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Our Perspectives

Investing & the markets

Transforming World — Themetic Investing

Insights on the issues, trends and opportunities
reshaping the world today — and in years to come
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Merrill Perspectives Podcast

We'll take you beyond the headlines to better understand today's changing world — and potential impact for your financial life.

Market Decode: How bonds work — and what they can do for you

Matthew Diczok, head of Fixed Income Investing for Merrill Lynch Wealth Management, offers a clear, simple explanation of how bonds work and why they should be considered an important part of any investor's strategy.

Dealing with volatility: What you need to know now

Timely insights to help you manage risk when markets shift

Capital Market Outlook (PDF)

Merrill Lynch investment strategists share commentary on what's going on across global markets each week, plus offer thoughts on what's ahead.

Retirement planning

Are you on track to retire?

Get tips, stats — and true stories — to help you plan and retire ready.

College & other life goals

How to tackle the high costs of a college education

Ideas to help you save and invest, even if you think time's not on your side.

Personal finance

Kids are costly — Plan ahead so you can give them what they need

How anticipating expenses can help with your family's financial security and independence.

Tips to teach your children financial responsibility

There's no age limit for helping your kids learn to manage money. Explore our tips for letting your children benefit from your experience.
Asset allocation, diversification and (auto-) rebalancing do not ensure a profit or protect against loss in declining markets.

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Video channel

Play Market Decode video
Senior investment strategist Marci McGregor explains how asset allocation can help you find the right mix of stocks, bonds and cash to match your risk tolerance — especially when the markets get volatile.
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