A Transforming World

Outlook 2016: Investing insights and ideas for the year ahead.
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Investment Insights: Whatever It Takes
Investment Insights: Whatever It Takes
The Office of the CIO discusses negative interest rates in Japan and the European Union, and the potential effect on U.S.-based investments.
CIO Report: Sharp Splinters, Not a Dagger
CIO Report: Sharp Splinters, Not a Dagger
The CIO Office believes it's not a time to be a bull or a bear, but a time to be balanced on the broader outlook and recognize opportunities building in healthier sectors, as well as risks in struggling areas such as emerging markets.
The Fed forecast - growth likely to continue
The Fed vs. the Markets?
Despite recent market declines, the Fed maintains the view that economic growth is likely to continue. The latest CIO Report balances the negative and positive forces at play, and favors high-quality, low-volatility investments in all asset classes.
Investing insights and ideas for your portfolio
Outlook 2016: Investing insights and ideas for your portfolio
Learn what's ahead for investors in 2016. Get insights about the economy and markets from Merrill Lynch experts.
Considering rebalancing your portfolio?
CIO Report: Considering rebalancing?
Coming through a "difficult window of volatility," investors may want to review their portfolio strategy. The CIO Office addresses investors' concerns and favors a focus on high-quality investments in a slow-growth world.
Key factors driving the market's latest swings
Markets under pressure: What's next?
Chris Hyzy, CIO for Bank of America Global Wealth and Investment Management, explores the three key factors driving the market’s latest swings, why he believes things will stabilize and how investors can prepare.
A market under stress
A market under stress
Instability in China, falling oil prices and geopolitical risk have pressured the markets. What should we expect next? In a series of FAQs, the CIO Office gives its position on investors' current concerns.
CIO Report
CIO Report
Volatile markets have pushed stocks lower. But investors may be overlooking strength in fundamentals and resilient companies. Here are ideas for any portfolio.
A potential bout of bond market illiquidity
A potential bout of bond market illiquidity
Lack of liquidity, high leverage, and low quality are a difficult combination in bond markets these days.
Learn about the spending power of a global middle class
The burgeoning middle class
As incomes continue to increase across the developing world, we see the potential for an emerging middle class to begin translating a large savings base into spending power.
3 smart tips for young investors
The basics Q&A: 3 smart tips for young investors
The markets and investing can seem complicated at first. Use these strategies to better understand your goals for your money and how you can pursue them.
Watch the panel discuss the ways that living longer is changing our lives.
End of Old: A Conversation About Longevity
Jane Pauley moderates a panel discussion about the surprising ways that living longer is changing government, society and our lives.
Managing fixed income when interest rates rise
Managing fixed income when interest rates rise
Begin by taking a thoughtful approach. Consider total returns and not just current yields. Maintain a well-diversified portfolio.
Learn about the economic impact and value of the Silver Dollar Generation
Silver is the new black
There's a reason people aged 50 and older are called the "Silver Dollar" generation—their economic clout is expansive and high-impact. Established companies and startups alike are vying for the Silver Dollar generation's business by offering a variety of products and services to capitalize on this spending.
Watch 'Discussing memory and wealth'
Discussing memory and wealth
When memory goes, so goes the ability to manage everything from relationships to decisions on family wealth. What happens next? Now is the time to create and share a plan designed to benefit your children and their children.
Learn why cyber security could be an investment opportunity
Making cents of cyber-security
Cyber crime in the form of cyber attacks and data breaches is on the rise globally. With an already booming global market, investors can look to the cyber-security industry as a source of future growth.
China devalues its currency
China devalues its currency
The country's recent move caught some by surprise and heightened short-term market volatility. But could it ultimately prove beneficial for both China and the global economy? Office of the CIO, Merrill Lynch Wealth Management, offers its outlook.
Watch 'Alister and Cecile’s story'
Alister and Cecile's story
Watch a personal story featuring Alister Bazaz whose wife has early-onset Alzheimer's.
Get insights from Merrill Lynch to keep your portfolio on track in any financial climate
Strategies to help you manage your investments in changing markets
Merrill Lynch strategists weigh in on how to keep your portfolio on track in any market.
Watch 'Millennials: Shaping their own future'
Millennials: Shaping their own future
Following several tough economic years, Millennials are making their way in the world. Our experts share some positive insights into this diverse and dynamic generation.
Watch 'How sustainable capitalism is creating a better world'
How "sustainable capitalism" is creating a better world
Companies can do well by doing right, says Arif Naqvi with The Abraaj Group. And that means shareholders, employees and local communities could all benefit.
Watch 'Road to Reform: 3 emerging markets to watch'
Road to reform: 3 emerging markets to watch
Henry Kravis, co-founder of global investment firm KKR, explains how India, China and Mexico are tackling some of their biggest challenges to growth.
Investing in energy efficiency
The Efficient Energy Frontier
Progress on many fronts helps make better use of fuel and power.
Potential fiscal and monetary policy changes in Washington
Washington's Unfinished Business
Changes to fiscal and monetary policies are ahead, but will evolve slowly.
U.S. dollar growth
The U.S. Dollar
Buoyed by American growth, we expect the currency to stay strong.
Values and Impact Investing
Values and Impact Investing
Opportunities to express personal values through investing.
Aligning Your Investing Goals with Your Principles
Aligning Your Investing Goals with Your Principles
Choosing socially responsible investments that match your personal values could now help your portfolio as well as your conscience. Find out why.
Socially responsible investing
Socially responsible investing
Matching your portfolio with a belief in a better world.
Former United States Senator Bob Kerrey
The Clear-Eyed Optimist
Bob Kerrey sees a future in which Americans live longer and better, and find innovative solutions to a wide range of problems.
3 retirement challenges women face
3 Retirement Challenges Women Face
Longevity, the earnings gap and financial confidence. Get insights on how women can address these challenges.
Watch 'The Global Fight Against Obesity'
The Global Fight Against Obesity
The statistics are alarming, but the tide may be turning. And investors could play an important role, says Sarbjit Nahal of BofA Merrill Lynch Global Research.
Watch 'Solving the Energy Challenge'
Solving the Energy Challenge
The soaring demand for energy presents economic, environmental and security issues. More efficient technologies may be the answer, says Sarbjit Nahal of BofA Merrill Lynch Global Research.
6 Tax Moves to Consider Early in Your Career
6 Tax-Smart Moves to Make Early in Your Career
Use these tax-efficient strategies to help make the most of your long-term investments.
Tax-smart investment strategies you should consider
Tax-smart investment strategies you should consider
While taxes shouldn't necessarily drive your investment decisions, they are an important consideration.

