Is the Morgan Stanley advisory accounts cash rate good?
It's close to what Treasury bills pay before tax.
Advisory account. Default option: Bank Deposit Program, advisory, paying 3.85% (Balances from $250,000; 0.01% below), per the provider's own page, checked October 23, 2026. 3-month Treasury bills: 4.22% (U.S. Treasury, October 23, 2026). Often better: Compare after your advisory fee.
How to read this: gross figures annualize today's rate on your balance; rates change. After-tax figures are estimates from your tax settings, with the math under each one. Advantages compare against Morgan Stanley advisory accounts and aren't guaranteed savings. IRAs are compared only with other IRA options, since their interest isn't taxed each year.
| Provider and account | Rate, verified | Gross per yearat today's rate | Est. after taxyour settings | Access, conditions, protection | Est. advantagevs your current option |
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