• Invest on your terms

    No matter what your investing style, we have an approach that can work for you. Take a look at the options below to see which one (or more) can help you meet your goals.

  • Merrill Edge®
    Self-Directed Investing

    A personalized online experience with a

    full range of investments, easy-to-use tools,

    step-by-step guidance, and research and

    insights to help you make more informed

    decisions.

  • Merrill EDGE®
    Guided Investing

    Pursue your financial goals with an online

    investment advisory program that combines

    the benefits of online investing with

    professionally managed portfolios.¹²

  • Merrill Lynch®
    Wealth Management

    Work one-on-one with a dedicated, local

    advisor on a personalized financial strategy

    that meets your unique goals.

See what’s right for you

 

SELF-DIRECTED INVESTING

GUIDED INVESTING

WEALTH MANAGEMENT

Ways to invest

Make your own investment decisions

Online with professionally managed portfolios2

Online investing with professionally managed portfolios2

Personalized financial strategy based on unique goals

Account options

Retirement, general investing, education

Account options: retirement, general investing and education

Retirement, general investing

Account options: retirement and general investing

Retirement, general investing, education, trust and estate planning services, tax minimization strategies, philanthropic giving and more

Account options: retirement, general investing, education, trust and estate planning services, tax minimization strategies, philanthropic giving and more

Dedicated advisor

No dedicated advisor

No dedicated advisor

Dedicated advisor

Access to guidance

Access to guidance

Access to guidance

Access to guidance

Investment choices

Stocks, ETFs, well-known mutual funds, bonds and options

Investing choices: Stocks, ETFs, well-known mutual funds, funds, bonds and options

Merrill Lynch professionally managed portfolios²

Full range of investing solutions

Bank of America Merrill Lynch Global Research, Morningstar, CFRA (S&P Global)

Bank of America Merrill Lynch Global Research, Morningstar, CFRA (S&P Global)

Bank of America Merrill Lynch Global Research, Morningstar, CFRA (S&P Global)

Bank of America Merrill Lynch Global Research, Morningstar, CFRA (S&P Global)

Bank and invest with one login

Bank and invest with one login

Bank and invest with one login

Bank and invest with one login

24/7 access to an investment professional

24/7 access to an investment professional

24/7 access to an investment professional

24/7 access to an investment professional

Investment minimum

None

No investment minimum

$5,000

$5,000 investment minimum

$250,000

$250,000 investment minimum

Pricing

$6.95 online stock & ETF trades or qualify for $0 trades.3 Other fees may apply.*

Low annual fee of 0.45%.** Other fees may apply.*

Based on advisor services and investment offerings

Pricing based on advisor services and investment offerings
 

Information for:

Corporations & Institutions Job Seekers Media & Journalists Shareholders

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*Sales are subject to a transaction fee of $0.01 - $0.03 per $1,000 of principal. There are costs associated with owning ETFs. To learn more about Merrill Edge pricing, visit merrilledge.com/pricing or merrilledge.com/guided-investing-programbrochure for details about Merrill Edge Guided Investing. The program fee for Merrill Edge Select® Portfolios includes portfolio management, trading costs and ongoing Financial Solutions Advisor support. In addition to the annual program fee, the expenses of the investments will vary based on the specific funds within each portfolio. Where possible, institutional class shares are used to minimize expenses.

**The fee is based on the assets held in the account and is charged monthly in advance. Program fees include portfolio management and trading costs, as well as ongoing support. The annual account fee does not include underlying fees charged by the ETFs in your portfolio. Each ETF in your account charges these expenses to all shareholders. These fees range from approximately 0.07% to 0.14% per year. Please note that this range will fluctuate and can be higher or lower at any point in time. Actual ETF expenses could vary; please refer to ETF prospectuses. In addition, the SEC charges a small fee to each sales transaction, ranging between $0.01 and $0.03 per $1,000 of principal. Other fees may include transfer, exchange and fund-redemption fees; conditional deferred sales charges; and markups or markdowns. For additional fee details, see the Merrill Edge Guided Investing program brochure.

1Please review the Merrill Edge Guided Investing Program Brochure at merrilledge.com/guided-investing-program-brochure for important information including pricing, 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. This program is not offered through an advisor. Merrill Edge investment advisory programs are offered by Merrill Lynch, Pierce, Fenner and Smith Incorporated (“MLPF&S”). MLPF&S and Managed Account Advisors LLC (“MAA”) are registered investment advisors. Investment advisor registration does not imply a certain level of skill or training.

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. This program is not offered through an advisor.

2Chief Investment Office develops the investment strategies for Merrill Edge Guided Investing, including providing its recommendations of ETFs and related asset allocations. Managed Account Advisors LLC (MAA), Merrill Lynch’s affiliate, is the overlay portfolio manager responsible for implementing the [Merrill Edge Guided Investing] [&] [Merrill Edge Select Portfolios] strategies for client accounts, including facilitating the purchase & sale of ETFs 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).

3 Eligibility: Commissions are only waived for online stock and ETF trades conducted via an individual or jointly owned online investing and trading personal CMA or IRA account.

Qualify for 30 $0 online stock and ETF trades per month as a Preferred Rewards Platinum client.

Or qualify for 100 $0 online stock and ETF trades per month (meet either one of these criteria):

• Preferred Rewards Platinum Honors client

• U.S. Trust Client

For details about commissions, transaction fees and any other fees that may apply visit merrilledge.com/pricing. Certain account types are not eligible. Other restrictions may apply. Relationship requirements and pricing are subject to change and/or termination without advance notice. For full details about ways to qualify for $0 trades, call 888.MER.EDGE (888.637.3343).

SEC Share Class Selection Disclosure Initiative

 

Investing involves risk. 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.

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.  

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 and fiduciary services are provided by Bank of America Private Bank, a division of Bank of America, N.A., Member FDIC, or U.S. Trust Company of Delaware. Both are wholly-owned subsidiaries 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
© Bank of America Corporation. All rights reserved.

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