温馨提示：本站仅提供公开网络链接索引服务，不存储、不篡改任何第三方内容，所有内容版权归原作者所有
AI智能索引来源：http://www.ms.com/articles/preparing-for-retirement-checklist
点击访问原文链接

Preparing for Retirement: A Checkup Guide | Morgan Stanley

进入原网站 导航首页
Preparing for Retirement: A Checkup Guide | Morgan Stanley Investor Relations Media Relations Client Login Client Login Morgan Stanley Online Morgan Stanley at Work Research Portal Matrix

Morgan Stanley Online

Morgan Stanley at Work

Research Portal

Matrix

Our Insights Our Insights Personal Finance Market Trends Technology & Disruption Sustainability Diversity & Inclusion STAY UP TO DATE Sign Up For Our Newsletter Listen To Our Podcasts

At Morgan Stanley, we lead with exceptional ideas. Across all our businesses, we offer keen insight on today's most critical issues.

Personal Finance

Learn from our industry leaders about how to manage your wealth and help meet your personal financial goals.

At Morgan Stanley, we lead with exceptional ideas. Across all our businesses, we offer keen insight on today's most critical issues.

Market Trends

From volatility and geopolitics to economic trends and investment outlooks, stay informed on the key developments shaping today's markets.

At Morgan Stanley, we lead with exceptional ideas. Across all our businesses, we offer keen insight on today's most critical issues.

Technology & Disruption

Whether it’s hardware, software or age-old businesses, everything today is ripe for disruption. Stay abreast of the latest trends and developments.

At Morgan Stanley, we lead with exceptional ideas. Across all our businesses, we offer keen insight on today's most critical issues.

Sustainability

Our insightful research, advisory and investing capabilities give us unique and broad perspective on sustainability topics.

At Morgan Stanley, we lead with exceptional ideas. Across all our businesses, we offer keen insight on today's most critical issues.

Diversity & Inclusion

Multicultural and women entrepreneurs are the cutting-edge leaders of businesses that power markets. Hear their stories and learn about how they are redefining the terms of success.

Featured 2025 Midyear Investment Outlook: All Eyes on the U.S. Outlooks 2025 Midyear Economic Outlook: A Widespread Deceleration Outlooks Thoughts on the Market Insights What We Do What We Do Wealth Management Investment Banking & Capital Markets Sales & Trading Research Investment Management Morgan Stanley at Work Sustainable Investing Inclusive & Sustainable Ventures

Morgan Stanley helps people, institutions and governments raise, manage and distribute the capital they need to achieve their goals.

Wealth Management

We help people, businesses and institutions build, preserve and manage wealth so they can pursue their financial goals.

Morgan Stanley helps people, institutions and governments raise, manage and distribute the capital they need to achieve their goals.

Investment Banking & Capital Markets

We have global expertise in market analysis and in advisory and capital-raising services for corporations, institutions and governments.

Morgan Stanley helps people, institutions and governments raise, manage and distribute the capital they need to achieve their goals.

Sales & Trading

Global institutions, leading hedge funds and industry innovators turn to Morgan Stanley for sales, trading and market-making services.

Morgan Stanley helps people, institutions and governments raise, manage and distribute the capital they need to achieve their goals.

Research

We offer timely, integrated analysis of companies, sectors, markets and economies, helping clients with their most critical decisions.

Morgan Stanley helps people, institutions and governments raise, manage and distribute the capital they need to achieve their goals.

Investment Management

We deliver active investment strategies across public and private markets and custom solutions to institutional and individual investors.

Morgan Stanley helps people, institutions and governments raise, manage and distribute the capital they need to achieve their goals.

Morgan Stanley at Work

We provide comprehensive workplace financial solutions for organizations and their employees, combining personalized advice with modern technology.

Morgan Stanley helps people, institutions and governments raise, manage and distribute the capital they need to achieve their goals.

Sustainable Investing

We offer scalable investment products, foster innovative solutions and provide actionable insights across sustainability issues.

