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href="mailto:franchise@bankofamerica.com?subject=Re%3A%20IFA%20franchise%20retirement%20solutions&body=Thank%20you%20for%20your%20interest%20in%20learning%20more%20about%20Bank%20of%20America%20Merrill%20Lynch%20retirement%20solutions%20for%20your%20franchise.%20We%20can%20help%20you%20choose%20a%20plan%20that%E2%80%99s%20right%20for%20you%20and%20your%20employees.%0D%0A%0D%0ATo%20better%20serve%20you%2C%20please%20provide%20the%20following%20required%20information%20so%20we%20can%20contact%20you%3A%0D%0A%0D%0ABusiness%20owner%E2%80%99s%20full%20name%3A%0D%0A%0D%0AName%20of%20the%20business%3A%0D%0A%0D%0APhone%20number%3A%0D%0A%0D%0AZip%20code%3A%0D%0A%0D%0ADo%20you%20currently%20have%20a%20retirement%20plan%20for%20your%20business%3F%0D%0A%0D%0A%0D%0ABy%20responding%20to%20this%20email%20you%20are%20consenting%20to%20being%20contacted%20by%20Bank%20of%20America%20Merrill%20Lynch%20retirement%20solutions%20advisor(s)%20to%20discuss%20your%20retirement%20needs%20at%20the%20phone%20number%20and%2For%20e-mail%20address%20you%20provided%20above%20regardless%20of%20any%20previously%20made%20privacy%20or%20contact%20preferences.%20Please%20note%20this%20consent%20will%20remain%20in%20effect%20for%2090%20days%3B%20unless%20you%20revoke%20your%20consent%20prior%20to%20this%20date.">franchise@bankofamerica.com</a><br 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<div class="mega-flex mb-20"> <div class="mega-image"><img src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-phone-call-scalable.png" alt="" style="width:24px; height:auto;" /></div> <div class="mega-text"> <p class="txt-14 mb-5">Available 24/7</p> <p class="txt-12 bold mb-0"><a name="phoneInvest" id="phoneInvest" href="tel:888.637.3343">888.637.3343</a></p> </div> </div> <div class="mega-flex mb-20"> <div class="mega-image"><img src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-location-fsa-scalable.png" alt="" style="width:18px; height:auto;" /></div> <div class="mega-text"> <p class="txt-14 mb-5">Guidance near you</p> <p class="txt-12 bold mb-0"><a name="apptInvest" id="apptInvest" target="_blank" href="https://secure.bankofamerica.com/secure-mycommunications/public/appointments/?marketingCode=MESCHDCNSLT_ECBBA_A3000">Schedule an appointment</a></p> </div> </div> <div class="mega-flex"> <div class="mega-image"><img src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-book-scalable.png" alt="" style="width:24px; height:auto;" /></div> <div class="mega-text"> <p class="txt-14 mb-5">Investing Education</p> <p class="txt-12 bold mb-0"><a name="infoInvest" id="infoInvest" class="lead-16" href="/investor-education">Build your knowledge with<br /> our insights and education</a></p> </div> </div> </div>  <div class="ifaYes hide"> <div class="mega-flex ifa"> <div class="mega-image ifa"><img src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-email-scalable.png" alt="" style="width:30px; height:auto;" /></div> <div class="mega-text"> <p class="bold txt-s txt-gray2 txt-12 mt-5 mb-0 lead-125pc">To find the small business<br /> retirement plan that works<br /> for you, contact:</p> </div> </div> </div> </div> </div> <div class="pt-5 pl-25 pr-25" style="padding-bottom:90px;">  <a class="ifaYes hide" target="_blank" rel="noopener noreferrer" href="mailto:franchise@bankofamerica.com?subject=Re%3A%20IFA%20franchise%20retirement%20solutions&body=Thank%20you%20for%20your%20interest%20in%20learning%20more%20about%20Bank%20of%20America%20Merrill%20Lynch%20retirement%20solutions%20for%20your%20franchise.%20We%20can%20help%20you%20choose%20a%20plan%20that%E2%80%99s%20right%20for%20you%20and%20your%20employees.%0D%0A%0D%0ATo%20better%20serve%20you%2C%20please%20provide%20the%20following%20required%20information%20so%20we%20can%20contact%20you%3A%0D%0A%0D%0ABusiness%20owner%E2%80%99s%20full%20name%3A%0D%0A%0D%0AName%20of%20the%20business%3A%0D%0A%0D%0APhone%20number%3A%0D%0A%0D%0AZip%20code%3A%0D%0A%0D%0ADo%20you%20currently%20have%20a%20retirement%20plan%20for%20your%20business%3F%0D%0A%0D%0A%0D%0ABy%20responding%20to%20this%20email%20you%20are%20consenting%20to%20being%20contacted%20by%20Bank%20of%20America%20Merrill%20Lynch%20retirement%20solutions%20advisor(s)%20to%20discuss%20your%20retirement%20needs%20at%20the%20phone%20number%20and%2For%20e-mail%20address%20you%20provided%20above%20regardless%20of%20any%20previously%20made%20privacy%20or%20contact%20preferences.%20Please%20note%20this%20consent%20will%20remain%20in%20effect%20for%2090%20days%3B%20unless%20you%20revoke%20your%20consent%20prior%20to%20this%20date.">franchise@bankofamerica.com</a><br 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<style> .mega-flex { align-items:center; display:flex; gap:12px; } .mega-flex.ifa { gap:10px; } .mega-image { align-items:center; display:flex; flex-direction:column; flex-shrink:0; justify-content:flex-end; text-align:center; width:24px; } .mega-image.ifa { width:30px; } .fsa-placement { background-position:center center; background-repeat:no-repeat; background-size:100% auto; display: block; height:65px; margin-right:6px; width:50px; } .fsa-incontext a.cta.orange { background:#0052c2; border-color:#0052c2; } .fsa-incontext a:hover.cta.orange { background:#0073cf; border-color:#0073cf; } </style></div></div><div id="l2GNR" class="mega-nav" style="left:;"><div id="GNRcol1" class="fl nav mn-col1" style="left:;"><div id="col1GNRWrap" class="wrap" style="left:;"><div id="headSub1Col1GNR" class="heading" style="left:;" href="/guidance/tools">Financial Goal Planning</div><ul id="Sub1col1GNR" class="nl-a" style="left:;"><li id="nav1_sub1col1GNR" class="" style="left:;"><a 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Resources</a></li></ul></div></div><div id="GNRcol2" class="fl nav mn-col3" style="left:;"><div id="col2GNRWrap" class="wrap" style="left:;"><div id="headCol2GNR" class="heading" style="left:;" href="/guidance">Education Planning</div><ul id="col2GNR" class="nl-a" style="left:;"><li id="nav1_col2GNR" class="" style="left:;"><a href="/college-savings">Plan for College</a></li><li id="nav2_col2GNR" class="" style="left:;"><a href="/college-savings/college-cost-calculator">College Cost Calculator</a></li><li id="nav3_col2GNR" class="" style="left:;"><a href="/college-savings/529-state-tax-calculator">529 Plan State Tax Calculator</a></li></ul><div id="headSub1Col2GNR" class="heading mt-30" style="left:;" href="/guidance">Retirement Planning</div><ul id="Sub1col2GNR" class="nl-a" style="left:;"><li id="nav1_Sub1col2GNR" class="" style="left:;"><a href="/retirement-planning">Plan for Retirement</a></li><li id="nav2_Sub1col2GNR" class="" style="left:;"><a href="/retirement/personal-retirement-calculator">Personal Retirement Calculator</a></li><li id="nav3_Sub1col2GNR" class="" style="left:;"><a href="/retirement/ira/selector-tool">Retirement Account Selector Tool</a></li><li id="nav4_Sub1col2GNR" class="" style="left:;"><a href="/retirement/401k-rollover-calculator">401(k) Rollover Calculator</a></li></ul></div></div><div id="GNR_CMS" class="fl cms mn-col4" style="left:;"><div