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Investing in Mutual Funds

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                          No transaction fee, load waived and no load funds are only available in Merrill Edge through a Merrill Edge Self-Directed account or through enrollment in an asset-based fee program offered through Merrill Edge Advisory Center. Some funds that are reflected as front end load are offered load waived in Self-Directed accounts. To learn more call

                          Explore the top mutual fund performers1

                          *As of 06/30/2021 unless otherwise noted
                          Average Annual Total Returns
                          1 Yr
                          3 Yr5 Yr10 Yr/LOF* Morningstar
                          Overall Rating
                          VICTORY:GLOBAL EN TRAN;A
                          Natural Resources149.58%-6.23%-2.11%-5.61% 
                          BARON PARTNERS FUND;RTL
                          Large Growth118.98%47.25%38.09%23.55% 
                          SHELTON:GREEN ALPHA
                          Mid-Cap Growth112.61%44.53%29.66%21.75%
                          KINETICS:SC OPPTY;NL
                          Small Growth107.10%21.46%25.54%16.83% 
                          KINETICS:SC OPPTY;A
                          Small Growth94.68%18.77%23.74%15.85% 
                          ROYCE FD:OPPTY;INV
                          Small Value102.05%17.76%21.11%13.19% 
                          SNOW CAPITAL SC VAL;A
                          Small Value91.21%9.42%11.92%8.48% 
                          Mid-Cap Blend99.24%12.01%14.72%12.34% 
                          INVESCO SC VALUE;A
                          Small Value87.26%11.52%15.21%11.40% 
                          RYDEX:S&P SC 600 P VAL;H
                          Small Value97.91%5.72%9.64%7.89% 
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                          Mutual Funds

                          Characteristics of mutual funds2

                          • Diversification even with a low initial investment
                          • Professional investment management
                          • Liquidity
                          • Convenience and flexibility

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                          Footnote 1 Returns data provided by Lipper. Top mutual fund performers based on returns data for the time period specified. Data is updated quarterly.

                          Footnote 2 Asset allocation and diversification do not ensure a profit or protect against loss in declining markets.

                          The information herein was obtained from multiple sources, we do not guarantee its accuracy or completeness

                          The performance data contained herein represents past performance which does not guarantee future results. Investment return and principal value will fluctuate so that shares, when redeemed, may be worth more or less than their original cost. Current performance may be lower or higher than the performance quoted. For performance information current to the most recent month end, please contact us.

                          All total returns assume the reinvestment of all dividend and capital gain distributions at net asset value when paid. All total returns without sales charge do not reflect the deduction of the current maximum sales charge or the applicable contingent deferred sales charge or any applicable redemption fee. Had those charges been deducted the results would have been lower than shown.

                          All total returns with sales charges assume the deduction of the current maximum sales charge or payment of the applicable contingent deferred sales charge but do not include any applicable redemption fee. During prior years, certain classes of shares may have been offered at a higher maximum sales charge. Therefore, the average annual returns may have been somewhat lower than noted.

                          Definitions for investment terms are available in the Glossary.

                          Merrill Lynch, Pierce, Fenner & Smith Incorporated offers its products, accounts and services through different service models (for example, self-directed, full-service). Based on the service model, the same or similar products, accounts and services may vary in their price or fees charged to a client.

                          Investing involves risk. Investment funds are subject to market volatility and the risks of their underlying securities. In addition, each fund has its own specific risk profile and investment strategies detailed in its prospectus or other offering material, which must be considered carefully before making an investment decision.

                          Before investing consider carefully the investment objectives, risks, and charges and expenses of the fund, including management fees, other expenses and special risks. This and other information may be found in each fund's prospectus or summary prospectus, if available. Always read the prospectus or summary prospectus carefully before you invest or send money. Prospectuses can be obtained by contacting us.

                          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.

                          Not all classes of shares may be available to every investor or to every account in that investor's name. Furthermore, those classes of shares that you would be eligible to purchase may be subject to ongoing account maintenance and/or distribution fees, which will affect the performance of such shares. Certain limitations may 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, and if available, the summary prospectus, statement of additional information or website. For specific mutual fund family compensation information, please contact us.

                          Morningstar Rating for funds, or "star rating", is calculated for managed products (including mutual funds, variable annuity and variable life subaccounts, exchange-traded funds, closed-end funds, and separate accounts) with at least a three-year history. Exchange-traded funds and open-ended mutual funds are considered a single population for comparative purposes. It is calculated based on a Morningstar Risk-Adjusted Return measure that accounts for variation in a managed product's monthly excess performance, placing more emphasis on downward variations and rewarding consistent performance. The Morningstar Rating does not include any adjustment for sales loads. The top 10% of products in each product category receive 5 stars, the next 22.5% receive 4 stars, the next 35% receive 3 stars, the next 22.5% receive 2 stars, and the bottom 10% receive 1 star. The Overall Morningstar Rating for a managed product is derived from a weighted average of the performance figures associated with its three-, five-, and 10-year (if applicable) Morningstar Rating metrics. The weights are: 100% three-year rating for 36-59 months of total returns, 60% five-year rating/40% three-year rating for 60-119 months of total returns, and 50% 10-year rating/30% five-year rating/20% three-year rating for 120 or more months of total returns. While the 10-year overall star rating formula seems to give the most weight to the 10-year period, the most recent three-year period actually has the greatest impact because it is included in all three rating periods.
                          © 2021 Morningstar, Inc. All Rights Reserved. The information contained herein: (1) is proprietary to Morningstar; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of this information. Past performance is no guarantee of future results.

                          Lipper ratings for Total Return reflect funds' historical total return performance relative to peers.

                          Lipper ratings are subject to change every month and are based on an equal-weighted average of percentile ranks for the Total Return, Consistent Return, Preservation, Tax Efficiency, and Expense metrics over three, five, ten year and overall periods (if applicable). The highest 20% of funds in each peer group are named Lipper Leader or a score of 5, the next 20% receive a score of 4, the middle 20% are scored 3, the next 20% are scored 2, and the lowest 20% are scored 1. Lipper ratings are not intended to predict future results, and Lipper does not guarantee the accuracy of this information. More information is available at Copyright 2021 FactSet. All rights reserved.

                          For more information about investing in mutual funds at Merrill Lynch and Merrill Edge, please read the Guide to Mutual Fund Investing (PDF).

                          Mutual Funds are priced as of the previous business day's market close when the market is open. Mutual fund positions are priced as of the official market close, 4:00 p.m. EST.

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