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Retirement accounts

Take on your retirement with E*CAPITAL

Invest for the future with tax qualified retirement accounts, easy-to-use tools, and a special limited-time cash credit.

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Put our retirement accounts to work for you

Whether you're just starting to save for retirement or are weighing what to do with an old 401(k) or 403(b)2, we've got the tax-qualified accounts you may need.

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Get up to $10,000 cash credit1

Open and fund a new eligible retirement account with a qualifying deposit by January 31, 2026. Terms apply. Use promo code: RETIRE25

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Retirement planning

Invest in tomorrow by starting today

Use our retirement calculator to see how much your savings could potentially grow in a tax-qualified retirement account.

Get started

I'm 35 years old and I plan to retire at age 65

Rate of Return:

Open an account

Three reasons to invest with an
ECAPITAL retirement account

1

Fee-free accounts

Our retirement accounts are free to open and have no maintenance fees. Stock, ETF, mutual fund, and options trades are commission-free, and pricing and rates for advanced trading is competitive. Other fees may apply.6

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2

Wide range of offerings

From individual accounts like traditional and Roth IRAs, to niche small-business solutions like SIMPLE and SEP IRAs, we have the right retirement account to help meet your needs.

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3

Easy to use

Whether you're saving for retirement or living it, our accounts are easy to manage online or on the ECAPITAL mobile app.

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Awards and recognition

E*CAPITAL Retirement Accounts won 'Best in Class' in Stockbrokers.com 2025 Annual Awards.

Stockbrokers.com 2025 Annual Awards7
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Education and resources

Insights to stay informed and inspired

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Which IRA could be right for me?

E*CAPITAL has an IRA that can help you make progress toward your retirement goals.

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Four things you should consider before rolling over your 401(k)

IRAs are tax-deferred vehicles that can generally accept a rollover of assets from a qualified retirement plan.

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Understanding required minimum distributions (RMDs)

Planning ahead for what you want to do with the money may help reduce taxes and increase options for re-investing.

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FAQ Section

Frequently asked questions

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How do I open an account? +

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 Phone

Call 800-387-2331

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 Morgan Stanley Private Bank (depending on the type of account you're opening) to the appropriate address.
How do I place a trade? +

At E*TRADE, we make it easy to trade stocks, bonds, ETFs, mutual funds, and more. Watch our platform demos or join us live every Wednesday at 11 a.m. ET for a 20-minute getting started webinar. We'll show you how to place an order, and answer any questions you have during a live Q&A session. All with no hold times!

What are your commissions and fees? +

E*TRADE from Morgan Stanley offers $0 commissions for online US-listed stock, ETF, mutual fund, and options trades - other rates and fees may apply.

View all rates and fees.

How do you ensure the security and privacy of my account? +

Protecting our customers' personal and financial information is one of our top priorities. In addition to some of the most advanced online security available, we offer the E*TRADE Complete Protection Guarantee, which protects your privacy, your assets, and every transaction you make.

  • Complete fraud protection: $0 liability for unauthorized use of your account.
  • Complete payment protection: Plus on-time, accurate online Bill pay and Transfer Money.
  • Complete privacy protection: We will not sell your personal information to third parties or marketers for any purpose.
  • An optional Digital Security ID: Unauthorized logon is virtually impossible.
  • Electronic documents: Help curb identity theft (you receive statements and account documents online instead of by mail).
  • Alerts: You receive customized reports of account activity and every transaction by email or mobile phone.

For complete details, visit www.etrade.com/protection.

Important Disclosures

Investment Risk:

All investments involve risk, including the possible loss of principal. Past performance does not guarantee future results. Investment products are not guaranteed by ECapital Advisory or any of its affiliates.

Investment Products • Capital At Risk • No Guaranteed Returns

Regulatory Notice:

ECapital Advisory Services is an independent investment advisory platform. All transactions are subject to our Terms and Conditions and Privacy Policy. Please read all agreements carefully before investing.

Investing in securities involves risk, including possible loss of principal. Past performance is not an indication of future results.

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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