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Tax‑deferred growth

Invest up to $6,000 ($7,000 if you're age 50 or older) and potentially lower your current tax bill while enjoying the opportunity for tax-deferred growth. Eligibility rules apply.

Simplify your financial life

See your Merrill investing and retirement accounts and Bank of America bank accounts on one page with one login.

A full range of investments

Choose from a wide range of stocks, options, bonds, ETFs and well-known mutual funds or invest in a professionally managed portfolio by Merrill Lynch.

Straightforward pricing

No matter how you choose to invest you can count on straightforward pricing with low fees and low investment minimums. Plus enjoy real benefits and rewards with Preferred Rewards.
Get up to $600 when you invest in a new Merrill Edge Self‑Directed account. How to qualify for our $600 offer
If you contribute to an employer-sponsored plan, like a 401(k) or 403(b), you may still be eligible for a Roth IRA.

Recognized for excellence

Named one of the "Best IRA Accounts" and "Best Roth IRA Accounts" in NerdWallet 2020 reviewFootnote 7

Help when you need it

Call 888.637.3343888.637.3343
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Other fees may apply. Free and $0 means there is no commission charged for these trades. $0 option trades are subject to a $0.65 per-contract fee. 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 pricing, visit our Pricing page.
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 our Rollover IRA page or call a Merrill rollover specialist at 888.637.3343 for more information about your choices.

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Investing in securities involves risks, and there is always the potential of losing money when you invest in securities.

Asset allocation, diversification, and rebalancing do not ensure a profit or protect against loss in declining markets.
Merrill, its affiliates, and financial advisors do not provide legal, tax, or accounting advice. You should consult your legal and/or tax advisors before making any financial decisions.

This material is not intended as a recommendation, offer or solicitation for the purchase or sale of any security or investment strategy. Merrill offers a broad range of brokerage, investment advisory (including financial planning) and other services. Additional information is available in our Client Relationship Summary (PDF).

Merrill Lynch, Pierce, Fenner & Smith Incorporated (also referred to as "MLPF&S" or "Merrill") makes available certain investment products sponsored, managed, distributed or provided by companies that are affiliates of Bank of America Corporation ("BofA Corp."). MLPF&S is a registered broker-dealer, a registered investment adviser, Member Securities Investor Protection (SIPC) popup and a wholly owned subsidiary of Bank of America Corporation ("BofA Corp").
Merrill Lynch Life Agency Inc. (MLLA) is a licensed insurance agency and wholly owned subsidiary of BofA Corp.

Banking products are provided by Bank of America, N.A. and affiliated banks, Members FDIC and wholly owned subsidiaries of Bank of America Corporation.

Investment products offered through MLPF&S and insurance and annuity products offered through MLLA:
Are Not FDIC Insured Are Not Bank Guaranteed May Lose Value
Are Not Deposits Are Not Insured by Any Federal Government Agency Are Not a Condition to Any Banking Service or Activity

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