Technology during the period from 02/09/2022 – 04/11/22. Neither Morgan Stanley Smith Barney LLC nor its Financial Advisors or