Personal finance

Resources to help you make more informed
long- and short-term financial decisions

New to investing?

Prioritize your goals, choose your investments and keep track of your progress.

College planning 101: Tips to start saving today

Tip #1: It's never too early to start. Our experts offer a few simple steps that could help you on the road to funding your higher education goals.

Savings strategies

A systematic saving strategy Footnote 1 can help you pursue your financial goals. These tips may help you save more.

Tax Center

Tips, tools and information to help you file your taxes and learn about tax-efficient investing. Footnote 2

What's the true cost of debt?

Use this calculator to estimate your payments and total cost of an installment loan.

Learn more about investing

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Footnote 1 Keep in mind that a systematic investment strategy 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.

Footnote 2 Neither Merrill Lynch nor any of its affiliates or financial advisors provide legal, tax or accounting advice. You should consult your legal and/or tax advisors before making any financial decisions.