class="wrap" style="padding-bottom:100px;"> <div class="heading">Help When You Want It</div> <div class="fsa-notincontext"> <div> <div class="pt-5 pb-10 pl-25 pr-25">  <div class="ifaNo"> <div class="mega-flex mb-20"> <div class="mega-image"><img src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-phone-call-scalable.png" alt="" style="width:24px; height:auto;" /></div> <div class="mega-text"> <p class="txt-14 mb-5">Available 24/7</p> <p class="txt-12 bold mb-0"><a name="phoneGuide" id="phoneGuide" href="tel:888.637.3343">888.637.3343</a></p> </div> </div> <div class="mega-flex mb-20"> <div class="mega-image"><img src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-location-fsa-scalable.png" alt="" style="width:18px; height:auto;" /></div> <div class="mega-text"> <p class="txt-14 mb-5">Guidance near you</p> <p class="txt-12 bold mb-0"><a name="apptGuide" id="apptGuide" target="_blank" href="https://secure.bankofamerica.com/secure-mycommunications/public/appointments/?marketingCode=MESCHDCNSLT_ECBBA_A3000">Schedule an appointment</a></p> </div> </div> <div class="mega-flex"> <div class="mega-image"><img src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-invest-portfolio-scalable.png" alt="" style="width:24px; height:auto;" /></div> <div class="mega-text"> <p class="txt-14 mb-5">Investing and Trading</p> <p class="txt-12 bold mb-0"><a name="infoGuide" id="infoGuide" class="lead-16" href="/investing">A full range of<br /> investment choices</a></p> </div> </div> </div>  <div class="ifaYes hide"> <div class="mega-flex ifa"> <div class="mega-image ifa"><img src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-email-scalable.png" alt="" style="width:30px; height:auto;" /></div> <div class="mega-text"> <p class="bold txt-s txt-gray2 txt-12 mt-5 mb-0 lead-125pc">To find the small business<br /> retirement plan that works<br /> for you, contact:</p> </div> </div> </div> </div> </div> <div class="pt-5 pl-25 pr-25 pb-20">  <a class="ifaYes hide" target="_blank" rel="noopener noreferrer" href="mailto:franchise@bankofamerica.com?subject=Re%3A%20IFA%20franchise%20retirement%20solutions&body=Thank%20you%20for%20your%20interest%20in%20learning%20more%20about%20Bank%20of%20America%20Merrill%20Lynch%20retirement%20solutions%20for%20your%20franchise.%20We%20can%20help%20you%20choose%20a%20plan%20that%E2%80%99s%20right%20for%20you%20and%20your%20employees.%0D%0A%0D%0ATo%20better%20serve%20you%2C%20please%20provide%20the%20following%20required%20information%20so%20we%20can%20contact%20you%3A%0D%0A%0D%0ABusiness%20owner%E2%80%99s%20full%20name%3A%0D%0A%0D%0AName%20of%20the%20business%3A%0D%0A%0D%0APhone%20number%3A%0D%0A%0D%0AZip%20code%3A%0D%0A%0D%0ADo%20you%20currently%20have%20a%20retirement%20plan%20for%20your%20business%3F%0D%0A%0D%0A%0D%0ABy%20responding%20to%20this%20email%20you%20are%20consenting%20to%20being%20contacted%20by%20Bank%20of%20America%20Merrill%20Lynch%20retirement%20solutions%20advisor(s)%20to%20discuss%20your%20retirement%20needs%20at%20the%20phone%20number%20and%2For%20e-mail%20address%20you%20provided%20above%20regardless%20of%20any%20previously%20made%20privacy%20or%20contact%20preferences.%20Please%20note%20this%20consent%20will%20remain%20in%20effect%20for%2090%20days%3B%20unless%20you%20revoke%20your%20consent%20prior%20to%20this%20date.">franchise@bankofamerica.com</a><br />  </div> </div> <div class="fsa-incontext mt-15 pt-15 pr-20 pb-20 pl-25" style="padding-bottom:80px;"> <div class="mb-15" style="display:flex;"> <span class="fsa-photo fsa-placement"></span> <div style="display:flex; flex-direction:column; justify-content:center;"> <p class="bold mb-5 w-145"><a class="fsa-website" href="" target="_self"><span class="fsa-firstname"></span> <span class="fsa-lastname"></span></a></p> <p class="fsa-functionaltitle mt-0 mb-10"></p> <p class="fsa-phone bold mt-0 mb-0"></p> <p class="fsa-extension bold mt-0 mb-0"></p> </div> </div> <div><a class="fsa-scheduleappointment cta orange mb-10" href="" target="_self"><span>Schedule an appointment</span></a></div> <p class="mt-0 mb-0 lead-14">Learn more about an advisor's<br /> background on <a onclick="javascript:OnlineCommonJSFunctions.LoadModalPopupByUrl('/broker-check-modal',null,500,650,null,null,'modal2',true,'pageMask2');return false;" href="javascript:void(0);">FINRA's BrokerCheck</a></p> </div> </div> <style> .mega-flex { align-items:center; display:flex; gap:12px; } .mega-flex.ifa { gap:10px; } .mega-image { align-items:center; display:flex; flex-direction:column; flex-shrink:0; justify-content:flex-end; text-align:center; width:24px; } .mega-image.ifa { width:30px; } .fsa-placement { background-position:center center; background-repeat:no-repeat; background-size:100% auto; display: block; height:65px; margin-right:6px; width:50px; } .fsa-incontext a.cta.orange { background:#0052c2; border-color:#0052c2; } .fsa-incontext a:hover.cta.orange { background:#0073cf; border-color:#0073cf; } </style></div></div><div id="l2Research" class="mega-nav" style="left:;"><div id="col1RES" class="fl nav mn-col1" style="left:;"><div id="wrapRES" class="wrap" style="left:;"><div id="headRES" class="heading" style="left:;">Solutions</div><ul id="Col1RES" class="nl-a" style="left:;"><li id="nav2_Col1RES" class="" style="left:;"><a href="/retirement/rollover-ira">Rollover</a></li><li id="nav5_Col1RES" class="" style="left:;"><a href="/retirement/traditional-ira">Traditional IRA</a></li><li id="nav4_Col1RES" class="" style="left:;"><a href="/retirement/roth-ira">Roth IRA</a></li></ul><div id="headCol1Sub1RES" class="heading mt-30" style="left:;">Retirement Resources</div><ul id="Col1Sub1RES" class="nl-a" style="left:;"><li id="nav1_Col1Sub1RES" class="" style="left:;"><a href="/retirement/retirement-income-planning">Income in Retirement</a></li><li id="nav2_Col1Sub1RES" class="" style="left:;"><a href="/retirement-planning">Plan for Retirement</a></li><li id="nav3_Col1Sub1RES" class="" style="left:;"><a href="/retirement">Retirement Account Types</a></li><li id="nav4_Col1Sub1RES" class="" style="left:;"><a href="/guidance/tools/retirement">Retirement Tools</a></li></ul></div></div><div id="col2RES" class="fl nav mn-col2" style="left:;"><div id="wrap2RES" class="wrap" style="left:;"><div id="headRES2" class="heading" style="left:;" href="/research-and-insights">Small Business</div><ul id="Col2RES" class="nl-a" style="left:;"><li id="nav1_Col2RES" class="" style="left:;"><a href="/small-business/401k">Small Business 401(k)</a></li><li id="nav2_Col2RES" class="" style="left:;"><a href="/small-business/individual-401k">Individual 401(k)</a></li><li id="nav3_Col2RES" class="" style="left:;"><a href="/small-business/sep-ira">SEP IRA</a></li><li id="nav4_Col2RES" class="" style="left:;"><a href="/small-business/simple-ira">SIMPLE IRA</a></li><li id="nav5_Col2RES" class="" style="left:;"><a href="/small-business">View All Plans</a></li></ul></div></div><div id="l2Research_CMS" class="fl cms mn-col3" style="left:;"><div class="wrap" style="padding-bottom:100px;"> <div class="heading">Help When You Want It</div> <div