Merrill A Bank of America Company Merrill A Bank of America Company Open an account Login Open Menu bar Find answers to common questions at MerrillSchedule an Open an accountwith Merrill Investing with Merrill isn't just simple, it's personalized. Find the right accounts, the right investments and the right amount of support for you. Select toChoose and open an account Build your own portfolio with a wide range of investment choices or have your portfolio managed by Merrill investment professionals with Merrill Guided Investing Stockstab 1 of 7 Mutual Fundstab 2 of 7 ETFstab 3 of 7 Fixed Incometab 4 of 7 CDstab 5 of 7 opens CDs pageOptionstab 6 of 7 Margin Tradingtab 7 of 7 Stocks Select to close “I want to invest in publicly-traded companies.” Stocks can offer investors: Select toExplore stocks at Merrill What is a stock? Mutual Funds Select to close “I want built-in diversification and a professionally managed asset.” Mutual funds can offer investors: Select toExplore mutual funds at Merrill What is a mutual fund? ETFs Select to close “I want built-in diversification and trading flexibility.” ETFs can offer investors: Select toExplore ETFs at Merrill What is an ETF? Fixed Income Select to close “I want portfolio diversification and a steady income stream.” Fixed income products can offer investors: Select toExplore fixed income at Merrill What is fixed income? Options Select to close “I want the potential for higher percentage returns and the possibility of mitigating risk.” Options can offer investors: Select toExplore options trading at Merrill What is options trading? Options involve risk and are not suitable for all investors. Certain requirements must be met to trade options. Before engaging in the purchase or sale of options, investors should understand the nature of and extent of their rights and obligations and be aware of the risks involved in investing with options. Please read the options disclosure document titled "Characteristics and Risks of Standardized Options (PDF)" before considering any option transaction. You may also call the Investment Center at 877.653.4732 for a copy. A separate client agreement is needed. Multi-leg option orders are charged one base commission per order, plus a per-contract charge. The maximum loss, gain and breakeven of any options strategy only remains as defined so long as the strategy contains all original positions. Trading, rolling, assignment, or exercise of any portion of the strategy will result in a new maximum loss, gain and breakeven calculation, which will be materially different from the calculation when the strategy remains intact with all of the contemplated legs or positions. This is applicable to all options strategies inclusive of long options, short options and spreads. To learn more about Merrill's uncovered option handling practices, view Naked Option Stress Analysis (NOSA) (PDF). Early assignment risk is always present for option writers (specific to American-style options only). Early assignment risk may be amplified in the event a call writer is short an option during the period the underlying security has an ex-dividend date. This is referred to as dividend risk. Long options are exercised and short options are assigned. Note that American-style options can be assigned/exercised at any time through the day of expiration without prior notice. Options can be assigned/exercised after market close on expiration day. View specific Merrill Option Exercise & Assignment Practices (PDF). Supporting documentation for any claims, comparison, recommendations, statistics, or other technical data, will be supplied upon request. Margin Trading Select to close “I want greater profit potential and increased buying power.” Margin trading can offer investors: Select toExplore margin trading at Merrill What is margin trading? NEW OFFER $0 program fees Footnotes**Conditions and Open an accountat Merrill Must use offer code: 6FREE Whether you need a single account to grow your wealth or several accounts to support multiple objectives, we'll help you define the experience that works for you. Q: Can I have more than one account? A: Yes, having multiple accounts is a great way to support multiple financial goals. Q: Can I have a Self-Directed and a managed account? A: Yes, you can pursue multiple goals with a mix of Self-Directed and fully managed accounts. Q: Can I trade stocks in a Merrill Guided Investing managed account? A: Merrill Guided Investing accounts include ETFs and mutual funds, which may contain stocks. Previous slide of 3Next slide of 3Slide 1 of 3Slide 2 of 3Slide 3 of 3 General investing accounts are a great way to invest for a range of goals individually, jointly or on behalf of a minor. Managed by You Select toOpen an investing account Learn Moreabout investing accounts Put your investing ideas into action with unlimited $0 online stock, ETF and option trades, with no annual account fees or balance minimums.Footnote1 Options contract and other fees may apply.Footnote* Available General Investing accounts Select forIndividualSelf-Directed accountsSelect forJointSelf-Directed accountsSelect forCustodialSelf-Directed accounts Managed by Merrill Investment advisory programs Select toGet started with Guided Investing Learn Moreabout Guided Investing An investment advisory program Pursue your online investing goals with a professionally managed portfolio with a 0.45 % annual program fee