Personal Investing and Trading

It’s investing, streamlined

Bank with Bank of America, invest with Merrill Edge®
 
Why Merrill Edge®? You'll get easy-to-use tools, helpful research and simple flat-rate pricing of $6.95 per unlimited online stock and ETF trade—with no trade or balance minimums. Or learn how to qualify for $0 trades with Preferred Rewards.Footnote 3 Other fees may apply.Footnote 2
 
Accounts

Accounts for all financial goals

Use for personal investing, joint investing or as a custodial account
Choose from Traditional, Roth or Rollover IRAs to reduce taxes and enjoy the opportunity for tax-deferred growth
Get the potential for tax benefits and flexibility you need to save for college
Manage your finances with solutions designed to help you meet your investing and retirement needs
Find the bank accounts from Bank of America you need to pursue your financial goals
 
Investments

A full range of investments

Invest in shares of publicly traded companies across a variety of sectors
Trade like stocks with the diversification of mutual funds, and offer the flexibility to hold and trade shares
Professionally managed funds aligned to a variety of investment strategies and time horizons
Invest in a broad range of Treasuries, municipal and corporate bonds and CDs
Execute your options strategy for just $6.95Footnote 2 + $0.75 per contract and gain access to new mini optionsFootnote 1
A flexible line of credit that can be used for almost any purpose.Footnote 8
 

Investing your Way

Online investing and trading
Put your investing ideas into action with a full range of investments, step-by-step guidance, easy-to use tools, access to award-winning researchFootnote 7 and low, flat-rate pricing.
 
Guided investing
Pursue your investing goals with an online investment advisory program and experience the best of online investing with professional portfolio management by Merrill LynchFootnotes 6—all at a low cost.
 
Invest with an advisor
Work with a Merrill Edge Financial Solutions Advisor™, who can help you pursue your financial goals and plan for what matters most to you.
Invest with advice when you need it
Invest with a licensed Merrill Edge Financial Solutions Advisor™, who can help you pursue your financial goals and plan for what matters most to you.
Ready to get started?
888.637.3343
Call 24 hours a day, 7 days a week
600 dollar IRA offer
Get up to $600 when you enroll, open and fund a new Merrill Edge® investment account or IRA.
How to qualify
Simplify your investing
Take the guesswork out of finding quality funds:
Footnote 1 Options carry a high level of risk and are not suitable for all investors. Certain requirements must be met to trade options. Please read the options disclosure document titled "Characteristics and Risks of Standardized Options" before considering any option transaction. A separate client agreement is needed. Please note that you will also need to be pre-approved prior to implementing this strategy. You should consult a qualified tax advisor as to how trading options may affect your tax situation.

Footnote 2 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 Edge pricing, visit merrilledge.com/pricing.

Footnote 
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).
Footnote 4 Merrill Edge MarketPro® is available to clients who maintain a Merrill Edge self-directed relationship. To qualify, you must maintain total combined balances of $50,000 or more in your Merrill Edge and Merrill Lynch investment accounts and Bank of America, N.A. deposit accounts, or make at least 15 self-directed trades per quarter. Preferred Rewards Platinum or Preferred Rewards Platinum Honors also qualify. Not available to investment professionals or for trust accounts and business accounts. Relationship requirements and pricing are subject to change.

Footnote 5 Asset allocation, diversification and rebalancing do not ensure a profit or protect against loss in declining markets.

Footnote 6 Global Wealth & Investment Management Chief Investment Office ("GWIM CIO") develops the investment strategies for Merrill Edge Guided Investing, including providing its recommendations of ETFs and related asset allocations. Managed Account Advisors LLC, Merrill Lynch's affiliate, is the overlay portfolio manager responsible for implementing the Merrill Edge Guided Investing strategies for client accounts, including facilitating the purchase and sale of ETFs in client accounts and updating account asset allocations when the GWIM CIO's recommendations change, while also implementing any applicable individual client or firm restriction(s).

Please 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 & Smith (MLPF&S). MLPF&S and Managed Account Advisors LLC (MAA) are registered investment advisers. Investment adviser registration does not imply a certain level of skill or training.

Footnote 
Institutional Investor magazine announced BofA Merrill Lynch Global Research as one of the top global research firms from 2011-2017 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 equity research produced by Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLPF&S) and/or one or more of its non-U.S. affiliates. MLPF&S is a registered broker-dealer, Member SIPC, and wholly owned subsidiary of Bank of America Corporation. For more information about this award, go to https://www.institutionalinvestor.com/article/b15x58zthqmjry/the-worlds-best-research-firm. 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.
Footnote 
When you purchase securities, you may pay for the securities in full, or if your account has been established as a margin account with the margin lending program, you may borrow part of the purchase price from Merrill Lynch. If you choose to borrow funds for your purchase, Merrill Lynch's collateral for the loan will be the securities purchased, other assets in your margin account, and your assets in any other accounts at Merrill Lynch. If the securities in your margin account decline in value, so does the value of the collateral supporting your loan, and, as a result, we can take action, such as to issue a margin call and/or sell securities in any of your accounts held with us, in order to maintain the required equity in your account. If your account has a Visa® card and/or checks, you may also create a margin debit if your withdrawals (by Visa card, checks, preauthorized debits, FTS or other transfers) exceed the sum of any available free credit balances plus available money account balances (such as bank deposit balances or money market funds). Please refer to your account documents for more information.

Before opening a margin account, you should carefully review the terms governing margin loans. For Individual Investor Accounts, these terms are contained in the Margin Lending Program Client Agreement. For all other accounts, the terms are in your account agreement and disclosures. It is important that you fully understand the risks involved in using margin. These risks including the following:

  • You can lose more funds than you deposit in the margin account. A decline in the value of securities that are purchased on margin may require you to provide additional funds to us to avoid the forced sale of those securities or other securities in your account(s).
  • We can force the sale of securities in your account(s). If the equity in your account falls below the maintenance margin requirements or Merrill Lynch's higher "house" requirements, we can sell the securities in any of your accounts held by us to cover the margin deficiency. You also will be responsible for any shortfall in the account after such as sale.
  • We can sell your securities without contacting you. Some investors mistakenly believe that they must be contacted for a margin call to be valid, and that securities in their accounts cannot be liquidated to meet the call unless they are contacted first. This is not the case. We will attempt to notify you of margin calls, but we are not required to do so. Even if we have contacted you and provided a specific date by which you can meet a margin call, we can still take necessary steps to protect our financial interests, including immediately selling the securities without notice to you.
  • You are not entitled to choose which securities in your account(s) are liquidated or sold to meet a margin call. Because the securities are collateral for the margin loan, we have the right to decide which security to sell in order to protect our interests.
  • We can increase our "house" maintenance margin requirements at any time and are not required to provide you advance written notice. These changes in our policy may take effect immediately and may result in the issuance of a maintenance margin call. Your failure to satisfy the call may cause us to liquidate or sell securities in your account(s).
  • You are not entitled to an extension of time on a margin call. While an extension of time to meet margin requirements may be available to you under certain conditions, you do not have a right to the extension.
If you have any questions or concerns about margin and the margin lending program, please contact your Merrill Lynch Financial Advisor or the Merrill Edge Advisory Center.™
Investing involves risk. There is always the potential of losing money when you invest in securities.

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