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Merrill Guided Investing

Guided Investing aligned
to your goals
Get a professionally managed portfolio aligned to your goals that's built, monitored and rebalanced by Merrill investment professionals.
Investment strategies
for you and your goals
Tell us about yourself and your goal online. You'll get a recommended investment strategy designed by a team of Merrill investment experts consisting of a recommended diversified portfolio of exchange-traded funds (ETFs) and mutual funds aligned to your needs. Footnotes 1, 2
Portfolio management by Merrill Lynch
Merrill Edge combines what you like about online investing with a portfolio monitored and rebalanced by a team of Merrill portfolio managers. Footnotes 1,2 So you can be confident that your investments will stay in sync with your investment strategy.
Get on track, stay on track
Visit your personalized dashboard to monitor your account's portfolio performance and update your contributions. You can change or add new goals whenever you like so your portfolio keeps up with your changing needs.
Industry-leading service
Like all Merrill clients, you'll get industry-leading service and step-by-step guidance from licensed Merrill professionals — available online, on the phone and at a Bank of America financial center near you.
J.D. Power Contact Center Certification
Merrill Edge has been recognized by J.D. Power by providing "An Outstanding Customer Service Experience" for Phone support for 8 years in a row. Footnote 5
Merrill Guided Investing your way
You can work with a licensed advisor or invest online. Either way, you get an investment strategy and professionally managed portfolio built and managed by Merrill investment professionals aligned to your goal, for a low annual fee.Footnote 1
Merrill Guided
Investing
This investment advisory program combines the best features of online investing with a professionally managed portfolio—all at a low cost.
Merrill Guided Investing
with an advisor
All the benefits of Merrill Guided Investing, with an advisor who will work with you to discuss your priorities, provide advice and guidance and meet with you periodically to review your portfolio.
Minimum Investment & Pricing
$5,000
0.45% annual fee (other fees may apply)Footnotes *, 3
What it means
If your month-end investing balance is $20,000, next month's fee would be $7.50.
As a Bank of America Preferred Rewards member, qualify for a reduced annual program fee—your 0.45% fee could be as low as 0.30%. For example Platinum Honors members—with a Merrill Guided Investing month end account balance of $20,000—would pay $5.00.
Learn how to qualify for discounted pricing with Bank of America Preferred RewardsFootnote 9
$20,000
0.85% annual fee (other fees may apply)Footnotes *, 4
What it means
If your month-end investing balance is $20,000, next month's fee would be $14.17.
As a Bank of America Preferred Rewards member, qualify for a reduced annual program fee—your 0.85% fee could be as low as 0.70%. For example Platinum Honors members—with a Merrill Guided Investing with an advisor month end account balance of $20,000—would pay $11.64.
Learn how to qualify for discounted pricing with Bank of America Preferred RewardsFootnote 9
Investment strategies aligned to your goals
Professional portfolio management by Merrill LynchFootnote 1
Personalized steps to help you stay on track
One login to view your Bank of America banking & Merrill Guided Investing accounts
Access to socially responsible portfoliosFootnote 8
Guidance through the goal setting process
 
Work with an advisor one-on-one
 
Periodic portfolio reviews with an advisor (on the phone or in person)
 
Additional portfolios available only when working with an advisor
 
3 steps to get started
Choose between Merrill Guided Investing or Merrill Guided Investing with an advisor
Tell us about yourself and your investing goal online
Review your recommended investment strategy and then open and fund your account
Questions?
Learn more about the benefits of Guided Investing and read the FAQs.
More ways to invest
Enjoy the convenience of Bank of America banking with the investment insights of Merrill Lynch.
Discover how Merrill Edge simplifies investing
Self-directed investing
Put your ideas into action with step-by-step guidance, easy-to-use tools, access to award-winning research Footnote6 and flat-rate pricing of just $6.95 per online equity and ETF trade. Other fees may apply. Footnote double asterisk **
Have more complex wealth management needs?
Invest with a Merrill Lynch Wealth Management Advisor, a Merrill Private Wealth Advisor, or a team of Bank of America Private Bank specialists to help you grow, preserve and manage your wealth.Footnote 6
Merrill a Bank of America Company
Bank of America Private Bank
Help when you want it
Turn to us when you have questions or need help getting the most out of your investing experience.
Chat
online
Call 24/7
855.488.5245
Footnote asterisk * Other fees may apply. Sales of ETFs are subject to a transaction fee of between $0.01 and $0.03 per $1,000 of principal. There are costs associated with owning ETFs and mutual funds. To learn more about Merrill Edge pricing, visit the Merrill Guided Investing Program Brochure (PDF) or Merrill Guided Investing with Advisor Program Brochure (PDF).

Footnote double asterisk 
Other fees may apply. Sales are subject to a transaction fee of between $0.01 and $0.03 per $1,000 of principal. There are costs associated with owning ETFs. To learn more about Merrill pricing, visit our Pricing page.