class="fsa-notincontext"> <div> <div class="pt-5 pb-10 pl-25 pr-25">  <div class="ifaNo"> <div class="mega-flex mb-20"> <div class="mega-image"><img src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-phone-call-scalable.png" alt="" style="width:24px; height:auto;" /></div> <div class="mega-text"> <p class="txt-14 mb-5">Available 24/7</p> <p class="txt-12 bold mb-0"><a name="phoneResearch" id="phoneResearch" href="tel:888.637.3343">888.637.3343</a></p> </div> </div> <div class="mega-flex mb-20"> <div class="mega-image"><img src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-location-fsa-scalable.png" alt="" style="width:18px; height:auto;" /></div> <div class="mega-text"> <p class="txt-14 mb-5">Guidance near you</p> <p class="txt-12 bold mb-0"><a name="apptResearch" id="apptResearch" target="_blank" href="https://secure.bankofamerica.com/secure-mycommunications/public/appointments/?marketingCode=MESCHDCNSLT_ECBBA_A3000">Schedule an appointment</a></p> </div> </div> <div class="mega-flex"> <div class="mega-image"><img src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-goal-target-scalable.png" alt="" style="width:24px; height:auto;" /></div> <div class="mega-text"> <p class="txt-14 mb-5">Financial Planning</p> <p class="txt-12 bold mb-0"><a name="infoResearch" id="infoResearch" class="lead-16" href="/guidance">Insights to help you<br /> plan for your goals</a></p> </div> </div> </div>  <div class="ifaYes hide"> <div class="mega-flex ifa"> <div class="mega-image ifa"><img src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-email-scalable.png" alt="" style="width:30px; height:auto;" /></div> <div class="mega-text"> <p class="bold txt-s txt-gray2 txt-12 mt-5 mb-0 lead-125pc">To find the small business<br /> retirement plan that works<br /> for you, contact:</p> </div> </div> </div> </div> </div> <div class="pt-5 pl-25 pr-25" style="padding-bottom:90px;">  <a class="ifaYes hide" target="_blank" rel="noopener noreferrer" href="mailto:franchise@bankofamerica.com?subject=Re%3A%20IFA%20franchise%20retirement%20solutions&body=Thank%20you%20for%20your%20interest%20in%20learning%20more%20about%20Bank%20of%20America%20Merrill%20Lynch%20retirement%20solutions%20for%20your%20franchise.%20We%20can%20help%20you%20choose%20a%20plan%20that%E2%80%99s%20right%20for%20you%20and%20your%20employees.%0D%0A%0D%0ATo%20better%20serve%20you%2C%20please%20provide%20the%20following%20required%20information%20so%20we%20can%20contact%20you%3A%0D%0A%0D%0ABusiness%20owner%E2%80%99s%20full%20name%3A%0D%0A%0D%0AName%20of%20the%20business%3A%0D%0A%0D%0APhone%20number%3A%0D%0A%0D%0AZip%20code%3A%0D%0A%0D%0ADo%20you%20currently%20have%20a%20retirement%20plan%20for%20your%20business%3F%0D%0A%0D%0A%0D%0ABy%20responding%20to%20this%20email%20you%20are%20consenting%20to%20being%20contacted%20by%20Bank%20of%20America%20Merrill%20Lynch%20retirement%20solutions%20advisor(s)%20to%20discuss%20your%20retirement%20needs%20at%20the%20phone%20number%20and%2For%20e-mail%20address%20you%20provided%20above%20regardless%20of%20any%20previously%20made%20privacy%20or%20contact%20preferences.%20Please%20note%20this%20consent%20will%20remain%20in%20effect%20for%2090%20days%3B%20unless%20you%20revoke%20your%20consent%20prior%20to%20this%20date.">franchise@bankofamerica.com</a><br />  </div> </div> <div class="fsa-incontext mt-15 pt-15 pr-20 pb-20 pl-25" style="padding-bottom:80px;"> <div class="mb-15" style="display:flex;"> <span class="fsa-photo fsa-placement"></span> <div style="display:flex; flex-direction:column; justify-content:center;"> <p class="bold mb-5 w-145"><a class="fsa-website" href="" target="_self"><span class="fsa-firstname"></span> <span class="fsa-lastname"></span></a></p> <p class="fsa-functionaltitle mt-0 mb-10"></p> <p class="fsa-phone bold mt-0 mb-0"></p> <p class="fsa-extension bold mt-0 mb-0"></p> </div> </div> <div><a class="fsa-scheduleappointment cta orange mb-10" href="" target="_self"><span>Schedule an appointment</span></a></div> <p class="mt-0 mb-0 lead-14">Learn more about an advisor's<br /> background on <a onclick="javascript:OnlineCommonJSFunctions.LoadModalPopupByUrl('/broker-check-modal',null,500,650,null,null,'modal2',true,'pageMask2');return false;" href="javascript:void(0);">FINRA's BrokerCheck</a></p> </div> </div> <style> .mega-flex { align-items:center; display:flex; gap:12px; } .mega-flex.ifa { gap:10px; } .mega-image { align-items:center; display:flex; flex-direction:column; flex-shrink:0; justify-content:flex-end; text-align:center; width:24px; } .mega-image.ifa { width:30px; } .fsa-placement { background-position:center center; background-repeat:no-repeat; background-size:100% auto; display: block; height:65px; margin-right:6px; width:50px; } .fsa-incontext a.cta.orange { background:#0052c2; border-color:#0052c2; } .fsa-incontext a:hover.cta.orange { background:#0073cf; border-color:#0073cf; } </style></div></div><div id="l2IE" class="mega-nav" style="left:;"><div id="EDUcol1" class="fl nav mn-col1" style="left:;"><div id="col1EDUWrap" class="wrap" style="left:;"><div id="headCol1EDU" class="heading" style="left:;">Investing Insights & Education</div><ul id="col1EDU" class="nl-a" style="left:;"><li id="nav1_col1EDU" class="" style="left:;"><a href="/investor-education">Overview</a></li><li id="nav2_col1EDU" class="" style="left:;"><a href="/guidance/start-investing">Get Started Investing</a></li><li id="nav3_col1EDU" class="" style="left:;"><a href="/investor-education/investing-basics">Investing Basics</a></li><li id="nav4_col1EDU" class="" style="left:;"><a href="/investor-education/advanced-investing">Advanced Investing</a></li><li id="nav5_col1EDU" class="" style="left:;"><a href="/research/perspectives">Market & Investing Insights</a></li></ul></div></div><div id="EDUcol2" class="fl nav mn-col2" style="left:;"><div id="col2EDUWrap" class="wrap" style="left:;"><div id="headCol2EDU" class="heading" style="left:;" href="/investor-education">Product Education</div><ul id="col2EDU" class="nl-a" style="left:;"><li id="nav3_col2EDU" class="" style="left:;"><a href="/investor-education/understanding-stocks">Stocks</a></li><li id="nav5_col2EDU" class="" style="left:;"><a href="/investor-education/understanding-mutual-funds">Mutual Funds</a></li><li id="nav4_col2EDU" class="" style="left:;"><a href="/investor-education/understanding-etfs">ETFs</a></li><li id="nav6_col2EDU" class="" style="left:;"><a href="/investor-education/understanding-bonds">Fixed Income & Bonds</a></li><li id="nav2_col2EDU" class="" style="left:;"><a href="/investor-education/options-education">Options</a></li></ul></div></div><div id="l2IE_CMS" class="fl cms mn-col4" style="left:;"><div class="wrap" style="padding-bottom:162px;"> <div class="heading">Help When You Want It</div> <div class="fsa-notincontext"> <div> <div class="pt-5 pb-10 pl-25 pr-25">  <div class="ifaNo"> <div class="mega-flex mb-20"> <div class="mega-image"><img src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-phone-call-scalable.png" alt="" style="width:24px; height:auto;" /></div> <div class="mega-text"> <p class="txt-14 mb-5">Available 24/7</p> <p