Merrill Edge♠

Learn how to get started and discover all the resources available at Merrill.

Please enter exact symbol in the textbox. Select this link or Ctrl+Q to get a quote. Type in a symbol or company name, and press Enter.Select link to get a quote. Type a symbol or company name and press Enter. Press CTRL + Q to read quote window information.Enter your search Merrill Edge keyword

  • Why MerrillPress Control + M for sub menu and use tab key for navigation.

  • InvestPress Control + M for sub menu and use tab key for navigation.

  • PlanPress Control + M for sub menu and use tab key for navigation.

  • RetirementPress Control + M for sub menu and use tab key for navigation.

  • LearnPress Control + M for sub menu and use tab key for navigation.

  • Open An AccountPress Control + M for sub menu and use tab key for navigation.

GETTING STARTED

Invest in your future

Investing can help you pursue your goals. Learn how to get started and discover all the resources available at Merrill.

Why invest?

What should I know before investing?

What could I invest in?

Why Merrill?

Why invest?

See how investing compares to saving and learn the benefits of getting started early.

Investing can help you reach your goals

Investments can help to reach your goals in two ways: potentially generating income with certain investment types or increasing value over the long term.

Three possible paths

Drag the slider to see the potential growth of $10,000 over 20 years

Years

051020These projections are based on past performance, but there is no guarantee you will be able to get these returns in the future.This chart is a hypothetical example meant for illustrative purposes only. It does not reflect an actual investment, nor does it account for the effects of taxes, any investment expenses or withdrawals. Returns are not guaranteed and results will vary. Investment returns cannot be predicted and will fluctuate. Investor results may be more or less. It is not intended to serve as investment advice since the availability and effectiveness of any strategy are dependent upon your individual facts and circumstances. Assumes an interest rate of 1% (online savings) and an investment return of 7% annually.Play Video[+] View transcript

Getting started early can help your money work harder

Time has the potential to benefit the growth of your investing accounts. See how starting early could impact your financial future.

What should I know before investing?

Before you start investing, it may be helpful to understand some of the following concepts related to the market.Expand all

Prepare for volatility

Avoid timing the market

Keep buzzy opportunities in perspective

Prioritize your financial goals

Education costs, retirement savings and more — managing all your goals can sometimes seem overwhelming. These insights can help you to pursue them all.

  • Write your goals down Start by describing what's most important to you and what you want out of life.

  • Define your priorities Decide whether each goal you've listed is essential, important or aspirational.

  • Determine how much you'll need to save Budget for essentials first, then move onto your goals.

  • Consider the timeframe of your goals Decide how soon you'll need the money you are saving or investing.

  • Review your plan periodically Modify your goals as your life circumstances or timelines change.

What could I invest in?

Now that you're ready to invest, develop an approach for choosing the investments that may be right for you.Expand all

Decide on your goals, time horizon and liquidity needs

Determine your risk tolerance

Build a portfolio

Review your investments regularly

Why Merrill?

Investing with Merrill isn't just simple, it's personalized. Find the ways of investing that may be right for you.

What kind of Merrill account is right for you?

If you're not sure which Merrill account to open, this is a good place to start. In this video, we'll break down the important information that will help you decide the type of account that works best for your needs as well as the amount of guidance from Merrill that you want.Play Video[+] View transcriptMerrill Edge Self-Directed tab 1 of 2 selectedMerrill Guided Investing tab 2 of 2

Discover tools and resources to help you find investments and manage your portfolio with Merrill Edge Self‑Directed.

Search for Ideas

Idea Builder is home to investments for your portfolio — particularly if sustainable investing is important to you. Find investing ideas from top global minds and align your portfolio with a rapidly transforming world.

Evaluate individual securities

Is the company you're invested in aligned with your values? With ESG ratings from MSCI in Stock Story, you can be informed about the impact of any public company.Footnotes 3,4

Evaluate your portfolio's impact

With Portfolio Story, you can see how well your investments score against environmental, social and governance criteria by MSCI.Footnotes 3,4

See Sustainable Investing at Merrill in action

Learn how to find sustainable and impact investments and monitor your portfolio's impact.Play&bnsp;Video 3:15[+] View transcript

What does a connected experience mean for you?

Ready to get started?