Please review the applicable Merrill Guided Investing Program Brochure (PDF) or Merrill Guided Investing with Advisor Program Brochure (PDF) ("MGI with Advisor Program") 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. 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 custodian of this account for the benefit of another person, please keep in mind that these assets will be invested for the benefit of the other person. 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 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.

Footnote 1 The Chief Investment Office (CIO) develops the investment strategies for Merrill Guided Investing and Merrill Guided Investing with Advisor, including providing its recommendations of ETFs, mutual funds and related asset allocations. Managed Account Advisors LLC (MAA), Merrill Lynch'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 or 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 Diversification, asset allocation and rebalancing do not ensure a profit or protect against loss in declining markets.

Footnote 3 There is an annual fee of 0.45% based on the assets held in the account. This fee is charged monthly in advance.

Footnote 4 There is an annual fee of 0.85% based on the assets held in the account. This fee is charged monthly in advance.

Footnote 
J.D. Power 2018 Certified Contact Center ProgramSM recognition is based on successful completion of an evaluation and exceeding a customer satisfaction benchmark through a survey of recent servicing interactions. For more information, visit J.D. Power popup. The ranking or ratings shown here may not be representative of all client experiences because they reflect an average or sampling of the client experiences. These rankings or ratings are not indicative of any future performance or investment outcome. Participation in this survey was paid for by Merrill Lynch.
Footnote 
Institutional Investor magazine announced BofA Merrill Lynch Global Research as one of the top global research firms from 2011-2018 based on surveys held throughout the year. The magazine creates rankings of the top research analysts in a wide variety of specializations, drawn from the choices of portfolio managers and other investment professionals at more than 1,000 firms. BofA Merrill Lynch Global Research is research produced by BofA Securities, Inc ("BofAS") and/or one or more of its affiliates. BofAS is a registered broker-dealer, Member SIPC popup, and wholly owned subsidiary of Bank of America Corporation. For more information about this award, go to Institutional Investor popup. Rankings and recognition from Institutional Investor are no guarantee of future investment success and do not ensure that a current or prospective client will experience a higher level of performance results and such rankings should not be construed as an endorsement.
Footnote 7 Merrill Lynch (Merrill) is the marketing name for Merrill Lynch Wealth Management, Merrill Edge®, and Merrill Private Wealth Management, all of which are made available through Merrill Lynch, Pierce, Fenner & Smith Incorporated ("MLPF&S"). Merrill Edge is available through MLPF&S, and consists of the Merrill Edge Advisory Center (investment guidance) and self-directed online investing.

Footnote 8 Impact investing and/or Environmental, Social and Governance (ESG) managers may take into consideration factors beyond traditional financial information to select securities, which could result in relative investment performance deviating from other strategies or broad market benchmarks, depending on whether such sectors or investments are in or out of favor in the market. Further, ESG strategies may rely on certain values based criteria to eliminate exposures found in similar strategies or broad market benchmarks, which could also result in relative investment performance deviating.

Footnote 9 Clients enrolled in Preferred Rewards receive a discount off the Merrill Guided Investing program's annual asset-based fee of 0.45%, and the Merrill Guided Investing with an advisor and Merrill Edge Advisory Account programs' annual asset-based fee of 0.85% for any of their accounts enrolled in the respective advisory programs. Preferred Rewards-enrolled clients receive a discount of 0.05% off of the annual rate for the Gold tier, 0.10% for the Platinum tier, or 0.15% for the Platinum Honors tier based on their Preferred Rewards tier effective at the time the applicable advisory program fee is calculated. Bank of America Private Bank clients will also receive a discount of 0.15% off of the annual rate. It may take up to 30 calendar days for changes to your Preferred Rewards status or tier to be associated with and effective for your accounts in the advisory programs. This fee is charged monthly in advance. In addition to the annual program fee, the expenses of the investments will vary based on the specific funds within each portfolio. Actual fund expenses will vary; please refer to each fund's prospectus. Sales of ETFs are subject to a transaction fee of between $0.01 and $0.03 per $1,000 of principal. There are costs associated with owning ETFs and mutual funds. To learn more about pricing, visit merrilledge.com/pricing.

Merrill Lynch (Merrill) makes available products and services offered by MLPF&S and other subsidiaries of Bank of America Corporation ("BofA Corp").

MLPF&S is a registered broker-dealer, registered investment adviser and Member SIPC popup. Merrill Lynch Life Agency Inc. ("MLLA") is a licensed insurance agency. Both are wholly owned subsidiaries of BofA Corp.

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

Merrill Private Wealth Management is a division of MLPF&S that offers a broad array of personalized wealth management products and services. Both brokerage and investment advisory services (including financial planning) are offered by the Private Wealth Advisors through MLPF&S. The nature and degree of advice and assistance provided, the fees charged, and client rights and Merrill's obligations will differ among these services. The banking, credit and trust services sold by the Private Wealth Advisors are offered by licensed banks and trust companies, including Bank of America, N.A., Member FDIC, and other affiliated banks.
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