class="txt-12 bold mb-0"><a name="phoneEd" id="phoneEd" href="tel:888.637.3343">888.637.3343</a></p> </div> </div> <div class="mega-flex mb-20"> <div class="mega-image"><img src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-location-fsa-scalable.png" alt="" style="width:18px; height:auto;" /></div> <div class="mega-text"> <p class="txt-14 mb-5">Guidance near you</p> <p class="txt-12 bold mb-0"><a name="apptEd" id="apptEd" target="_blank" href="https://secure.bankofamerica.com/secure-mycommunications/public/appointments/?marketingCode=MESCHDCNSLT_ECBBA_A3000">Schedule an appointment</a></p> </div> </div> <div class="mega-flex"> <div class="mega-image"><img src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-award-ribbon-scalable.png" alt="" style="width:24px; height:auto;" /></div> <div class="mega-text"> <p class="txt-14 mb-5">Investing Solutions</p> <p class="txt-12 bold mb-0"><a name="infoEd" id="infoEd" class="lead-16" href="/why-merrill ">Explore the advantages<br /> of investing with Merrill</a></p> </div> </div> </div>  <div class="ifaYes hide"> <div class="mega-flex ifa"> <div class="mega-image ifa"><img src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-email-scalable.png" alt="" style="width:30px; height:auto;" /></div> <div class="mega-text"> <p class="bold txt-s txt-gray2 txt-12 mt-5 mb-0 lead-125pc">To find the small business<br /> retirement plan that works<br /> for you, contact:</p> </div> </div> </div> </div> </div> <div class="pt-5 pl-25 pr-25 pb-20">  <a class="ifaYes hide" target="_blank" rel="noopener noreferrer" href="mailto:franchise@bankofamerica.com?subject=Re%3A%20IFA%20franchise%20retirement%20solutions&body=Thank%20you%20for%20your%20interest%20in%20learning%20more%20about%20Bank%20of%20America%20Merrill%20Lynch%20retirement%20solutions%20for%20your%20franchise.%20We%20can%20help%20you%20choose%20a%20plan%20that%E2%80%99s%20right%20for%20you%20and%20your%20employees.%0D%0A%0D%0ATo%20better%20serve%20you%2C%20please%20provide%20the%20following%20required%20information%20so%20we%20can%20contact%20you%3A%0D%0A%0D%0ABusiness%20owner%E2%80%99s%20full%20name%3A%0D%0A%0D%0AName%20of%20the%20business%3A%0D%0A%0D%0APhone%20number%3A%0D%0A%0D%0AZip%20code%3A%0D%0A%0D%0ADo%20you%20currently%20have%20a%20retirement%20plan%20for%20your%20business%3F%0D%0A%0D%0A%0D%0ABy%20responding%20to%20this%20email%20you%20are%20consenting%20to%20being%20contacted%20by%20Bank%20of%20America%20Merrill%20Lynch%20retirement%20solutions%20advisor(s)%20to%20discuss%20your%20retirement%20needs%20at%20the%20phone%20number%20and%2For%20e-mail%20address%20you%20provided%20above%20regardless%20of%20any%20previously%20made%20privacy%20or%20contact%20preferences.%20Please%20note%20this%20consent%20will%20remain%20in%20effect%20for%2090%20days%3B%20unless%20you%20revoke%20your%20consent%20prior%20to%20this%20date.">franchise@bankofamerica.com</a><br />  </div> </div> <div class="fsa-incontext mt-15 pt-15 pr-20 pb-20 pl-25"> <div class="mb-15" style="display:flex;"> <span class="fsa-photo fsa-placement"></span> <div style="display:flex; flex-direction:column; justify-content:center;"> <p class="bold mb-5 w-145"><a class="fsa-website" href="" target="_self"><span class="fsa-firstname"></span> <span class="fsa-lastname"></span></a></p> <p class="fsa-functionaltitle mt-0 mb-10"></p> <p class="fsa-phone bold mt-0 mb-0"></p> <p class="fsa-extension bold mt-0 mb-0"></p> </div> </div> <div><a class="fsa-scheduleappointment cta orange mb-10" href="" target="_self"><span>Schedule an appointment</span></a></div> <p class="mt-0 mb-0 lead-14">Learn more about an advisor's<br /> background on <a onclick="javascript:OnlineCommonJSFunctions.LoadModalPopupByUrl('/broker-check-modal',null,500,650,null,null,'modal2',true,'pageMask2');return false;" href="javascript:void(0);">FINRA's BrokerCheck</a></p> </div> </div> <style> .mega-flex { align-items:center; display:flex; gap:12px; } .mega-flex.ifa { gap:10px; } .mega-image { align-items:center; display:flex; flex-direction:column; flex-shrink:0; justify-content:flex-end; text-align:center; width:24px; } .mega-image.ifa { width:30px; } .fsa-placement { background-position:center center; background-repeat:no-repeat; background-size:100% auto; display: block; height:65px; margin-right:6px; width:50px; } .fsa-incontext a.cta.orange { background:#0052c2; border-color:#0052c2; } .fsa-incontext a:hover.cta.orange { background:#0073cf; border-color:#0073cf; } </style></div></div><div id="l2OAA" class="mega-nav" style="left:;"><div id="OAA_CMS" class="fl cms mn-col1" style="left:;"><div class="wrap" style="padding-bottom:160px;"> <div class="heading">Help When You Want It</div> <div class="fsa-notincontext"> <div> <div class="pt-5 pb-10 pl-25 pr-25">  <div class="ifaNo"> <div class="mega-flex mb-20"> <div class="mega-image"><img src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-phone-call-scalable.png" alt="" style="width:24px; height:auto;" /></div> <div class="mega-text"> <p class="txt-14 mb-5">Available 24/7</p> <p class="txt-12 bold mb-0"><a name="phoneOAO" id="phoneOAO" href="tel:888.637.3343">888.637.3343</a></p> </div> </div> <div class="mega-flex"> <div class="mega-image"><img src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-location-fsa-scalable.png" alt="" style="width:18px; height:auto;" /></div> <div class="mega-text"> <p class="txt-14 mb-5">Guidance near you</p> <p class="txt-12 bold mb-0"><a name="apptOAO" id="apptOAO" target="_blank" href="https://secure.bankofamerica.com/secure-mycommunications/public/appointments/?marketingCode=MESCHDCNSLT_ECBBA_A3000">Schedule an appointment</a></p> </div> </div> </div>  <div class="ifaYes hide"> <div class="mega-flex ifa"> <div class="mega-image ifa"><img src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-email-scalable.png" alt="" style="width:30px; height:auto;" /></div> <div class="mega-text"> <p class="bold txt-s txt-gray2 txt-12 mt-5 mb-0 lead-125pc">To find the small business<br /> retirement plan that works<br /> for you, contact:</p> </div> </div> </div> </div> </div> <div class="pt-5 pl-25 pr-25 pb-35">  <a class="ifaYes hide" target="_blank" rel="noopener noreferrer" href="mailto:franchise@bankofamerica.com?subject=Re%3A%20IFA%20franchise%20retirement%20solutions&body=Thank%20you%20for%20your%20interest%20in%20learning%20more%20about%20Bank%20of%20America%20Merrill%20Lynch%20retirement%20solutions%20for%20your%20franchise.%20We%20can%20help%20you%20choose%20a%20plan%20that%E2%80%99s%20right%20for%20you%20and%20your%20employees.%0D%0A%0D%0ATo%20better%20serve%20you%2C%20please%20provide%20the%20following%20required%20information%20so%20we%20can%20contact%20you%3A%0D%0A%0D%0ABusiness%20owner%E2%80%99s%20full%20name%3A%0D%0A%0D%0AName%20of%20the%20business%3A%0D%0A%0D%0APhone%20number%3A%0D%0A%0D%0AZip%20code%3A%0D%0A%0D%0ADo%20you%20currently%20have%20a%20retirement%20plan%20for%20your%20business%3F%0D%0A%0D%0A%0D%0ABy%20responding%20to%20this%20email%20you%20are%20consenting%20to%20being%20contacted%20by%20Bank%20of%20America%20Merrill%20Lynch%20retirement%20solutions%20advisor(s)%20to%20discuss%20your%20retirement%20needs%20at%20the%20phone%20number%20and%2For%20e-mail%20address%20you%20provided%20above%20regardless%20of%20any%20previously%20made%20privacy%20or%20contact%20preferences.