Open an account with Merrillor call us at 888.637.3343Footnote 1 Asset allocation, diversification, and rebalancing do not ensure a profit or protect against loss in declining markets.Footnote 2 This information should not be construed as investment advice and is subject to change. It is provided for informational purposes only and is not intended to be either a specific offer by Bank of America, Merrill or any affiliate to sell or provide, or a specific invitation for a consumer to apply for, any particular retail financial product or service that may be available. The Chief Investment Office (CIO) provides thought leadership on wealth management, investment strategy and global markets; portfolio management solutions; due diligence; and solutions oversight and data analytics. CIO viewpoints are developed for Bank of America Private Bank, a division of Bank of America, N.A., ("Bank of America") and Merrill Lynch, Pierce, Fenner & Smith Incorporated ("MLPF&S" or "Merrill"), a registered broker-dealer, registered investment adviser and a wholly owned subsidiary of Bank of America Corporation ("BofA Corp.").Footnote 3 Sustainable and Impact Investing and/or Environmental, Social and Governance (ESG) managers may take into consideration factors beyond traditional financial information to select securities, which could result in relative investment performance deviating from other strategies or broad market benchmarks, depending on whether such sectors or investments are in or out of favor in the market. Further, ESG strategies may rely on certain values based criteria to eliminate exposures found in similar strategies or broad market benchmarks, which could also result in relative investment performance. Impact investing and/or ESG investing has certain risks based on the fact that ESG criteria excludes securities of certain issuers for nonfinancial reasons and therefore, investors may forgo some market opportunities and the universe of investments available will be smaller.Footnote 4 Certain information contained herein (the "Information") has been provided by MSCI ESG Research LLC, a Registered Investment Adviser under the Investment Advisers Act of 1940, and may include data from its affiliates (including MSCI Inc. and its subsidiaries ("MSCI")), or third party suppliers (each an "Information Provider"), and it may not be reproduced or redisseminated in whole or in part without prior written permission. The Information has not been submitted to, nor received approval from, the US SEC or any other regulatory body. The Information may not be used to create any derivative works, or in connection with, nor does it constitute, an offer to buy or sell, or a promotion or recommendation of, any security, financial instrument or product or trading strategy, nor should it be taken as an indication or guarantee of any future performance, analysis, forecast or prediction. Some funds may be based on or linked to MSCI indexes, and MSCI may be compensated based on the fund's assets under management or other measures. MSCI has established an information barrier between equity index research and certain Information. None of the Information in and of itself can be used to determine which securities to buy or sell or when to buy or sell them. The Information is provided "as is" and the user of the Information assumes the entire risk of any use it may make or permit to be made of the Information. Neither MSCI ESG Research nor any Information Party makes any representations or express or implied warranties (which are expressly disclaimed), nor shall they incur liability for any errors or omissions in the Information, or for any damages related thereto. © 2022 MSCI Inc. All rights reserved. Footnote 5 Please review the applicable Merrill Guided Investing Program Brochure (PDF) or Merrill Guided Investing with Advisor Program Brochure (PDF) for information including the program fee, rebalancing, and the details of the investment advisory program. Your recommended investment strategy will be based solely on the information you provide to us for this specific investment goal and is separate from any other advisory program offered with us. If there are multiple owners on this account, the information you provide should reflect the views and circumstances of all owners on the account. If you are the fiduciary of this account for the benefit of the account owner or account holder (e.g., trustee for a trust or custodian for an UTMA), please keep in mind that these assets will be invested for the benefit of the account owner or account holder. Merrill Guided Investing is offered with and without an advisor. Merrill, Merrill Lynch, and/or Merrill Edge investment advisory programs are offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated ("MLPF&S") and Managed Account Advisors LLC ("MAA") an affiliate of MLPF&S. MLPF&S and MAA are registered investment advisers. Investment adviser registration does not imply a certain level of skill or training.The Chief Investment Office (CIO) develops the investment strategies for Merrill Guided Investing and Merrill Guided Investing with Advisor, including providing its recommendations of ETFs, mutual funds and related asset allocations. Managed Account Advisors LLC (MAA), Merrill's affiliate, is the overlay portfolio manager responsible for implementing the Merrill Guided Investing strategies for client accounts, including facilitating the purchase & sale of ETFs and mutual funds in client accounts and updating account asset allocations when the CIO's recommendations change while also implementing any applicable individual client or firm restriction(s). You may also be able to obtain the same or similar services or types of investments through other programs and services, both investment advisory and brokerage, offered by Merrill; these may be available at lower or higher fees than charged by the Program. The services that you receive by investing through Merrill Guided Investing or Merrill Guided Investing with Advisor will be different from the services you receive through other programs. You may also be able to obtain some or all of these types of services from other firms, and if they are available, the fees associated with them may be lower or higher than the fees we charge.Footnote 6 Certain banking and brokerage accounts may be ineligible for real-time money movement, including but not limited to transfers to/from bank IRAs (CD, Money Market), 529s, Bank of America Advantage SafeBalance Banking™, Credit Cards and transfers from IRAs, Loans (HELOC, LOC, Mortgage) and accounts held in the military bank. Accounts eligible for real-time transfers will be displayed online in the to/from drop down menu on the transfer screen.Investing involves risk including possible loss of principal. Past performance is no guarantee of future results. Investments have varying degrees of risk. Some of the risks involved with equity securities include the possibility that the value of the stocks may fluctuate in response to events specific to the companies or markets, as well as economic, political or social events in the U.S. or abroad. Bonds are subject to interest rate, inflation and credit risks. Investments in foreign securities (including ADRs) involve special risks, including foreign currency risk and the possibility of substantial volatility due to adverse political, economic or other developments. These risks are magnified for investments made in emerging markets. Investments in a certain industry or sector may pose additional risk due to lack of diversification and sector concentration. There are special risks associated with an investment in commodities, including market price fluctuations, regulatory changes, interest rate changes, credit risk, economic changes and the impact of adverse political or financial factors. 5075616-EXP11302023

