Home >  Education >     Retirement           Retirement Planning Basics   Planning for the Future To live comfortably after you retire, you have to be realistic about how much you'll need to pay the bills. Personal Investing Goals Chances are, living the life you want after you retire will depend on your investment income.   Individual Retirement Accounts (IRAs)   IRAs - What They Are IRAs are retirement plans for individuals that are easy to set up. IRAs - Weighing the Merits It's hard not to love your IRA, and it's smart to understand how it works.         For more information       Begin your journey to financial success. Get started           Branch Locator | Site Map | Privacy | Terms of Use | Disclosures | Morgan Stanley & Co. Incorporated Financial Statement     Effective April 1, 2007, Morgan Stanley DW Inc. merged with Morgan Stanley & Co. Incorporated; any non-historical references to Morgan Stanley DW Inc. found on our website should be read to refer to Morgan Stanley & Co. Incorporated.   Investment consulting services are offered at Morgan Stanley only through investment advisory programs and are not available through traditional brokerage accounts and products. Please speak with a Morgan Stanley Financial Advisor to further discuss the differences between brokerage and advisory products offered by Morgan Stanley.   Investments and services are offered through Morgan Stanley & Co. Incorporated, member SIPC. © 2008 Morgan Stanley. All rights reserved.   The information and services provided on this website are intended for persons in the U.S. only. Non-U.S. persons are directed to our Global Offices page.