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Help along the way

Prioritize your goals, choose your investments, track your progress and reassess periodically.
Wherever you are in the investing cycle, we can help you make more informed investment decisions.

Review & make adjustments

Monitor and rebalance your portfolio to accommodate changes in your financial goals
The Asset Allocator™ can help you align your investments with your risk tolerance.
Life changes, and so do your financial goals and priorities. That's why it's a good idea to reassess and readjust your investments regularly to keep them in line with your goals, and to respond to market changes that may have affected your portfolio.

How to manage a portfolio

  • Review your asset allocation to help keep your financial strategy on track. Asset allocation can help you balance risk and reward by selecting different types of investments according to your goals, risk tolerance, liquidity needs and investment timeframe.1

  • Diversify your investments to help protect your portfolio from a drastic change in value of one type of investment.2

  • Review your portfolio and adjust (rebalance) as needed.

  • Prepare for market changes in a way that lets you maintain your focus on your long-term strategy and goals.

Learn more about managing a portfolio.

Revisit your goals periodically and adjust your investments as needed.

The help you need is right here

Tools, insights and people to help make you a more informed investor.

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An investment advisory program that combines the best features of online investing with a professionally managed portfolio.Footnote 1
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, 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).
Footnote 2 Asset allocation, diversification and rebalancing do not assure a profit or protect against loss in declining markets.