401(k) Investment Options

2024 Plan Information

Investment Options

You decide how your money is invested in the 401(k) Plan. The Plan offers two investment paths to address the various needs of its diverse participants.

  • Path 1: Delegate (choose your target date fund) is geared to the participant seeking a diversified portfolio that shifts the investment mix based on the time remaining until the target retirement date.
  • Path 2: Customize (choose your own investments) is geared to the participant who prefers to customize his or her investment portfolio.

With both paths, you may diversify and access investment options with varying risk and return profiles.

There is no assurance that a fund in the 401(k) Plan will achieve its investment objective. Funds are subject to market risk. The market value of a fund may decline and the value of fund shares may be more or less than what you paid for them. Accordingly, you can lose money investing in any fund.

Download the 401(k) Investment Guide and Fee Disclosure

The 401(k) Investment Guide and Fee Disclosure can help you decide which path is right for you and provide you with certain information to evaluate the available funds, such as fees and expenses. You have the right and responsibility to invest your account in the manner you choose by selecting the investment path and the funds that are right for you. You may also want to consult with an investment professional about the best investment strategy to help you reach your retirement goals.

Adhere to the Firm’s Trading Rules

In general, you may change your investment choices as often as you like. However, you are required to hold most funds a minimum of 30 days. In addition, any trading restriction or window period that applies to you as a Morgan Stanley employee also applies to your Plan investments in the same way that it applies to your trading accounts outside the Plan. See the 401(k) Summary Plan Description for more information.