calculated and assessed monthly based on your prior month's balance.Footnotes2, 4 New offer $ program fee for 6 months for new enrollmentsFootnote5 Must use offer code: 6FREE Footnotes**Conditions and other fees apply Available General Investing accounts Select forIndividualGuided Investing accountsSelect forJointGuided Investing accountsSelect forCustodialGuided Investing accounts An investment advisory program Establish your investing online goals with the help of an advisor and get one-on-one guidance when you need it with a 0.85 % annual program fee calculated and assessed monthly based on your prior month's balance.Footnotes3, 4 Available General Investing accounts Select forIndividualGuided Investing with an Advisor accountsSelect forJointGuided Investing with an Advisor accountsSelect forCustodialGuided Investing with an Advisor accounts Learn more about general investing accounts Retirement accounts are a great way to plan ahead and make the most of your future after work. Managed by You Select toOpen a retirement account Learn Moreabout investing accounts Put your investing ideas into action with unlimited $0 online stock, ETF and option trades, with no annual account fees or balance minimums.Footnote1 Options contract and other fees may apply.Footnote* Available retirement accounts Select forRolloverSelf-Directed accountsSelect forTraditional IRASelf-Directed accountsSelect forRoth IRASelf-Directed accountsSelect forInherited IRASelf-Directed accountsSelect forSEP IRASelf-Directed accountsSelect forSIMPLE IRASelf-Directed accounts Managed by Merrill Investment advisory programs Select toGet started with Guided Investing Learn Moreabout Guided Investing An investment advisory program Pursue your online investing goals with a professionally managed portfolio with a 0.45 % annual program fee calculated and assessed monthly based on your prior month's balance.Footnotes2, 4 Available retirement accounts Select forRolloverGuided Investing accountsSelect forTraditional IRAGuided Investing accountsSelect forRoth IRAGuided Investing accountsSelect forSEP IRAGuided Investing accountsSelect forSIMPLE IRAGuided Investing accounts An investment advisory program Establish your investing online goals with the help of an advisor and get one-on-one guidance when you need it with a 0.85 % annual program fee calculated and assessed monthly based on your prior month's balance.Footnotes3, 4 Available retirement accounts Select forRolloverGuided Investing with an Advisor accountsSelect forTraditional IRAGuided Investing with an Advisor accountsSelect forRoth IRAGuided Investing with an Advisor accountsSelect forSEP IRAGuided Investing with an Advisor accountsSelect forSIMPLE IRAGuided Investing with an Advisor accounts Learn more about retirement accounts Education accounts are a great way to plan for the future goals of a child including college expenses. Managed by You Select toOpen an education account Learn Moreabout investing accounts Put your investing ideas into action with unlimited $0 online stock, ETF and option trades, with no annual account fees or balance minimums.Footnote1 Options contract and other fees may apply.Footnote* Available education accounts Select forNextGen529 PlanSelf-Directed accountsSelect forCustodialSelf-Directed accounts Managed by Merrill Investment advisory programs Select toGet started with Guided Investing Learn Moreabout Guided Investing An investment advisory program Pursue your online investing goals with a professionally managed portfolio with a 0.45 % annual program fee calculated and assessed monthly based on your prior month's balance.Footnotes2, 4 Available education accounts Select forCustodialGuided Investing accounts An investment advisory program Establish your investing online goals with the help of an advisor and get one-on-one guidance when you need it with a 0.85 % annual program fee calculated and assessed monthly based on your prior month's balance.Footnotes3, 4 Available education accounts Select forCustodialGuided Investing with an Advisor accounts Learn more about education accounts Small business accounts are a great way to plan for the future goals of both owners and employees. Managed by You Select toOpen a small business account Learn Moreabout investing accounts Put your investing ideas into action with unlimited $0 online stock, ETF and option trades, with no annual account fees or balance minimums.Footnote1 Options contract and other fees may apply.Footnote* Available small business accounts Select forSEP IRASelf-Directed accountsSelect forSIMPLE IRASelf-Directed accountsSelect forBasic™Self-Directed accountsSelect forRetirement cash managementSelf-Directed accountsSelect forBusiness investorSelf-Directed accounts Managed by Merrill Investment advisory programs Select toGet started with Guided Investing Learn Moreabout Guided Investing An investment advisory program Pursue your online investing goals with a professionally managed portfolio with a 0.45 % annual program fee calculated and assessed monthly based on your prior month's balance.Footnotes2, 4 Available small business accounts Select forSEP IRAGuided Investing accountsSelect forSimple IRAGuided Investing accountsSelect forBasic™Guided Investing accountsSelect forRetirement cash managementGuided Investing accountsSelect forBusiness investorGuided Investing accounts An investment advisory program Establish your investing online goals with the