If you are invested in MainStay Funds, you automatically have online account access.
To get started, all you have to do is create a Personal Identification Number (PIN).
You'll need to set up a Reset PIN Question and Answer only if you want to be able to reset your PIN online at some point in the future.
If you are a new user, you'll need to set up a Reset PIN Question and Answer when you create a PIN for your account.
If you are an existing shareholder with online account access, click on the Change PIN button and follow the instructions to change your PIN and enter a Reset PIN Question and Answer.
If you forget your PIN, you can reset your PIN online only after previously establishing a Reset PIN Question and Answer. From the Account Login page, enter your SSN under Returning Users and click on the Reset PIN button. You will be shown your Reset PIN Question and prompted to enter your answer. Once your answer has been verified, you will be prompted to enter your account number and create a new PIN. For security purposes, your current Reset PIN Question and Answer will be discarded. You must enter a new Reset PIN Question and Answer to be able to reset your PIN online in the future.
You can also reset your PIN by calling our toll-free number at 800-MAINSTAY (624-6782), from 8:00 a.m. - 6:00 p.m. Eastern time. A shareholder services representative will reset your PIN. Once the PIN is reset, you will need to create a new PIN.
Your account number can be found on both your quarterly and transaction confirmation statements. Depending on which type of statement you have received, your account number is either eight digits after the first hyphen (see A) or located in a stand-alone Account No. box (see B).
Your registered representative information appears in the top right hand corner of any MainStay statement. If you would like to be put in touch with a registered representative in your area, please call our toll-free number, 1-800-MAINSTAY (1-800-624-6782), from 8:00 a.m. -
6:00 p.m. Eastern time.
For certain transactions, your bank information is required. To set up your bank information, please download and submit our Account Service Form or call our toll-free number at 800-MAINSTAY (624-6782), from 8:00 a.m. - 6:00 p.m. Eastern time.
MainStay Funds are offered in three retail share classes: A, B, and C (except for MainStay Equity Index, Indexed Bond, S&P 500 Index, and Short Term Bond Funds which offer only Class A shares). There are also share classes for institutional investors (Class I) and employer-sponsored plans (Class R1 and Class R2). For additional information, go to Prices & Performance and sort by share class.
Yes, you can make and update systematic purchases and exchanges from the Manage Account page as described below:
Request Systematic Purchases
Make regularly scheduled investments of at least $50 by debiting your bank account as often as you choose. Once a systematic purchase has been set up, you can update or delete your systematic purchase. To take advantage of this feature, your bank information must already be established with us.
Request Systematic Exchanges
Automatically exchange a number of shares or dollar amounts of at least $100 among any of the MainStay Funds within the same share class. You can also set the time period for systematic exchanges to occur. Once a systematic exchange has been set up, you can update or delete your systematic exchange. Note that an exchange of shares may be subject to tax consequences.
Yes, if bank wire privileges have been previously established on your account. From the Manage Account page, click on Make a Redemption under Account Options. Here you can redeem a specified dollar amount, number of shares, or a percentage of shares or you can close your account by selling all of your shares. You can also select how you want to receive the proceeds from the sale. Note that redemptions may be subject to a contingent deferred sales charge. This option is not available for IRA accounts.
You can change your address online for one account or for all of your accounts by clicking on Update Address, accessible from the My Portfolio page. The system automatically checks the format of your address against postal guidelines. A confirmation letter will be sent to both the new and the old addresses to verify the address change. Note that redemptions are suspended for 30 days after an address change request. Only certain accounts are eligible for online address changes.
To view your transactions for all of your accounts, click Portfolio History, and select the appropriate time period to continue to the Portfolio History page. To view your transactions for one account, go to the Manage Account page for the desired account, enter the number of transactions you wish to view, and continue to the View Account History page. Completed transactions will generally appear on these pages the day after the trade date. Pending trades will display immediately upon requesting the trade.
From the Manage Account page, click on View Cost Basis under Account Options or call 800-MAINSTAY (624-6782). Note that cost basis is only available for most non-retirement accounts. It is not available for accounts established prior to 1987 and certain other accounts.
What types of account information can I view online?
With My Accounts, you can:
View information on all of the MainStay accounts in your portfolio—
shares owned, daily NAVs, net reinvestment share amounts, cash
distribution amounts—as well as the total value of your portfolio. You can
also make online address changes,1 view your fund distribution chart, and
view your portfolio transaction history.
Manage your account through a number of options2, such as: > View account history > Purchase additional shares > Make an exchange > Make and update systematic purchases and exchanges > Make redemption requests to your bank account on file > View beneficiary information for IRA and 403(b)(7) accounts > View cost basis > Access tax information > Request additional money market checks
1 Only certain accounts are eligible for online address changes. 2 Account options available depend on the fund you are invested in and which options you have selected on your account application.
If a trade is pending approval, it will appear on the View Account History or the Portfolio History page. Once a trade has been approved (generally within one business day), it will appear as an account history item on these pages.
Why are some account options only available with certain Funds?
There could be a number of reasons. Account options, such as purchasing additional shares, requires you to provide bank information in advance. Also, some Funds inherently have certain features. Only MainStay Money Market Fund has a check writing capability and, therefore, is the only Fund for which you can request additional checks. Finally, certain options are available on a seasonal basis. Tax forms are generally available from January 30 through November 30 of each year.
If you would like to add available options to your account, please visit our Account Service Forms page to download the appropriate form, or call us toll-free at 800-MAINSTAY (624-6782), from 8:00 a.m. - 6:00 p.m. Eastern time.
You can only make an exchange from one Fund to another only if both Funds are in the same share class. If the Funds are in different share classes, this option will not be available from the Manage Account page.
Why can't I take advantage of systematic purchases?
The ability to make systematic purchases is only available if your bank information has already been established with us. If we don't have your bank information on file, this option will not be available from the Manage Account page. To set up your bank information, please call us at 800-MAINSTAY (624-6782), from 8:00 a.m. - 6:00 p.m. Eastern time.
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