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Our Perspectives

Investing & the markets

The big shift: New market forces and ways to prepare

Presented by Bank of America: Experts discuss inflation, volatility, global tension and potential impacts to your portfolio

Introducing the Bank of America Institute

Dedicated to uncovering powerful insights that move business & society forward

Big changes in healthcare — will they affect your financial life?

Presented by Bank of America: Watch experts discuss how the pandemic, innovation and policy are reshaping healthcare and why it's essential to factor healthcare costs into your retirement plan.

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.

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

How much do you really need to save for retirement?

Use these insights to help determine whether your retirement plan is on the right track.

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

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.
Investing involves risk including possible loss of principal. Past performance is no guarantee of future results.

BofA Global Research is research produced by BofA Securities, Inc. ("BofAS") and/or one or more of its affiliates. BofAS is a registered broker-dealer, Member SIPC popup, and wholly owned subsidiary of Bank of America Corporation ("BofA Corp.").
This information should not be construed as investment advice and is subject to change. It is provided for informational purposes only and is not intended to be either a specific offer by Bank of America, Merrill or any affiliate to sell or provide, or a specific invitation for a consumer to apply for, any particular retail financial product or service that may be available.

The Chief Investment Office (CIO) provides thought leadership on wealth management, investment strategy and global markets; portfolio management solutions; due diligence; and solutions oversight and data analytics. CIO viewpoints are developed for Bank of America Private Bank, a division of Bank of America, N.A., ("Bank of America") and Merrill Lynch, Pierce, Fenner & Smith Incorporated ("MLPF&S" or "Merrill"), a registered broker-dealer, registered investment adviser and a wholly owned subsidiary of Bank of America Corporation ("BofA Corp.").
All recommendations must be considered in the context of an individual investor's goals, time horizon, liquidity needs and risk tolerance. Not all recommendations will be in the best interest of all investors.

Asset allocation, diversification and (auto-) rebalancing do not ensure a profit or protect against loss in declining markets.
Investments have varying degrees of risk. Some of the risks involved with equity securities include the possibility that the value of the stocks may fluctuate in response to events specific to the companies or markets, as well as economic, political or social events in the U.S. or abroad. Bonds are subject to interest rate, inflation and credit risks. Investments in foreign securities (including ADRs) involve special risks, including foreign currency risk and the possibility of substantial volatility due to adverse political, economic or other developments. These risks are magnified for investments made in emerging markets. Investments in a certain industry or sector may pose additional risk due to lack of diversification and sector concentration. There are special risks associated with an investment in commodities, including market price fluctuations, regulatory changes, interest rate changes, credit risk, economic changes and the impact of adverse political or financial factors.

Impact investing and/or Environmental, Social and Governance (ESG) managers may take into consideration factors beyond traditional financial information to select securities, which could result in relative investment performance deviating from other strategies or broad market benchmarks, depending on whether such sectors or investments are in or out of favor in the market. Further, ESG strategies may rely on certain values based criteria to eliminate exposures found in similar strategies or broad market benchmarks, which could also result in relative investment performance deviating.
Dividend payments are not guaranteed, and are paid only when declared by an issuer's board of directors. The amount of a dividend payment, if any, can vary over time.

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