Investing in mutual funds

Build a diversified portfolio with mutual funds2

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 fees. All mutual funds have fees and expenses.
May be a good move for:
  • Building a diversified portfolio
  • Index fund investing
  • Pursuing long-term investment goals
  • Growth, value and income strategies
Call us
Or call us 24/7 at
866.460.1282

Get up to

$600
when you open and fund a new Merrill Edge investment account or IRA.

Mutual funds made simple

We offer a full range of funds, including thousands of no-load funds.

Search your way

Take advantage of powerful screening tools. Search for Morningstar 4- and 5-star rated funds, and socially responsible funds by fund family.

Simplify your search

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

Consider a target fund

Take the guesswork out of managing your portfolio by selecting a target allocation fund or target date fund aligned to your investment goals.3

Make more-informed 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

Automatic Investment Plans offer a convenient way to pursue your financial goals. Pick an amount. Choose a schedule. Change at any time.4

Invest and trade with confidence

Set up customizable alerts based on price, volume, ratings and news. Uncover hidden concentrations in your portfolio with Portfolio X-Ray®, provided by Morningstar.5

Pricing and fees

Our transparent, easy-to-understand fee structure means no unexpected charges.
Load waived funds
$0
per transaction
See prospectus for details.
No-load, no-transaction-fee (NTF) funds
$0
per transaction
$39.95 short term redemption fee applies if held less than 90 days.
No-load, transaction fee (TF) funds
$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 expenses will 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 Edge, please read the Mutual Fund Investing at Merrill Lynch pamphlet.

Get started

It's as easy as 1-2-3

1

Open your account

Open your account online in minutes. Here's what you'll need:
  • Social Security number and date of birth
  • A valid mailing and email address
  • Employment information (including company name, address and start date)
  • General financial information (such as annual income and household net worth)
  • Names and dates of birth for any beneficiaries
Or call us 24/7 at 866.460.1282
2

Fund your account6

There are several ways to fund your new account:

Transfer Cash

Real-time7
Fund instantly from your eligible linked Bank of America® bank account or Merrill Edge investment account.
Up to 3 business days
Fund within a few days from an eligible linked account at another financial institution.

Wire transfer

Same day
Wire funds electronically from another financial institution.

Write a check

3 to 5 days
Fund your account by mailing a personal, cashier's or bank check.

Transfer accounts or securities

8 or more days
Transfer an existing brokerage account, IRA account or securities from another financial institution. You can also transfer securities instantly between your Merrill Edge accounts.

Roll over into an IRA

10 or more days
Consolidate your retirement assets by rolling over accounts held in former employers' 401(k), 403(b) or 457 plans into a Merrill Edge IRA.
A Rollover IRA isn't right for everyone. Consider all of your choices and learn if a Rollover IRA may be right for you.8 For additional information, call 866.460.1282 to speak with a rollover specialist, 24/7.
3

Start investing

Create an investment strategy:
Build a balanced portfolio aligned to your investment goals in 3 easy steps.
Start your search:
Find investments that may be right for you with our powerful screeners and independent research. Simplify your search using streamlined lists of stocks, ETFs and mutual funds evaluated by Merrill Lynch research and analytic teams.9
Manage your portfolio:
Access your new Merrill Edge investment account anytime, anywhere—online, on your mobile device and at thousands of Bank of America® ATMs.
Looking for investment advice and guidance?
Meet with a Financial Solutions Advisor at more than 2,000 select Bank of America financial centers.
Or call us 24/7 at 866.460.1282
8 You have choices about what to do with your employer-sponsored retirement plan accounts. Depending on your financial circumstances, needs and goals, you may choose to roll over to an IRA or convert to a Roth IRA, roll over an employer-sponsored plan from your old job to 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 different types of protection from creditors and legal judgments. These are complex choices and should be considered with care. Visit merrilledge.com/rollover or call a Merrill Edge® rollover specialist at 888.637.3343 for more information about your choices.
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.

Important risk disclosures

2 Asset allocation, diversification and rebalancing do not ensure a profit or protect against loss in declining markets.
3 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.
4 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.
5 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.
6 Fees and expenses are subject to change. Please note that other fees and expenses may apply, including early withdrawal penalties and trustee transfer fees. For Merrill Lynch, Pierce, Fenner & Smith Incorporated's standard brokerage fees, please see the Miscellaneous Fees schedule. For Bank of America N.A.'s fees, see your Personal Schedule of Fees.
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.
9 Research provided by BofA Merrill Lynch Global Research.
AR3VPLCY-EXP111619