Investing in Mutual Funds

Build a diversified portfolio 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 portfolio2
  • 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
 
Looking for investment advice and guidance?
Pursue your financial goals with advice and guidance from a licensed Merrill Edge Financial Solutions Advisor™—and ask about getting your own Merrill Edge Roadmap® to help you make a plan and stay on track.8
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 call at 1.888.637.3343—24 hours a day, 7 days a week.
 
2
Fund in one of four ways
Fund your account instantly in real time from your eligible linked Bank of America bank account. 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 with help from easy-to-use planning tools like the Asset Allocator™
  • 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
Looking for investment advice and guidance?
Pursue your financial goals with advice and guidance from a licensed Merrill Edge Financial Solutions Advisor™—and ask about getting your own Merrill Edge Roadmap® to help you make a plan and stay on track.8
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 »
Looking for investment advice and guidance?
Pursue your financial goals with advice and guidance from a licensed Merrill Edge Financial Solutions Advisor™—and ask about getting your own Merrill Edge Roadmap® to help you make a plan and stay on track.8
Ready to get started?
1.888.637.3343
Call 24 hours a day, 7 days a week
$600 account offer
Get up to $600 when you enroll, open and fund a new Merrill Edge investment account or IRA.
1 Other management and transaction fees may apply. In addition to your stock, ETF or option commission sell orders may also be subject to a transaction fee (of between $0.01 to $0.03 per $1,000 of principal). If applicable, this fee appears under "Transaction Fee" on a Trade Confirmation. There are other fees associated with investing in ETFs. Read the "Expenses & Charges" sections of the prospectus to find out what they are. Contact us to obtain a prospectus.

2 Diversification does not ensure a profit or protect against loss in declining markets.

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.

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.

Because a target date fund is a "funds of funds," it will bear its allocable share of the costs and expenses of the underlying investment vehicles in which it invests (including its allocable share of the management fees and incentive compensation payable to the investment managers of such vehicles). The target date fund is thus subject to two levels of fees and a potentially higher expense ratio than would be associated with an investment in a fund that trades directly in a financially instruments under the direction of a single manager.

5 Keep in mind that an automatic investment plan cannot guarantee a profit or prevent a loss in declining markets. Since such an investment plan involves continual investment in securities regardless of fluctuating price levels, you should consider your willingness to continue purchasing during periods of high or low price levels.

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.

7 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.

8 Merrill Edge Roadmap® is available with a Merrill Edge Advisory Center™ account.

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. For more information about investing in mutual funds at Merrill Lynch, please read the Guide to Mutual Fund Investing or visit our glossary.

Mutual Funds: While no-load funds do not assess sales charges, fund shares are subject to management fees and certain other expenses. Redemption fees may also apply. Merrill Lynch receives remuneration from participating fund companies. In addition to receiving dealer concessions and asset-based sales charges and/or services fees in connection with clients' purchasing and holding mutual fund shares, Merrill Lynch and its affiliates provide other services for which they may receive additional compensation from funds or their affiliates. This compensation is generally disclosed in a fund's prospectus which is available from an Investment Center representative and in the Guide to Mutual Fund Investing, which is available here. For specific mutual fund family compensation information, please contact the Investment Center.

Fund shares may be redeemed directly with the Fund without payment of the Merrill Lynch Short-Term Redemption fee. Additional transfer fees may apply.

Many Load Funds offer various sales charge discounts or waivers depending on the terms of the prospectus and/or statement of additional information. You should consult a fund's prospectus and/or statement of additional information to determine whether you may qualify for a discount or waiver. Notify an Investment Center representative if you believe you qualify for any of these discounts or waivers. Call the Investment Center at 1.877.653.4732 for assistance.

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