Morgan Stanley helps people, institutions and governments raise, manage and distribute the capital they need to achieve their goals.

Inclusive & Sustainable Ventures

From our startup lab to our cutting-edge research, we broaden access to capital for entrepreneurs and spotlight their success.

Featured Get Matched with a Financial Advisor Wealth Management Explore What We Offer E*TRADE from Morgan Stanley About Us About Us Core Values Leadership History Locations Diversity Sustainability Giving Back Technology Sponsorships

Since our founding in 1935, Morgan Stanley has consistently delivered first-class business in a first-class way. Underpinning all that we do are five core values.

Core Values

Everything we do at Morgan Stanley is guided by our five core values: Do the right thing, put clients first, lead with exceptional ideas, commit to diversity and inclusion, and give back.

Since our founding in 1935, Morgan Stanley has consistently delivered first-class business in a first-class way. Underpinning all that we do are five core values.

Leadership

Morgan Stanley leadership is dedicated to conducting first-class business in a first-class way. Our board of directors and senior executives hold the belief that capital can and should benefit all of society.

Since our founding in 1935, Morgan Stanley has consistently delivered first-class business in a first-class way. Underpinning all that we do are five core values.

History

From our origins as a small Wall Street partnership to becoming a global firm of more than 80,000 employees today, Morgan Stanley has been committed to clients and communities for 90 years.

Since our founding in 1935, Morgan Stanley has consistently delivered first-class business in a first-class way. Underpinning all that we do are five core values.

Locations

The global presence that Morgan Stanley maintains is key to our clients' success, giving us keen insight across regions and markets, and allowing us to make a difference around the world.

Since our founding in 1935, Morgan Stanley has consistently delivered first-class business in a first-class way. Underpinning all that we do are five core values.

Diversity

Morgan Stanley is differentiated by the caliber of our diverse team. Our culture of access and inclusion has built our legacy and shapes our future, helping to strengthen our business and bring value to clients.

Since our founding in 1935, Morgan Stanley has consistently delivered first-class business in a first-class way. Underpinning all that we do are five core values.

Sustainability

Our firm's commitment to sustainability informs our operations, governance, risk management, diversity efforts, philanthropy and research.

Since our founding in 1935, Morgan Stanley has consistently delivered first-class business in a first-class way. Underpinning all that we do are five core values.

Giving Back

At Morgan Stanley, giving back is a core value—a central part of our culture globally. We live that commitment through long-lasting partnerships, community-based delivery and engaging our best asset—Morgan Stanley employees.

Since our founding in 1935, Morgan Stanley has consistently delivered first-class business in a first-class way. Underpinning all that we do are five core values.

Technology

As a global financial services firm, Morgan Stanley is committed to technological innovation. We rely on our technologists around the world to create leading-edge, secure platforms for all our businesses.

Since our founding in 1935, Morgan Stanley has consistently delivered first-class business in a first-class way. Underpinning all that we do are five core values.

Sponsorships

At Morgan Stanley, we believe creating a more equitable society begins with investing in access, knowledge and resources to foster potential for all. We are committed to supporting the next generation of leaders and ensuring that they reflect the diversity of the world they inherit.

Careers Careers Students & Graduates Opportunities Experienced Professionals Opportunities Technology Professionals Experienced Financial Advisors

We believe our greatest asset is our people. We value our commitment to diverse perspectives and a culture of inclusion across the firm. Discover who we are and the right opportunity for you.

Students & Graduates

A career at Morgan Stanley means belonging to an ideas-driven culture that embraces new perspectives to solve complex problems. See how you can make meaningful contributions as a student or recent graduate at Morgan Stanley.

We believe our greatest asset is our people. We value our commitment to diverse perspectives and a culture of inclusion across the firm. Discover who we are and the right opportunity for you.

Experienced Professionals

At Morgan Stanley, you’ll find trusted colleagues, committed mentors and a culture that values diverse perspectives, individual intellect and cross-collaboration. See how you can continue your career journey at Morgan Stanley.