%20Please%20note%20this%20consent%20will%20remain%20in%20effect%20for%2090%20days%3B%20unless%20you%20revoke%20your%20consent%20prior%20to%20this%20date.">franchise@bankofamerica.com</a><br />  </div> </div> <div class="fsa-incontext mt-15 pt-15 pr-20 pb-20 pl-25"> <div class="mb-15" style="display:flex;"> <span class="fsa-photo fsa-placement"></span> <div style="display:flex; flex-direction:column; justify-content:center;"> <p class="bold mb-5 w-145"><a class="fsa-website" href="" target="_self"><span class="fsa-firstname"></span> <span class="fsa-lastname"></span></a></p> <p class="fsa-functionaltitle mt-0 mb-10"></p> <p class="fsa-phone bold mt-0 mb-0"></p> <p class="fsa-extension bold mt-0 mb-0"></p> </div> </div> <div><a class="fsa-scheduleappointment cta orange mb-10" href="" target="_self"><span>Schedule an appointment</span></a></div> <p class="mt-0 mb-0 lead-14">Learn more about an advisor's<br /> background on <a onclick="javascript:OnlineCommonJSFunctions.LoadModalPopupByUrl('/broker-check-modal',null,500,650,null,null,'modal2',true,'pageMask2');return false;" href="javascript:void(0);">FINRA's BrokerCheck</a></p> </div> </div> <style> .mega-flex { align-items:center; display:flex; gap:12px; } .mega-flex.ifa { gap:10px; } .mega-image { align-items:center; display:flex; flex-direction:column; flex-shrink:0; justify-content:flex-end; text-align:center; width:24px; } .mega-image.ifa { width:30px; } .fsa-placement { background-position:center center; background-repeat:no-repeat; background-size:100% auto; display: block; height:65px; margin-right:6px; width:50px; } .fsa-incontext a.cta.orange { background:#0052c2; border-color:#0052c2; } .fsa-incontext a:hover.cta.orange { background:#0073cf; border-color:#0073cf; } </style></div><div id="OAAcol1" class="fl nav mn-col2" style="left:;"><div id="col1OAAWrap" class="wrap" style="left:;"><div id="headCol1OAA" class="heading" style="left:;">General Investing</div><ul id="col1OAA" class="nl-a" style="left:;"><li id="nav1_col1OAA" class="" style="left:;"><a href="/global-oao">Account Options</a></li><li id="nav2_col1OAA" class="" style="left:;"><a href="https://olui2.fs.ml.com/OAO1/BeforeYouBeginA.aspx?accounttype=IndividualCMA&_tps=2BBAA0F4-C6A8-4B73-91AA-7359FAE8EB1A">Individual Investing Account</a></li><li id="nav3_col1OAA" class="" style="left:;"><a href="https://olui2.fs.ml.com/OAO1/BeforeYouBeginA.aspx?accounttype=JointCMA&_tps=2BBAA0F4-C6A8-4B73-91AA-7359FAE8EB1A">Joint Investing Account</a></li><li id="nav4_col1OAA" class="" style="left:;"><a href="https://olui2.fs.ml.com/OAO1/BeforeYouBeginA.aspx?accounttype=CustodialCMA&_tps=2BBAA0F4-C6A8-4B73-91AA-7359FAE8EB1A">Custodial Investing Account</a></li></ul><div id="headSubCol1OAA" class="heading mt-30" style="left:;">Retirement Accounts</div><ul id="subcol1OAA" class="nl-a" style="left:;"><li id="nav1_subcol1OAA" class="" style="left:;"><a href="/global-oao?src_cd=internal&oaochannel=edge_public&oaosource=global_nav_acct_sel&oaounit=rollover_link&oaocampaign=baseline&oaoterm=rollover_baseline">Rollover</a></li><li id="nav2_subcol1OAA" class="" style="left:;"><a href="https://olui2.fs.ml.com/OAO1/BeforeYouBeginA.aspx?accounttype=TraditionalIRA&_tps=2BBAA0F4-C6A8-4B73-91AA-7359FAE8EB1A">Traditional IRA</a></li><li id="nav3_subcol1OAA" class="" style="left:;"><a href="https://olui2.fs.ml.com/OAO1/BeforeYouBeginA.aspx?accounttype=RothIRA&_tps=2BBAA0F4-C6A8-4B73-91AA-7359FAE8EB1A">Roth IRA</a></li></ul><div id="headSubCol4OAA" class="heading mt-30" style="left:;">Inherited IRA</div><ul id="subcol4OAA" class="nl-a" style="left:;"><li id="nav1_subcol4OAA" class="" style="left:;"><a href="https://olui2.fs.ml.com/OAO1/RoleSelection.aspx?AccountType=TraditionalIRA">Traditional Inherited IRA</a></li><li id="nav2_subcol4OAA" class="" style="left:;"><a href="https://olui2.fs.ml.com/OAO1/RoleSelection.aspx?AccountType=RothIRA">Roth Inherited IRA</a></li></ul></div></div><div id="OAAcol2" class="fl nav mn-col3" style="left:;"><div id="col2OAAWrap" class="wrap" style="left:;"><div id="headCol2OAA" class="heading" style="left:;">College Planning Accounts</div><ul id="col2OAA" class="nl-a" style="left:;"><li id="nav1_col2OAA" class="" style="left:;"><a href="https://olui2.fs.ml.com/OAO1/SubAccountTypeA.aspx?_tps=76a2df6657eb4727924724805b48aaa0">529 College Savings Plans</a></li><li id="nav2_col2OAA" class="" style="left:;"><a href="https://olui2.fs.ml.com/OAO1/BeforeYouBeginA.aspx?accounttype=CustodialCMA&_tps=76a2df6657eb4727924724805b48aaa0">Custodial UGMA/UTMA Accounts</a></li></ul><div id="headSubCol2OAA" class="heading mt-30" style="left:;">Managed Portfolios</div><ul id="Subcol2OAA" class="nl-a" style="left:;"><li id="nav1_Subcol2OAA" class="" style="left:;"><a href="/guided-investing">Merrill Guided Investing</a></li><li id="nav2_Subcol2OAA" class="" style="left:;"><a href="/guided-investing">Invest with an Advisor</a></li></ul></div></div><div id="OAAcol3" class="fl nav mn-col4" style="left:;"><div id="col3OAAWrap" class="wrap" style="left:;"><div id="headSubCol3OAA" class="heading" style="left:;">Small Business Accounts</div><ul id="colSub3OAA" class="nl-a" style="left:;"><li id="nav1_Subcol3OAA" class="" style="left:;"><a href="javascript:OnlineCommonJSFunctions.LoadModalPopupByUrl('/401k-customize',null,150,525,null,null,'modal2',true,'pageMask2');">Small Business 401(k)</a></li><li id="nav2_Subcol3OAA" class="" style="left:;"><a href="javascript:OnlineCommonJSFunctions.LoadModalPopupByUrl('/401k-customize',null,150,525,null,null,'modal2',true,'pageMask2');">Individual 401(k)</a></li><li id="nav3_Subcol3OAA" class="" style="left:;"><a href="https://olui2.fs.ml.com/OAO1/BeforeYouBeginA.aspx?accounttype=SEPIRA">SEP IRA</a></li><li id="nav4_Subcol3OAA" class="" style="left:;"><a href="https://olui2.fs.ml.com/OAO1/BeforeYouBeginA.aspx?accounttype=SimpleIRA">SIMPLE IRA</a></li><li id="nav5_Subcol3OAA" class="" style="left:;"><a href="https://olui2.fs.ml.com/Publish/Content/application/pdf/GWMOL/BIAAccountApplicationandAgreement.pdf">Business Investor Account</a></li></ul><div id="headCol3OAA" class="heading mt-30" style="left:;">Simple Flat-Rate Pricing</div><ul id="col3OAA" class="nl-a" style="left:;"><li id="nav1_col3OAA" class="" style="left:;"><a href="/pricing">lnvesting Costs & Fees</a></li></ul></div></div></div></div> </div> <div id="dvClearHeader">  </div> <div id="contentArea" > <div class="site-stage"> <input name="ctl00$ctl00$siteContent$MainContent$PageNameField" type="hidden" id="ctl00_ctl00_siteContent_MainContent_PageNameField" value="start-investing" /><div id="pageTitle" class="pageTitle" xmlns:xhtml="http://www.w3.org/1999/xhtml"><div id="ctl00_ctl00_siteContent_MainContent_pageTitle"><H1>New to Investing</H1></div></div><script xsi:type="text/javascript" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xhtml="http://www.w3.org/1999/xhtml"> try{ var div = ($get('pageTitle')) ? 