help of an advisor and get one-on-one guidance when you need it with a 0.85 % annual program fee calculated and assessed monthly based on your prior month's balance.Footnotes3, 4 Available small business accounts Select forSEP IRAGuided Investing with an Advisor accountsSelect forSIMPLE IRAGuided Investing with an Advisor accountsSelect forBasic™Guided Investing with an Advisor accountsSelect forRetirement cash managementGuided Investing with an Advisor accountsSelect forBusiness investorGuided Investing with an Advisor accounts Learn more about small business accounts Select to Choose and open an account 888.637.3343 Footnote 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. Footnote Other fees may apply. Sales of ETFs 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 and mutual funds. To learn more about pricing, visit our Pricing page. Footnote Merrill waives its commissions for all online stock, ETF and option trades placed in a Merrill Edge® Self-Directed brokerage account. Brokerage fees associated with, but not limited to, margin transactions, special stock registration/gifting, account transfer and processing and termination apply. $0 option trades are subject to a $0.65 per-contract fee. Other fees and restrictions may apply. Pricing is subject to change without advance notice. For broker-assisted trades through Merrill Edge, you will be charged a fee equal to the lower of $29.95 or 5.00% of the principal amount of the transaction. Further, there are indirect fees, such as annual management and other similar fees, that are charged by the manager or sponsor of an exchange-traded fund and of a closed-end fund, as disclosed in the product's prospectus. Footnote2 There is an annual program fee of 0.45 % based on the assets held in the account. This fee is charged monthly in advance. Footnote3 There is an annual program fee of 0.85 % based on the assets held in the account. This fee is charged monthly in advance. Footnote asterisk Please review the applicable Merrill Guided Investing Program Brochure (PDF) or Merrill Guided Investing with Advisor Program Brochure (PDF) for information including the program fee, rebalancing, and the details of the investment advisory program. Your recommended investment strategy will be based solely on the information you provide to us for this specific investment goal and is separate from any other advisory program offered with us. If there are multiple owners on this account, the information you provide should reflect the views and circ*mstances of all owners on the account. If you are the fiduciary of this account for the benefit of the account owner or account holder (e.g., trustee for a trust or custodian for an UTMA), please keep in mind that these assets will be invested for the benefit of the account owner or account holder. Merrill Guided Investing is offered with and without an advisor. Merrill, Merrill Lynch, and/or Merrill Edge investment advisory programs are offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated ("MLPF&S") and Managed Account Advisors LLC ("MAA") an affiliate of MLPF&S. MLPF&S and MAA are registered investment advisers. Investment adviser registration does not imply a certain level of skill or training. The Chief Investment Office (CIO) develops the investment strategies for Merrill Guided Investing and Merrill Guided Investing with Advisor, including providing its recommendations of ETFs, mutual funds and related asset allocations. Managed Account Advisors LLC (MAA), Merrill's affiliate, is the overlay portfolio manager responsible for implementing the Merrill Guided Investing strategies for client accounts, including facilitating the purchase & sale of ETFs and mutual funds in client accounts and updating account asset allocations when the CIO's recommendations change while also implementing any applicable individual client or firm restriction(s). You may also be able to obtain the same or similar services or types of investments through other programs and services, both investment advisory and brokerage, offered by Merrill; these may be available at lower or higher fees than charged by the Program. The services that you receive by investing through Merrill Guided Investing or Merrill Guided Investing with Advisor will be different from the services you receive through other programs. You may also be able to obtain some or all of these types of services from other firms, and if they are available, the fees associated with them may be lower or higher than the fees we charge. Footnote Merrill Guided Investing 6-Month Offer Introductory 6-Month Program Fee Waiver Offer eligible for accounts that are newly enrolled into the Merrill Guided Investing program (MGI) starting on and after March 27, 2023. How it Works: Tax Disclaimer: The value of the waiver of MGI's Program Fee may constitute taxable income. Merrill may issue an Internal Revenue Service Form 1099 (or other appropriate form) to you that reflects the value of the waiver. Please consult your tax advisor. Bank of America Corporation and its affiliates and associates do not provide tax advice. MAP6012065-05152025 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, 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: Privacy|Security|Glossary|Advertising practicespopupAdvertising Practicespopup © 2024 Bank of America Corporation. All rights reserved. 4326521
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