Here's what you should know.
Stay ahead of tomorrow's health care costs
Stay ahead of tomorrow's health care costs
Taking a few steps now, while you're still working, to prepare for your health care costs in retirement can give you more choices down the road.
Watch 'What 30-, 40- and 50-year-olds need to know about Social Security'
What 30-, 40- and 50-year-olds need to know about Social Security
Our expert panel discusses how Social Security will affect your retirement plans - and what you can do now to boost your retirement income later.
How to select bonds that match your goals & help you manage risk
How to select bonds that match your goals & help you manage risk
Bonds can play an important role in diversifying an investment portfolio as long as investors understand the risks associated with investing in bonds.
Portfolio rebalancing
Portfolio rebalancing
Is your portfolio in sync with your goals? See how rebalancing your portfolio, including reallocating stocks, bonds and cash, can be a critical step in helping you stay on track.
Watch 'Education for All: Building A Better Future'
Education for All: Building A Better Future
In both the developed and developing world, the face of learning is changing. The future may depend on what we do now.
Global investing poses special risks, including foreign taxation, currency fluctuation, risk associated with possible differences in financial standards and other monetary and political risks.

Investing in fixed-income securities may involve certain risks, including the credit quality of individual issuers, possible prepayments, market or economic developments and yields and share price fluctuations due to changes in interest rates. When interest rates go up, bond prices typically drop, and vice versa.

Investments focused in a certain industry may pose additional risks due to lack of diversification, industry volatility, economic turmoil, susceptibility to economic, political or regulatory risks and other sector concentration risks.

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

In a world where change is both constant and expected, there are basic, everlasting themes that will remain essential and relevant to people's individual goals and needs.
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