Investing in Mutual Funds

Build a diversified portfolioFootnote 2 with mutual funds

Mutual funds offer long-term investors a simple way to build a portfolio to help meet a range of investing goals. Merrill Edge® offers funds for every type of investor, from actively managed funds that offer the expertise of professional portfolio managers to lower-cost alternatives with no load or transaction fees1.
May be a good move for...
  • Building a diversified portfolioFootnote 2
  • Index fund investing
  • Pursuing long-term investment goals
  • Growth, value and income strategies
  • New and experienced investors
 
Tab One

Streamline your investing

Take advantage of our powerful screening tools, independent research and free investor education and then choose from a wide range of non-proprietary mutual funds, including thousands of no-load3 and load-waived3 funds (other fees and expenses apply).1 Or simplify your search with Merrill Edge Select® Funds—mutual funds evaluated and categorized by Merrill Lynch investment professionals.
 
 
Professionally managed portfolios with personal guidance
Looking for a simpler approach?
Meet with a Merrill Edge Financial Solutions Advisor™ to help you select a diversified portfolio—actively managed and monitored by investment professionals at
Merrill Lynch.
Tab Two

Find the mutual funds that may be right for you

Merrill Edge offers a full range of mutual funds, including thousands of no-load funds (other fees and expenses apply).1 While mutual funds offer a simple way to build a diversified portfolio, your original investment may gain or lose value based on market conditions.
 
Use our tools to find investments

Search for mutual funds your way

Take advantage of our powerful screening tools and search for Morningstar four- and five-star rated funds, socially responsible funds by fund family and more. Or choose your own search criteria.
 
Merrill Edge Select Funds are pre-screened by Merrill Lynch professionals

Simplify your search for the right mutual fund

Simplify your search with Merrill Edge Select® Funds—evaluated and categorized by Merrill Lynch investment professionals.
 
Consider target funds

Choose a target fund aligned to your goals

Take the guesswork out of managing your portfolio by selecting a target allocation fund or target date fund aligned to your investment goals.4
 
Stay updated with stock market news

Make more informed investment decisions

Access independent ratings and research reports from Morningstar. And, get up-to-the-minute news from Dow Jones, Thomson Reuters and Business Wire.
 
Set up an automatic investing plan

Set up an Automatic Investing Plan

Pick an amount. Choose a schedule. Change at any time. Automatic Investment Plans offer a convenient way to pursue your financial goals.5
 
Set custom alerts in your investment account

Invest with confidence

Set up customizable alerts based on price, volume, ratings, news and more. And uncover hidden concentrations in your portfolio with Portfolio X-Ray®, provided by Morningstar.6
 
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.
Tab Three

Getting started is as easy as 1-2-3

1
Open your account
Apply online and open your account in minutes. Here's what you'll need.

If you need help, give us a call at 888.637.3343—24 hours a day, 7 days a week.
 
2
Fund your account
Fund your account instantly in real time from your eligible linked Bank of America bank account, and also by linking to an account at another financial institution. Or, transfer funds to your account by check, by wire transfer, or by transferring or rolling over an existing account.7
Learn how to fund your account.
 
3
Start investing
  • Create an investment strategy—build a balanced portfolio aligned to your investment goals in 3 easy steps. Learn more.
  • Start your search for the investments that may be right for you with our powerful screeners and independent research. Simplify your search using a streamlined lists of stocks, exchange-traded funds (ETFs) and mutual funds evaluated by Merrill Lynch investment professionals.
  • Manage your portfolio with anytime, anywhere access to your Merrill Edge investment account—online, on your mobile device and at thousands of Bank of America ATMs
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.
Tab Four

Mutual funds investing costs

Our transparent, easy-to-understand fee structure means no unexpected charges—and no surprises. Keeping it simple makes it easy for you to keep your costs in check. See fee details.

