Retirement Investing

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Retirement investing for every stage of life
Whether you’ve just started to think about investing for retirement, you’re approaching
retirement or you’ve been retired for years, Merrill Edge® can help.
Planning for Retirement
Find out how to begin planning, saving and investing, and learn how to monitor your progress.
Nearing Retirement
Our resources are designed to inform your upcoming retirement investment decisions.
Living in Retirement
You've spent a lifetime saving. Make the best use of your savings for as long as you need.
 
Find the Right IRA
An Individual Retirement Account (IRA) is designed to help you invest for retirement while allowing you the opportunity to reap significant tax advantages along the way. With a variety of retirement accounts, you can pursue the retirement you want.
Roth IRA Rollover IRA Traditional IRA
Transfer IRA Roth IRA Conversion Small Business IRA
Small Business Retirement Solutions
Merrill Edge offers low-cost retirement solutions designed specifically for small business owners.
Retirement Videos & Articles
Whether you just started working or you're nearly done, you can still potentially grow your nest egg. Read more »
Withdraw now or wait till later? How much should I take? We provide some helpful insights.Read more »
Ways to Invest
Investment products offered by Merrill Edge
Bank products offered by Bank of America, N.A.
Questions & Answers
$600 Streamline Investing for Retirement with Merrill Edge
1 For Traditional IRAs — If you withdraw before age 59 ½ you may be subject to a 10% early withdrawal additional tax unless one of the following exceptions apply: qualified higher education expenses; qualified first home purchase (lifetime limit of $10,000); certain major medical expenses; certain long-term unemployment expenses; disability; or substantially equal periodic payments.

For a withdrawal from a Roth IRA to be federal (and, in most cases, state) income tax free, it must be considered qualified. There is a five-year holding period when determining whether earnings can be withdrawn tax-free as part of a qualified distribution from a Roth IRA. This period begins January 1 of the tax year of the first contribution or the year of conversion to any Roth IRA. The distribution must be made after the five-year holding period, and the individual must have reached age 59 ½, be deceased, disabled or use the funds for a first-time home purchase (lifetime limit of $10,000). There is a 10% additional federal income tax for non-qualified withdrawals of earnings taken before age 59 ½, unless one of the following exceptions apply: qualified higher education expenses; qualified first home purchase (lifetime limit of $10,000); certain major medical expenses; certain long-term unemployment expenses; disability; or substantially equal periodic payments. A special provision applies for converted assets. If a non-qualified withdrawal is made within five years of the conversion, the earnings withdrawn will be subject to income tax, and the entire withdrawal may be subject to an additional 10% federal income tax unless an exception applies.

Neither Merrill Lynch, Pierce, Fenner & Smith Incorporated nor any of its subsidiaries are tax or legal advisors. We suggest you consult your personal tax or legal advisor before making tax or legal-related investment decisions. Merrill Edge is the marketing name for two businesses: Merrill Edge Advisory Center, which offers team-based advice and guidance brokerage services; and a self-directed online investing platform. Both are made available through Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLPF&S).