Merrill Edge Guided Investing
Introducing an online investment advisory program that combines the best of online investing with a professionally managed portfolio — all at a low cost.
An investment strategy to pursue your goal
Combining a mix of investments in a portfolio. This can help reduce the risk that large swings in the price of one investment could dramatically affect your portfolio's total value.Footnote 1
A fund that invests in a basket of securities designed to duplicate the performance of a particular market benchmark — such as a Standard & Poor's index, an industry sector, a geographic region, a certain kind of asset or some other market segment. An ETF can invest in stocks, bonds, commodities or currencies.
Investment strategies for you and your goals
Tell us about yourself and your goal online. You'll get a recommended investment strategy designed by a team of Merrill Lynch investment experts consisting of a recommended diversified portfolio of exchange-traded funds (ETFs) aligned to your needs.Footnote 1, 2
Portfolios for every investor
Portfolio management by Merrill Lynch
Merrill Lynch portfolio managers will adjust your portfolio to ensure that it stays aligned with your target asset allocation and investment goal.Footnote 1,3
Portfolio management by Merrill Lynch
Unlike many robo advisors, Merrill Edge combines what you like about online investing with a portfolio monitored and rebalanced by a team of Merrill Lynch portfolio managers.Footnote 1 So you can be confident that your investments will stay in sync with your investment strategy.Footnote 2 How our people make the difference
Get on track, stay on track
Changes in your finances or your life — getting married or divorced, buying a home, having a child, changing a job or inheriting money, for example — may warrant changes in your portfolio.
Get on track, stay on track
Visit your personalized dashboard to monitor your account's portfolio performance and update your contributions. You can change or add new goals whenever you like so your portfolio keeps up with your changing needs.
Low fee, low minimum investment
You can get started with Guided Investing for as little as $5,000 — and the low 0.45% annual fee means that if your month-end balance is $10,000, next month's fee would be just $3.75.Footnote 3 Other fees may apply.*
0.45%
annual fee
$5,000
minimum investment
Industry-leading service
Industry-leading service
Like all Merrill Edge clients, you'll get industry-leading service and step-by-step guidance from licensed Merrill Edge professionals — available online, on the phone and at a Bank of America financial center near you.
Merrill Edge's Contact Centers have been recognized by J.D. Power for providing "An Outstanding Customer Service Experience" for the Live Phone channel for 7 years in a row.Footnote 4
$600
Get up to $600 when you invest in a new Merrill Edge account. How to qualify

3 steps to get started

1
Tell us about yourself and your investing goal
2
Review your recommended investment strategy
3
Open and fund your account

More ways to invest

Enjoy the convenience of Bank of America banking with the investment insights of Merrill Lynch.
Online investing & trading
Online investing & trading
Put your ideas into action with step‑by‑step guidance, easy‑to‑use tools, award-winning researchFootnote 5 and flat-rate pricing of just $6.95 per online equity and ETF trade.**
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.
Have more complex wealth management needs?
Work with a Merrill Lynch financial advisor or a team of U.S. Trust wealth management specialists to help grow, preserve and manage your wealth.
Merrill Lynch
Private Banking & Investment Group
U.S. Trust
Learn more about our firm's background on
FINRA's BrokerCheck
*Sales trades 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 the Merrill Edge Guided Investing Program Brochure (PDF).
**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.
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. 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.

Important risk disclosures

Footnote 1 Global Wealth & Investment Management Chief Investment Office ("GWIM CIO") develops the investment strategies for Merrill Edge Guided Investing (MEGI), 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).
Footnote 2 Diversification, asset allocation and rebalancing do not ensure a profit or protect against loss in declining markets.
Footnote Footnote 3 There is an annual fee of 0.45% based on the assets held in the account. This fee is charged monthly in advance.
Footnote 
J.D. Power 2017 Certified Contact Center ProgramSM recognition is based on successful completion of an audit and exceeding a customer satisfaction benchmark through a survey of recent servicing interactions. For more information, visit www.jdpower.com/ccc. 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 
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.
Merrill Lynch Wealth Management makes available products and services offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated ("MLPF&S") and other subsidiaries of Bank of America Corporation ("BofA Corp.") The Private Banking and Investment Group is a division of MLPF&S that offers a broad array of personalized wealth management products and services. Both brokerage and investment advisory services (including financial planning) are offered by the Group's Private Wealth Advisors through MLPF&S. The nature and degree of advice and assistance provided, the fees charged, and client rights and Merrill Lynch's obligations will differ among these services. Investments involve risk, including the possible loss of principal investment. The banking, credit and trust services sold by the Group's Private Wealth Advisors are offered by licensed banks and trust companies, including Bank of America, N.A., Member FDIC, and other affiliated banks.
Certain U.S. Trust associates are registered representatives with Merrill Lynch, Pierce, Fenner & Smith Incorporated ("MLPF&S") and may assist you with investment products and services provided through MLPF&S and other nonbank investment affiliates. MLPF&S is a registered broker-dealer, Member SIPC and a wholly owned subsidiary of Bank of America Corporation ("BofA Corp."). U.S. Trust operates through Bank of America, N.A., and other subsidiaries of BofA Corp.
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