I'd Like to

Discover Merrill

Contact Us

888.637.3343

Unlimited $0 Trades

With Merrill Edge Self‑Directed, get unlimited free online stock, ETF and option trades with no trade or balance minimumsFooter footnote bOptions contracts and other fees may applyFooter footnote a Open an account with Merrill Edge Self-Directed

Copyright 2023 FactSet. All rights reserved.

Footer footnote a Other fees may apply. Free and $0 means there is no commission charged for these trades. $0 option trades are subject to a $0.65 per-contract fee. Sales are subject to a transaction fee of between $0.01 and $0.03 per $1,000 of principal. There are costs associated with owning ETFs. To learn more about Merrill pricing, visit our Pricing page.Footer footnote b Merrill waives its commissions for all online stock, ETF and option trades placed in a Merrill Edge® Self-Directed brokerage account. Brokerage fees associated with, but not limited to, margin transactions, special stock registration/gifting, account transfer and processing and termination apply. $0 option trades are subject to a $0.65 per-contract fee. Other fees and restrictions may apply. Pricing is subject to change without advance notice.

Investing in securities involves risks, and there is always the potential of losing money when you invest in securities.

Asset allocation, diversification, and rebalancing do not ensure a profit or protect against loss in declining markets.

The performance data contained herein represents past performance which does not guarantee future results. Investment return and principal value will fluctuate so that shares, when redeemed, may be worth more or less than their original cost. Current performance may be lower or higher than the performance quoted. For performance information current to the most recent month end, please contact us.

Net Asset Value (NAV) returns are based on the prior-day closing NAV value at 4 p.m. ET. NAV returns assume the reinvestment of all dividend and capital gain distributions at NAV when paid.

Market price returns are based on the prior-day closing market price, which is the average of the midpoint bid-ask prices at 4 p.m. ET. Market price returns do not represent the returns an investor would receive if shares were traded at other times.

Returns include fees and applicable loads. Since Inception returns are provided for funds with less than 10 years of history and are as of the fund's inception date. 10 year returns are provided for funds with greater than 10 years of history.

Before investing consider carefully the investment objectives, risks, and charges and expenses of the fund, including management fees, other expenses and special risks. This and other information may be found in each fund's prospectus or summary prospectus, if available. Always read the prospectus or summary prospectus carefully before you invest or send money. Prospectuses can be obtained by contacting us.

Expense Ratio – Gross Expense Ratio is the total annual operating expense (before waivers or reimbursements) from the fund's most recent prospectus. You should also review the fund's detailed annual fund operating expenses which are provided in the fund's prospectus.

This material is not intended as a recommendation, offer or solicitation for the purchase or sale of any security or investment strategy. Merrill offers a broad range of brokerage, investment advisory (including financial planning) and other services. Additional information is available in our Client Relationship Summary (Form CRS) (PDF).

Merrill, its affiliates, and financial advisors do not provide legal, tax, or accounting advice. You should consult your legal and/or tax advisors before making any financial decisions.Merrill Lynch, Pierce, Fenner & Smith Incorporated (also referred to as "MLPF&S" or "Merrill") makes available certain investment products sponsored, managed, distributed or provided by companies that are affiliates of Bank of America Corporation ("BofA Corp."). MLPF&S is a registered broker-dealer, registered investment adviser, Member Securities Investor Protection (SIPC)popup and a wholly owned subsidiary of Bank of America Corporation ("BofA Corp").

Banking products are provided by Bank of America, N.A. and affiliated banks, Members FDIC and wholly owned subsidiaries of Bank of America Corporation ("BofA Corp.").

Merrill Lynch Life Agency Inc. (MLLA) is a licensed insurance agency and wholly owned subsidiary of BofA Corp.

Investment products offered through MLPF&S and insurance and annuity products offered through MLLA:

Are Not FDIC InsuredAre Not Bank GuaranteedMay Lose Value

Are Not Deposits

Are Not Insured by Any Federal Government Agency

Are Not a Condition to Any Banking Service or Activity

Privacy | Security | Site Map | Software Requirements | Routing & Executions | Relationship Details & Fees | Web Accessibility | Advertising Practices popup Forms & Applications | Legal Information | Business Continuity | Deposit Account & Money Fund Rates (PDF) | Bank of America Newsroom Merrill Edge Report | Client Relationship Summary (Form CRS) (PDF) | CA Opt-Out Preference Signals HonoredMerrill A Bank of America Company

© 2023 Bank of America Corporation. All rights reserved.

4326521

Last updated