Year-round strategies to make the most of your investments

Our tax-efficient management offerings are intended to help you make the most of your money and its growth potential.

  • Streamline ongoing management

    Save time and effort by choosing your own combination of our tax-efficient overlays and/or professionally managed strategies.

  • Potentially maximize after-tax value

    Tax loss harvesting and tax-efficient portfolio rebalancing may potentially reduce the overall amount of taxable capital gains realized during the year.

  • Keep goals on track

    Your investment goals are important—improving your results can help you achieve them on your schedule.

Talk with your advisor about enrolling in one or more of these approaches as part of your strategy

 

You should consult your tax and/or legal advisor prior to enrolling in any tax efficient management (TEM) offerings, as well as on an ongoing basis to determine whether specific tax rules could apply to your trading activity.

  • Tax-Efficient Rebalancing

    An ongoing, rules-based approach to rebalancing and other portfolio management activities using techniques like short-term gain deferral, best tax lot management and more.

  • Quarterly Loss Harvesting

    Systematically harvest losses on a quarterly basis once they reach a predetermined threshold, subject to a portfolio turnover limit.

  • Dynamic Tax Loss Harvesting

    Systematically analyzes account-level holdings on a daily basis
    to opportunistically harvest losses in accounts holding eligible strategies.

  • TEM Style Manager Strategies

    Invest directly in professionally managed, standalone investment strategies that engage in tax-efficient management as part of their larger investment approach.

Want to learn more? Read these next:

  • Guide to Tax Efficient Management Offerings

     

    Download

  • A tax efficient approach to investing

     

    Download

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Investing involves risk. There is always the potential of losing money when you invest in securities. Past performance does not guarantee future results. Asset allocation, rebalancing and diversification do not guarantee against risk in broadly declining markets.

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.

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. 

This material does not take into account a client’s particular investment objectives, financial situations, or needs and 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. There are important differences between brokerage and investment advisory services, including the type of advice and assistance provided, the fees charged, and the rights and obligations of the parties. It is important to understand the differences, particularly when determining which service or services to select. For more information about these services and their differences, speak with your Merrill financial advisor.

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 SIPC and a wholly owned subsidiary of BofA Corp.

Insurance and annuity products are offered through Merrill Lynch Life Agency Inc., a licensed insurance agency and wholly owned subsidiary of Bank of America Corporation.

Trust, fiduciary and investment management services, including assets managed by the Specialty Asset Management team, are provided by Bank of America, N.A., Member FDIC and wholly owned subsidiary of Bank of America Corporation (“BofA Corp.”), and its agents.

Bank of America Private Bank is a division of Bank of America, N.A.

U.S. Trust Company of Delaware is a wholly owned subsidiary of Bank of America Corporation.

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

Investment, insurance and annuity products:

Are Not FDIC Insured Are Not Bank Guaranteed May Lose Value
Are Not Deposits Are Not Insured by Any Federal Government Agency Are Not a Condition to Any Banking Service or Activity
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