We believe our greatest asset is our people. We value our commitment to diverse perspectives and a culture of inclusion across the firm. Discover who we are and the right opportunity for you.

Experienced Financial Advisors

At Morgan Stanley, our premier brand, robust resources and market leadership can offer you a new opportunity to grow your practice and continue to fulfill on your commitment to deliver tailored wealth management advice that helps your clients reach their financial goals.

Featured Explore Our Culture Careers Yes, You Can Be a Tech Innovator at Morgan Stanley Technology CLEAR Wealth Management A Simple Six-Step Retirement Checkup May 28, 2025

Checking in on your retirement plan may make a lot of sense, especially when market volatility arises.

Author Dan Hunt, Senior Investment Strategist Key Takeaways Periodically checking your retirement plan, especially during periods of market volatility, can help ensure you’re on track to meet your goals. If you find that you’re off track, small tweaks to your investment strategy, such as adjusting your asset allocation, can make a big difference. You can also consider stretching out your time horizon, reducing the amount you plan to spend in retirement, or increasing portfolio risk—or some combination of the three. If you’re on target to retire with room to spare, consider reducing the amount of risk in your portfolio to lock in your progress. The markets have taken investors on a wild ride this year, and the volatility appears poised to continue amid an uncertain economy. Still it is important to remember that periodic volatility is a normal part of investing. Whenever it arises, it’s important to check your current retirement plan to confirm that you’re on track to meet your investment goals. Even when the broader market rises higher, it is still beneficial to track that your investments are performing in line with expectations. What’s more, if you haven’t been keeping up with your contributions or have otherwise deviated from the plan—or if you’ve experienced big life changes like a new job or new marriage--you’ll want to see how those events have impacted your status. 

 

A Financial Advisor may be able to help you find avenues to improve your portfolio or plan if you aren’t making the progress you expected. If you have a lot of time until you retire, small tweaks in savings or investment strategy may make a big difference toward meeting your goal. Retirement just around the corner? Sometimes a few changes to your plan now can help you cross the finish line, even if market conditions are less than fully cooperative. Are you doing even better than anticipated? Maybe now is a good time to reduce your risk exposure to lock in that progress and hedge against future market volatility.

 

Here’s a six-step retirement plan checkup that may be helpful, including how a Financial Advisor can help you adjust your plan as needed:

Find a Financial Advisor, Branch and Private Wealth Advisor near you. Check the background of Our Firm and Investment Professionals on FINRA's Broker/Check.

Enter zipcode Enter Zip Code Go 1 Determine where you stand. Find out whether the amount you’re saving and investing is on pace with the money you’ll need to retire (with some margin for error). You can ask your Financial Advisor, if you have one, or you can find numerous calculators online to help. Also, some investment advisory accounts inform you automatically when you aren’t meeting your goals. If you have accumulated several different retirement accounts from past jobs, however, knowing where you stand may be harder than it should be. A Financial Advisor may be able to help you consolidate your retirement accounts.

2 If you’re off track, figure out why. Are you saving as much as you planned? Are you maximizing your contributions to your employer-sponsored retirement plan or individual retirement account (IRA)? Is the amount of money you’ll need in retirement increasing? If you’re not on course because your investments aren’t performing well (or because some of them overperformed), your Financial Advisor may suggest you make a change to your asset allocation strategy or to the specific investments you’ve chosen. If your investments are not performing at least in line with benchmarks, your Financial Advisor may review the latest research in the context of the original rationale for the investment. Assuming that checks out, it may be preferable to hold off on any changes, as chasing top performers may be a poor way to make decisions. 

3 Decide how to get back on track. This could include revisiting your goal, for example by stretching out the time horizon until you retire or reducing the amount of money you plan to spend in retirement. It could mean creating a financial plan that reflects the propensity for retirees to spend less as retirement goes on, which means you might be better prepared than you think. It can also signify the need to increase portfolio risk, though only after careful consideration of your risk tolerance. It could be that the most palatable option is a little of all three, which could minimize the impact of any one change. Consulting with a Financial Advisor may help you identify a clear path to reaching your goals.