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box-sizing:border-box; display:block; color:#646464; margin:0 0 1px 0; max-width:586px; padding:35px 25px 30px 25px; width:100%; } .expModImg { display:none; } .expMod h3 { color:#646464; font-size:20px; font-weight: 600; padding:0 0 10px 0; } .modText { font-size:16px; line-height:1.5; } .expMod:hover, .expMod.selected { background: #fff; box-shadow:0 2px 20px 0 rgba(0,0,0,0.12), 0 2px 5px 0 rgba(0,0,0,0.20); border-radius:12px; color:#333; cursor: pointer; text-decoration:none; } .expMod:hover h3, .expMod.selected h3 { color:#012169; } .expFlex .transcript { display:flex; font-size:16px; gap:25px; text-align:left; margin:5px 5px 0 5px; } .expFlex .transcript.inner { justify-content:flex-end; } a#videoLink { background-image: url(/Publish/Content/image/svg/GWMOL/ME-play-triangle-black.svg); background-position:left center; background-repeat:no-repeat; color:#646464; display:inline-block; padding:0 0 0 20px; } .expMod:hover a#videoLink, .expMod.selected a#videoLink { color:#333; } .videoShell.impactBCdesk { margin:0 auto; max-width:600px; width:100%; } .startShell { padding:150px 0; text-align:center; } .wrapper-2 .startShell h2 { font-size:36px; padding:0 0 25px 0; } .startNum { color:#E31837; font-size:58px; font-weight:300; line-height:1; margin:0 0 15px 0; } .wrapper-2 .startShell h3 { color:#333; font-weight:500; font-size:20px; margin:0 0 15px 0; } .startText { color:#333; font-size:16px; line-height:1.5; margin:0 auto; max-width:215px; } .startShell .cta.orange.l { box-sizing:border-box; font-size:18px; height:50px; line-height:50px; margin:0 0 60px 0; width:224px; } .startHelpFlex { display:flex; justify-content:space-between; margin:0 auto; max-width:450px; } .startHelpFlex > div { background-repeat:no-repeat; background-position:center top; background-size:35px auto; padding:45px 0 0 0; } .startHelpCall { background-image: url(/Publish/Content/image/png/GWMOL/ME-icon-rebrand-phone-call-scalable.png); } .startHelpMeet { background-image: url(/Publish/Content/image/png/GWMOL/ME-icon-rebrand-calendar-scalable.png); } .startHelpFlex h4 { color:#000; font-size:20px; font-weight:inherit; margin:0 0 5px 0; } .startHelpText { font-size:16px; font-weight:bold; } #etdisclosure { display: block; font-size: 14px; color: #646464; padding: 95px 0 30px 0; } #etfooter { display: none; } .dtable { border: 0 none; margin: 10px 0 0 0; padding: 0; table-layout: auto; width: 100%; } .dtable tbody td { border: 1px solid #524940; padding: 10px 5px; font-size: 13px; font-weight: bold; text-align: center; vertical-align: middle; width: 33%; } @media only screen and (max-width: 1325px) {/* viewport up to 1325px */ .wrapper-3 { padding:0 40px; } .wrapper-2 .boxMod h3 { font-size:24px; } .goalsText { padding:0; } .expFlex { padding:0 40px 0 0; } } @media only screen and (max-width: 1280px) {/* viewport up to 1280px */ .gsBanner { background-position:right -192px top 0; } } @media only screen and (max-width: 1160px) {/* viewport up to 1160px */ .gsBanner { background-position:right -280px top 0; } .riskMod.rf4 { padding:0 25px 45px 25px; } } @media only screen and (max-width: 1024px) {/* viewport up to 1024px */ #TMoseSiteheader { display: none; } #ctl00_ctl00_siteContent_navHeader { display: none; } .wrapper-3 { padding:0 20px; } .wrapper-2 h2 { font-size:32px; } .wrapper-2 h2.fortyFour { font-size:40px; } .gsBannerText { max-width:390px; } .boxGrid { grid-template-columns: repeat(2, 1fr); max-width:612px; } .videoOuter { padding:65px 0; } .videoText { order:-1; padding:0; } .video2 .videoText { margin:0; } .videoText h3 { font-size:20px; font-weight:600; } .videoFlex.video4 { margin:0; } .videoIntro { padding:0 0 95px 0; } .videoFlex { flex-direction:column; gap:45px 0; } .videoContent, .videoText { margin:0 auto; max-width:500px; width:100%; } .mgiFaqs { padding:64px 0; } .mgiFaqs .acd-a-open, .mgiFaqs .acd-a-close { background-position: right 32px top 32px; background-size:16px auto; padding: 28px 24px; } .mgiFaqs .acd-a .acd-a-content { padding:25px 0 20px 0; } #content-4 .faqImage.desk { display:none; } #content-4 .faqImage.mobile { display:block; } .riskMod { padding:5px 12px 30px 12px; } .riskMod.rf4 { padding:0 12px 55px 12px; } .goalsFlex { flex-direction:column; gap:45px; padding:64px 0; } .goalsText, .goalsList { max-width:612px; width:auto; } ul.whyList li { background-position:left 19px; } .tabsMenu { gap:24px; padding:0 0 7px 0; } .tabsMenu a.selected::after { bottom:-9px; } .tabsMenu a { font-size:14px; } #carousel2 h2.tabh2 { padding:0; } #carousel2 h2.tabh2 span { white-space:normal; } #carousel2 h2.tabh2 { padding:0 0 60px 0; } .expFlex { flex-direction:column; padding:0 20px; } .expImage { display:none; } .expModImg { display:flex; justify-content:center; } .mod4 .expModImg { padding:0 0 30px 0; } .expText { padding:0; width:100%; } .expMod { margin:0 auto; padding:30px 25px; } .expFlex img { margin:0 0 10px 0; } .expImg.img4 { padding:0; } .startShell { padding:60px 0; } .whyShell { 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text-align:left; } #content-2 .faqTitle { padding:0 0 5px 0; } .faqDate { font-size:12px; padding:0 0 20px 0; } } @media only screen and (max-width: 480px) {/* viewport up to 480px */ .wrapper-2 .expShell h2 { max-width:290px; } .mgiF1 h2 { margin:0 auto; max-width:250px; } .wrapper-2 h2.twentyEight { font-size:28px; } .startShell .cta.orange.l { margin:0 0 65px 0; } .startHelpFlex > div { padding:45px 0 0 0; } .startHelpFlex { display:block; } .startHelpCall { margin:0 0 45px 0; } .startHelpFlex h4 { margin:0 0 7px 0; } } @media only screen and (max-width: 414px) {/* viewport up to 414px */ .wrapper-2 h2.small { font-size:20px; font-weight:600; } .gsBanner { background-image: url(/Publish/Content/image/jpeg/GWMOL/ME-start-investing-banner-bg-mobile.jpeg); background-position:right top; height:335px; } .gsBanner h1 { padding:0 0 15px 0; } .wrapper-2 .gsBanner h2 { font-size:8.6vw; } .wrapper-2 .gsBanner h2, .gsBannerText { max-width:100%; } .mgiF1 .faqBlurb { max-width:350px; padding: 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.wrapper-2 .mgiFaqs h3 a, .mgiFaqs .acd-a .acd-a-content { font-size:14px; } .goalsText, ul.whyList li { font-size:14px; } ul.whyList li { background-position:left 15px; } } @media only screen and (max-width: 360px) {/* viewport up to 360px */ .wrapper-2 .boxMod h3 { font-size:14px; } .riskMod { padding:24px; } .riskMod.rf1 { padding:2px 24px 24px 24px; } .expFlex .transcript { font-size:14px; } } @media only screen and (max-width: 320px) {/* viewport up to 320px */ .wrapper-2 .boxMod h3 { font-size:14px; } } </style> <script> $GE.JQ(function() { // Saving vs. investing tabs $('a.sviButton').click(function () { var buttonID = ($(this).attr('id')); var contentID = buttonID.slice(0, -6); console.log(buttonID); console.log(contentID); $(this).addClass('selected'); $('a.sviButton').not(this).removeClass('selected'); $('a.sviButton').find('.coda').html(''); $(this).find('.coda').html(' selected'); $('.sviContent').not(contentID).addClass('hide').removeClass('show'); $('.sviContent.' + contentID).addClass('show').removeClass('hide'); if ($('#svi1Button').hasClass('selected')) { $(this).parent().addClass('svi1').removeClass('svi2'); } else { $(this).parent().addClass('svi2').removeClass('svi1'); } }); // Transcript 1 ==================================================== $("a#transcriptLink1a").click(function () { $(".transcriptContent.TC1").toggle("slow"); $("#transcriptLink1a").toggleClass("show-hide-close"); if ($("#transcriptLink1a").hasClass("show-hide-close")) { $("#transcriptLink1a").attr("aria-expanded", "true"); $("#transcriptLink1a").html("<span class='plusMinus'>[-]</span> Close transcript"); } else { $("#transcriptLink1a").attr("aria-expanded", "false"); $("#transcriptLink1a").html("<span class='plusMinus'>[+]</span> View transcript"); } }); $("a#transcriptLink1b").click(function () { $(".transcriptContent.TC1").toggle("slow"); $("#transcriptLink1a").removeClass("show-hide-close"); $("#transcriptLink1a").attr("aria-expanded", "false"); $("#transcriptLink1a").html("<span class='plusMinus'>[+]</span> View transcript"); }); // Transcript 2 ==================================================== $("a#transcriptLink2a").click(function () { $(".transcriptContent.TC2").toggle("slow"); $("#transcriptLink2a").toggleClass("show-hide-close"); if ($("#transcriptLink2a").hasClass("show-hide-close")) { $("#transcriptLink2a").attr("aria-expanded", "true"); $("#transcriptLink2a").html("<span class='plusMinus'>[-]</span> Close transcript"); } else { $("#transcriptLink2a").attr("aria-expanded", "false"); $("#transcriptLink2a").html("<span class='plusMinus'>[+]</span> View transcript"); } }); $("a#transcriptLink2b").click(function () { $(".transcriptContent.TC2").toggle("slow"); $("#transcriptLink2a").removeClass("show-hide-close"); $("#transcriptLink2a").attr("aria-expanded", "false"); $("#transcriptLink2a").html("<span class='plusMinus'>[+]</span> View transcript"); }); // Transcript 3 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$(this).find(".acd-a-content").attr("aria-hidden", "true"); } }); $(".acd-a-content a").click(function (e) { e.stopPropagation(); }); // Show/hide experience screens $('.mod1').click(function () { $(this).addClass('selected'); $('.expMod').not(this).removeClass('selected'); $('.expImg.img1').addClass('show').removeClass('hide'); $('.expImg').not('.img1').addClass('hide').removeClass('show'); $('.expShell').removeClass('short'); }); $('.mod2').click(function () { $(this).addClass('selected'); $('.expMod').not(this).removeClass('selected'); $('.expImg.img2').addClass('show').removeClass('hide'); $('.expImg').not('.img2').addClass('hide').removeClass('show'); $('.expShell').addClass('short'); }); $('.mod3').click(function () { $(this).addClass('selected'); $('.expMod').not(this).removeClass('selected'); $('.expImg.img3').addClass('show').removeClass('hide'); $('.expImg').not('.img3').addClass('hide').removeClass('show'); $('.expShell').removeClass('short'); }); $('.mod4').click(function 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$("#topmenu").click(function () { if ($('#toc ul.level1 > li a.linkL1').hasClass("opened")) { $('#toc ul.level1 > li a.linkL1').addClass('closed').removeClass('opened'); $('#toc ul.level1 > li a.linkL1').next('ul.level2').css("display", "none"); $('#toc ul.level1 > li a.linkL1').attr("aria-expanded", "false"); $('#toc ul.level1 > li a.linkL1').next('ul.level2').attr("aria-hidden", "true"); $('#toc ul.level1 > li > ul.level2 > li a.linkL2').addClass('closed').removeClass('opened'); $('#toc ul.level1 > li > ul.level2 > li a.linkL2').next('ul.level3').css("display", "none"); $('#toc ul.level1 > li a.linkL2').attr("aria-expanded", "false"); $('#toc ul.level1 > li a.linkL2').next('ul.level3').attr("aria-hidden", "true"); } $("#toc").toggle("slow"); $(this).find("a").toggleClass("burger-close"); if ($(this).find("a").hasClass("burger-close")) { $(this).find("a").html("<span class='adahidden'>Close Menu bar</span>"); } else { $(this).find("a").html("<span class='adahidden'>Open Menu bar</span>"); } }); // Nested burger menu scripts $('#toc li a.closed, #toc li a.opened').click(function(){ $(this).toggleClass('opened closed'); $(this).next().slideToggle('normal'); if ($(this).hasClass('linkL1') && $(this).hasClass('closed')) { if ($(this).closest('ul').find('a.linkL2').hasClass('opened')) { $(this).closest('ul').find('a.linkL2').addClass('closed').removeClass('opened'); $(this).closest('ul').find('a.linkL2').next().css("display", "none"); $(this).closest('ul').find('a.linkL2').attr("aria-expanded", "false"); $(this).closest('ul').find('a.linkL2').next().attr("aria-hidden", "true"); } } if ($(this).hasClass('opened')) { $(this).attr("aria-expanded", "true"); $(this).next().attr("aria-hidden", "false"); } else { $(this).attr("aria-expanded", "false"); $(this).next().attr("aria-hidden", "true"); } }); // Scripts to prepend correct environments to login link var str1 = "merrilledgesit1.com"; var str2 = "merrilledgesit2.com"; var str3 = "merrilledge.fsqa.ml.com"; var str4 = "merrilledge.com"; var urlQ = (window.location.host).toLowerCase(); var myurl = "https://olui2.fs.ml.com"; if (urlQ.indexOf(str1) >= 0) { myurl = "https://olui2.fssit1.ml.com"; } else if (urlQ.indexOf(str2) >= 0) { myurl = "https://olui2.fssit2.ml.com"; } else if (urlQ.indexOf(str3) >= 0) { myurl = "https://olui2.fsqa.ml.com"; } $('a#SignIn_header').attr('href', function(i, href) { return myurl + href; }); }); /* $GE.JQ(function() { var is_mobile = false; if( $('#etheader').css('display')!=='none') { is_mobile = true; console.log("Mobile View :: " + is_mobile); } }); */ </script> <div id="etheader"> <div class="menuShell txt-brand"> <div id="mobile-logo"> <div class="site-logo" data-widget="Site Logo"> <a name="mobileHeaderLogo" id="mobileHeaderLogo" href="/" class="site-logo__img"> <span class="ada-hidden">Merrill A Bank of America Company</span> </a> <span class="site-logo__print"> <span class="ada-hidden">Merrill A Bank of America Company</span> </span> </div> </div> <div id="mobile-oao-link"> <a name="mobileHeaderOAO" id="mobileHeaderOAO" href="/global-oao">Open an account</a> </div> <div id="mobile-sign-in"> <a name="SignIn_header" id="SignIn_header" class="mobile-sign-in" href="/login/login.aspx?sgt=3&sitesrc=mobile&_tps=963edc82b68641a49fbca77fd58b2d9b">Login</a> </div> <div id="topmenu"> <a name="Menu_header" id="Menu_header" class="burger-open txt-brand-m" href="#"><span class='adahidden'>Open Menu bar</span></a> </div> </div> </div> <div class="spaced"> </div> <div id="toc"> <ul class="mobileNav level1"> <li><a href="javascript:void(0);" class="linkL1 closed" aria-controls="content-1" aria-expanded="false" id="accordion-control-1">Why Merrill</a> <ul class="level2" aria-hidden="true" id="content-1"> <li><a name="NavWhyMerrill" id="NavWhyMerrill" href="/why-merrill">Overview</a></li> <li><a href="javascript:void(0);" class="linkL2 closed" aria-controls="content-1a" aria-expanded="false" id="accordion-control-1a">How Are We Different?