Mutual Funds Investing Cost

Load waived funds
$0
per
transaction
 
 
 
See prospectus for details
No load, no transaction
fee funds (NTF)
$0
per
transaction
 
 
 
$39.95 short term redemption fee applies if held less than 90 days
No load, transaction
fee funds (TF)
$19.95
per online
transaction
$29.95
per representative- assisted transaction
 
Applies to buys, sells and exchanges
Load funds
See prospectus for fund's sales charges. No charge for intra-family exchange.
Additional fees and expense may apply.
There are costs associated with owning a mutual fund, such as annual operating fees and expenses. This and other important information is included in the prospectus. Contact us to obtain a fund's prospectus. For more information about investing in mutual funds at Merrill Lynch, please read the Mutual Fund Investing at Merrill Lynch pamphlet or consult our glossary.

View all pricing »
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
Footnote 1 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 2 Diversification, asset allocation and rebalancing do not ensure a profit or protect against loss in declining markets.

Footnote 3 When you purchase No Load, No Transaction Fee funds (NTF) or Load Waived funds, you will not pay loads, transaction fees or commissions. For No Load, Transaction Fee funds (TF) you will be charged a transaction fee of $19.95 per online purchase, sale or exchange or $29.95 if representative assisted. A Merrill Edge short term redemption fee of $39.95 is charged on redemptions or exchanges of NTF funds that are held less than 90 days. There are costs associated with owning a mutual fund, such as annual operating fees and expenses. This and other important information are included in the prospectus. For more information about investing in mutual funds at Merrill Lynch, please read the Mutual Fund Investing at Merrill Lynch pamphlet or consult our glossary.

Footnote 4 The target date (or retirement date, as applicable) for these funds is the approximate date when an investor plans to start withdrawing the assets from their retirement account. The principal value of these funds is not guaranteed at any time, including at the target date. These funds are designed to become more conservative over time as the target date approaches.

Footnote 5 No investment plan is risk free, and a systematic investment plan does not ensure profits or protect against losses in declining markets. This program is recommended for long-term investing in mutual funds. Since Automatic Investment Plans (AIPs) involve continual investment in securities regardless of fluctuating prices, you should consider your financial ability to continue investing through periods of low price levels. Your AIP purchases may be on margin. Borrowing on margin and using securities as collateral involves certain risks. Margin is not appropriate for all investors. Please refer to your Margin Agreement which outlines the risks associated with borrowing on margin.

Footnote 6 The data and investment information in Portfolio X-Ray® is provided by Morningstar. Merrill Edge offers access to Portfolio X-Ray as a courtesy to its clients. It is for information purposes only, and Merrill Edge does not control or validate it. Morningstar's securities classifications may differ from those used by other sources, including Merrill Edge. Please note: If you have questions, refer to your statement, which is the official record of your account.

Footnote 7 Certain banking and brokerage accounts may be ineligible for real-time money movement, including but not limited to transfers to/from bank IRAs (CD, Money Market), 529s, SafeBalance Banking®, Credit Cards and transfers from IRAs, Loans (HELOC, LOC, Mortgage) and accounts held in the military bank. Accounts eligible for real-time transfers will be displayed online in the to/from drop down menu on the transfer screen.

Footnote 8 You have choices for what to do with your employer sponsored retirement plan. Depending on your financial circumstances, needs and goals, you may choose to roll over to an IRA or convert to a Roth, roll over to an employer sponsored plan from a prior employer to an employer sponsored plan at your new employer, take a distribution or leave the account where it is. Each choice may offer different investment options and services, fees and expenses, withdrawal options, required minimum distributions, tax treatment and provide different protection from creditors and legal judgments. These are complex choices and should be considered with care. Visit http://www.merrilledge.com/retirement/rollover-ira or call a Merrill Edge rollover specialist at 1.888.637.3343 for additional information about your choices.

Mutual funds are not FDIC insured; are not deposits or obligations of, or guaranteed by, any financial institution; and are subject to investment risks, including possible loss of the principal amount invested. Investment return and principal value will fluctuate so that an investor's shares, when redeemed, may be worth more or less than their original cost.

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