4 Take advantage of ways to improve returns without magnifying the risks. These strategies may include options to mitigate taxes, such as “income smoothing” and tax loss harvesting. Insurance can also play a role. Long-term care, life insurance and annuities may have the potential to bolster your retirement plan due to their tax treatment and risk mitigation features. These strategies can be complex and a Financial Advisor may be able help you implement them.

 

5 Tally up your income sources. If you are retiring soon, you will need to get the most out of your income. This could include strategies for claiming Social Security and traditional pension fund payments, and, where applicable, approaches to help you secure or maximize rental income. If your reliable sources of income will not cover a good portion of your needs, your Financial Advisor may suggest you add more conservative income-oriented investments, such as dividend-paying stocks or bonds. 

6 Assess the risk level of your plan. If you run through these steps and realize that you are on target to retire in a few years with room to spare, your Financial Advisor may suggest you consider reducing the amount of risk in your portfolio. 

Checking in on your retirement plan doesn’t just entail making sure you are saving enough money. It also means helping ensure the savings you’ve worked so hard to accumulate will be there when you need it. A Financial Advisor may be able to help.

Find a Financial Advisor, Branch and Private Wealth Advisor near you. Check the background of Our Firm and Investment Professionals on FINRA's Broker/Check.

Enter zipcode Enter Zip Code Go Wealth Management 6 Money Moves to Make in the Decade Before Retirement As retirement approaches, you’ll want to have a clear understanding of what your financial needs are and if there’s room for improvement. Wealth Management 5 Common Myths about Retirement Planning Even if you’re decades away from retirement, there’s no time like the present to start planning. Discover five common misconceptions to avoid and how to build healthy wealth habits today. Wealth Management 5 Mistakes to Avoid in Retirement How you plan your finances in retirement may be just as important as the process of saving for retirement. Here are some key considerations. Wealth Management How to Avoid Outliving Your Retirement Savings If your retirement lasts longer than you expect, will you be ready? Here’s how to make your money last. Wealth Management 6 Money Moves to Make in the Decade Before Retirement Wealth Management 5 Common Myths about Retirement Planning Wealth Management 5 Mistakes to Avoid in Retirement Wealth Management How to Avoid Outliving Your Retirement Savings Discover more  Insights to help you go further.

Develop Your Retirement Roadmap Morgan Stanley Wealth Management Tax Disclosures:

Tax laws are complex and subject to change. Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice and are not “fiduciaries” (under the Investment Advisers Act of 1940, ERISA, the Internal Revenue Code or otherwise) with respect to the services or activities described herein except as otherwise provided in writing by Morgan Stanley and/or as described at www.morganstanley.com/disclosures/dol. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a retirement plan or account, and (b) regarding any potential tax, ERISA and related consequences of any investments made under such plan or account.  

When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account.

Investing Disclosures:

This material does not provide individually tailored investment advice.  It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.  The securities discussed in this material may not be appropriate for all investors.  Morgan Stanley recommends that investors independently evaluate particular investments and strategies, and encourages investors to seek the advice of a Financial Advisor.  The appropriateness of a particular investment or strategy will depend on an investor’s individual circumstances and objectives.

Asset allocation does not ensure a profit or protect against loss in declining financial markets.

Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

Equity securities may fluctuate in response to news on companies, industries, market conditions and general economic environment.  Companies paying dividends can reduce or stop payouts at any time.

Fixed Income investing entails credit risks and interest rate risks.  When interest rates rise, bond prices generally fall.

Past performance is not a guarantee of future results.

© 2025  Morgan Stanley Smith Barney LLC.  Member SIPC.

CRC# 4524111  (05/2025) 

View Disclosures Close Disclosures Disclosures Investor Relations Corporate Governance Newsroom Careers Contact Us Global Offices Equal Employment Opportunity Cybersecurity Terms of Use Privacy & Cookies Your Privacy Choices

© 2026 Morgan Stanley. All rights reserved.

智能索引记录