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关于退休账户的重要信息*

On July 7, 2020, the U.S. Department of Labor (“DOL”) published a Final Rule formally implementing the vacatur of the 2016 DOL Fiduciary Rule issued by the U.S. Court of Appeals for the Fifth Circuit on June 21, 2018. The DOL Fiduciary Rule had redefined the term “fiduciary” under the Employee Retirement Income Security Act of 1974 (“ERISA”) and the Internal Revenue Code of 1986 (the “Code”). As a result of this Final Rule, the DOL Fiduciary Rule, along with the related Best Interest Contract Exemption and Principal Transaction Exemption, have been repealed and the DOL’s prior rule defining who is an investment advice fiduciary is restored.

如果您的退休账户纳入摩根斯坦利咨询小组咨询计划之一,您可以在您收到财务顾问的投资建议,摩根士丹利将manbet客户端下载继续作为Erisa和/或其退休账户的代码作为受托的受托人。请参阅您的计划ADV以获取有关该计划提供的服务的更多信息以及我们对您的作用和责任。

对于那些未注册咨询计划的退休账户,而是维持摩根士丹利的经纪账户和/或注册企业退休计划或企业退休计划计划,摩根士丹利将继续为您的账户提供服务,并将继续manbet客户端下载以您的最佳利益行事,但不一定被视为埃里达和/或代码下的受托人,除非当然,我们根据恢复的DOL规则提供投资建议,并同意以书面形式这样做。

Please note that the Securities and Exchange Commission’s Regulation Best Interest, which requires broker-dealers to act in the best interest of their retail customers when recommending securities transactions or investment strategies to retail clients, is effective as of June 30, 2020. Morgan Stanley has long supported the idea of a uniform best interest standard that would apply to all clients regardless of account type as we believe it reduces client confusion and corresponds with our Core Value of Putting Clients First.

如阁下有任何疑问,欢迎与我们联络。

*退休账户意味着任何个人退休账户(“IRA”),Roth IRA,健康储蓄账户,Archer医疗储蓄账户,Archer Medical储蓄账户,埃里萨涵盖的计划,或第4975(E)第4975(1)条所述的计划(a)代码。