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Merrill Edge offers investment solutions for nearly any goal — from college planning to retirement. Just choose from the account options below to get started.

General Investing

General Investing Account
Use for individual or joint investing or as a custodial account.
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Rollover IRA
Consolidate previous employer-sponsored plans into one account, while preserving important tax advantages and potentially getting more investment choices. Learn more »
Roth IRA
Let your earnings have the opportunity to grow tax free and make qualified tax-free withdrawals of contributions at any time.1 Unlike a Traditional IRA, there are no mandatory withdrawals. Contributions aren't tax-deductible.2 Learn more »
Traditional IRA
Allow your investment earnings the opportunity to grow tax free until funds are withdrawn in retirement. Contributions may be tax-deductible.
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College Planning
529 Plans and UGMA/UTMA Accounts

College Planning

NextGen® Direct 529 Plan
Set aside funds for a child's college education and create the opportunity for contributions to grow tax-free. Learn more »
Custodial (UGMA/UTMA) Accounts
Invest on behalf of a child with this taxable account. The funds can be used for any expenses, including education. Learn more »
Small Business
Small Business IRAs and Deposit IRAs

Small Business

Whether you're self employed or have employees, we offer a variety of plans.
Business investor account
This account gives you access to a suite of investment based solutions and cash management services. Learn more »
Small Business 401(k)
Whether you're a sole proprietor or have hundreds of employees, this low-cost plan offers simplified account opening, plan set-up and ongoing administration.Learn more »
High contribution limits plus simple set up and low cost might make this plan work for small businesses with variable cash flows. Learn more »
Design for small businesses, this affordable retirement plan is one way small business owners can help their employees plan for the future. Learn more »
CDs and Money Market Savings Accounts


Invest in FDIC-insured3 CDs and money market savings accounts. These accounts can be used for Roth, Traditional or Rollover IRAs. Learn more »
Money Market Savings IRA Learn more »
Additional Account Types
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1 There is a single, 5 year holding period when determining whether earnings can be withdrawn federally tax-free as part of a qualified distribution from a Roth IRA. This period begins January 1 of the year of the first contribution to any Roth IRA account.

2 With inherited IRAs, beneficiaries must begin taking distributions within certain periods specified by the IRS.

3 Retirement accounts opened through Bank of America, N.A., including Roth and Traditional IRAs, are insured by the FDIC up to $250,000 per depositor. These accounts are insured separately from other deposits you may have with Bank of America, N.A.

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