Compare Your Investing Choices

Three ways to invest

Whether you prefer to put your own ideas into action, take a hands-off approach to investing or work with a trusted advisor, the choice is yours.
 

Online
investing & trading

Merrill Edge
Guided Investing

Invest with an advisor

Bank and invest
with one login
Simple flat-rate pricing
$6.95 unlimited online
equity and ETF trades
Other fees may applyFootnote1
0.45% annual feeFootnote2
Other fees may applyFootnote1
0.85% program feeFootnote3
Other fees may applyFootnote1
Account minimum
$0 $5,000 $20,000
Preferred Rewards benefits
  • $0 tradesFootnote4 plus access to Merrill Edge MarketPro®Footnote5
    Other fees may applyFootnote1
  • Balances count toward your Preferred Rewards status
Balances count toward your Preferred Rewards status Balances count toward your Preferred Rewards status
Investment choices
Full range of investment choices including stocks, bonds, options, ETFs and well‑known mutual funds A set of ETF strategies A set of mutual fund/
ETF strategies
Accounts available
  • Brokerage
  • Rollover IRAs
  • Traditional and Roth IRAs
  • 529 college savings plans
  • Small business solutions
  • Brokerage
  • Rollover IRAs
  • Traditional and Roth IRAs
  • Brokerage
  • Rollover IRAs
  • Traditional and Roth IRAs
  • 529 college savings plans
  • Small business solutions
Step-by-step guidance
Easy-to-use tools
Investor education
Access to award-winning
BofA Merrill Lynch Global Research
Third-party and independent
research & insights
Mobile
Online dashboard to
monitor performance
24/7 service
Portfolio built, managed
and rebalanced for youFootnote6,7
 
Work with an advisor to create a personalized action planFootnote7
   
Online
investing & trading
Merrill Edge
Guided Investing
Invest with an advisor
Have more complex wealth management needs?
Invest with a Merrill Lynch financial advisor or a team of U.S. Trust wealth
management specialists
to help you grow, preserve and manage your wealth.
Merrill Lynch
Private Banking & Investment Group
U.S. Trust
Help when you want it
Turn to us when you have questions or need help getting the most out of Merrill Edge.
For advice to help you get and stay on track, invest with a
licensed Merrill Edge Financial Solutions Advisor™.
Need help deciding how to invest with us?
Chat
online
Call
Call 24/7
888.637.3343
1 Sales are subject to a transaction fee of $0.01 - $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 or merrilledge.com/guided-investing-program-brochure for details of Merrill Edge Guided Investing. The program fee for Merrill Edge Select® Portfolios includes portfolio management, trading costs and ongoing Financial Solutions Advisor support. In addition to the annual program fee, the expenses of the investments will vary based on the specific funds within each portfolio. Where possible, institutional class shares are used to minimize expenses.

2 Please review the Merrill Edge Guided Investing Program Brochure (PDF) 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.

There is an annual fee of 0.85% on the assets held in the account. This fee is charged monthly in advance. For full fee details, please see the Merrill Edge Advisory Account ADV brochure. Program fees include portfolio management and trading costs, as well as ongoing support. In addition to the annual program fee, funds within each portfolio have their own internal expenses, as would individual securities. Other fees may apply, including those mandated by the SEC; transfer, exchange and fund-redemption fees; conditional deferred sales charges; and markups or markdowns.
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) or visit merrilledge.com/$0detail.
5 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.

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

7 Merrill Edge investment advisory programs are offered by 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.

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