</a> <ul class="level3" aria-hidden="true" id="content-1a"> <li><a name="NavPricing" id="NavPricing" href="/pricing">Pricing & Fees</a></li> <li><a name="NavPR" id="NavPR" href="/preferred-rewards">BofA Preferred Rewards</a></li> <li><a name="NavInsights" id="NavInsights" href="/research/perspectives">Insights</a></li> <li><a name="NavBBI" id="NavBBI" href="/why-merrill/banking-and-investing-connected">Investing & Banking Connected</a></li> <li><a name="NavMobile" id="NavMobile" href="/mobile-investing">Mobile Investing</a></li> <li><a name="NavESG" id="NavESG" href="/sustainable-investing">Sustainable Investing</a></li> <li><a name="NavAwards" id="NavAwards" class="noborder" href="/why-merrill/awards-ratings">Awards & Accolades</a></li> </ul> </li> </ul> </li> <li><a href="javascript:void(0);" class="linkL1 closed" aria-controls="content-2" aria-expanded="false" id="accordion-control-2">Invest</a> <ul class="level2" aria-hidden="true" id="content-2"> <li><a name="NavInvesting" id="NavInvesting" href="/investing">Overview</a></li> <li><a href="javascript:void(0);" class="linkL2 closed" aria-controls="content-2a" aria-expanded="false" id="accordion-control-2a">Ways to Manage Accounts</a> <ul class="level3" aria-hidden="true" id="content-2a"> <li><a name="NavMESD" id="NavMESD" href="/investing/merrill-self-directed-trading">Merrill Edge<sup>®</sup> Self-Directed</a></li> <li><a name="NavMGI" id="NNavMGI" href="/investing/merrill-guided-investing">Merrill Guided Investing</a></li> <li><a name="NavMEAC" id="NavMEAC" href="/investing/merrill-investment-advisor">Investing with an Advisor</a></li> <li><a name="NavWays" id="NavWays" href="/investing/ways-to-manage-investments">Compare all</a></li> </ul> </li> <li><a href="javascript:void(0);" class="linkL2 closed" aria-controls="content-2b" aria-expanded="false" id="accordion-control-2b">Investment Accounts</a> <ul class="level3" aria-hidden="true" id="content-2b"> <li><a name="NavBrokerage" id="NavBrokerage" 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find the small business retirement plan that works for you, contact:</span> franchise@bankofamerica.com</a></div> </div> </ul> </li> </ul> <div class="ctaNav"><a name="navOAO" id="navOAO" class="cta orange m" href="/global-oao"><span>Open an account<span class="adahidden"> with Merrill</span></span></a></div> </div> <script type="text/javascript"> // Script to create IFA tactic experience Sys.Application.add_init(function () { if (typeof __ETAttr.tactic_id !== 'undefined' && __ETAttr.tactic_id !== null) { var pageTactic = __ETAttr.tactic_id.toUpperCase(); if (pageTactic == 'IFA') { // Show/hide content according to tactic if ($('.ifaNo').length) { $('.ifaNo').css('display', 'none'); } if ($('.ifaYes').length) { $('.ifaYes').css('display', 'block'); } } } }); </script>   <div class="wrapper-2">   <div class="gsBanner"> <div class="wrapper-3 twentyFour"> <h1 class="txt-brand-b">Getting Started</h1> <h2 class="txt-brand fortyFour">Invest in <span class="nowrap">your future</span></h2> <div class="gsBannerText">Investing can help you pursue your goals. Learn how to get started and discover all the resources available at Merrill.</div> </div> </div>  <div class="boxGrid wrapper-3 txt-brand"> <div class="boxMod boxMod1"> <h3>Why invest?</h3> </div> <div class="boxMod boxMod2"> <h3>What should I know before investing?</h3> </div> <div class="boxMod boxMod3"> <h3>What could I <span class="nowrap">invest in?</span></h3> </div> <div class="boxMod boxMod4"> <h3>Why Merrill?</h3> </div> </div>  <div class="whyShell"> <div class="wrapper-3 twentyFour"> <h2 class="txt-brand fortyFour">Why invest?</h2> <div class="whyBlurb">See how investing compares to saving and learn the benefits of getting started early.</div> </div> </div>  <div class="videoOuter coolGrayBg-10-05" id="transcriptAnchor1"> <div class="wrapper-3 twentyFour videoFlex"> <div class="videoContent"> <div class="videoShell videoBC1"> <div id="kaltura_player_01" class="kaltura_player" entryId="1_iti6dyh7"></div> </div>  <div class="transcript"> <a aria-expanded="false" name="transcriptLink1a" id="transcriptLink1a" class="show-hide-open" href="javascript:void(0);"><span class='plusMinus'>[+]</span> View transcript</a> </div> <div class="transcriptContent TC1 hide txt-14 p-15 bg-white"> <h2 class="txt-c TrsH2">The Effect of Time on Your Investments</h2> <div class="mb-15">[Music in background throughout]</div> <div class="mb-15">[On Screen: Lauren Sanfilippo]</div> <div class="mb-15">Please read important Information at the end of this video. Recorded 11.02.2022</div> <div class="mb-15">Hi. Oh, am I going? Sorry .</div> <div class="mb-15">Hi, I'm Lauren Sanfilippo, Senior Investment Strategist with Bank of America's Chief Investment Office.</div> <div class="mb-15"><strong>[Text on Screen: LOWER 3rd]</strong><br /> <strong>Lauren Sanfilippo</strong><br /> Senior Investment Strategist, Chief Investment Office<br /> Merrill and Bank of America Private Bank</div> <div class="mb-15">A lot of people ask me, when's the best time to start investing? In my opinion, as soon as possible!</div> <div class="mb-15"><strong>[Text on Screen]</strong><br /> When Should I start investing? <br /> ASAP! </div> <div class="mb-15">Early in your career, when every paycheck feels stretched, it's easy to tell yourself: I'll invest in a few years when I'm earning more.</div> <div class="mb-15"><strong>[Text on Screen]</strong> "I'll Invest in a few years ..."</div> <div class="mb-15">But when you begin investing to help meet your goals for all the things you want to do later on—like buying a house, starting a family, educating your kids, or retiring to your dream location</div> <div class="mb-15"><strong>[Text on Screen]</strong><br /> Buying a house<br /> <strong>[Icon on Screen]</strong><br /> House<br /> <strong>[Text on Screen]</strong><br /> Starting a family<br /> <strong>[Icon on Screen]</strong><br /> Baby carriage </div> <div class="mb-15"><strong>[Text on Screen]</strong><br /> Educating your kids<br /> <strong>[Icon on Screen]</strong><br /> Graduation cap</div> <div class="mb-15"><strong>[Text on Screen]</strong><br /> Retiring to your dream location<br /> <strong>[Icon on Screen]</strong><br /> Location pointer</div> <div class="mb-15"><strong>[Text on Screen]</strong><br /> Start Early<br /> <strong>[Icon on Screen]</strong><br /> Clock winding </div> <div class="mb-15">—the most important thing you can do is to start early, even if you've only got a little to put away at first.<br /> It's all about the power of compounding.</div> <div class="mb-15"><strong>[Text on Screen]</strong><br /> It's all about the power of compounding. </div> <div class="mb-15">Compounding happens when your investments produce returns such as stock dividends or interest on bonds or money market funds, which you can then reinvest.</div> <div class="mb-15"><strong>[Text on Screen]</strong><br /> Investments<br /> Contribute <br /> Reinvest<br /> <strong>[Icon on Screen]</strong><br /> Big White bubble with word investments<br /> Red bubbles with word contribute flying into the white bubble <br /> Red bubbles with word Reinvest flying into the white bubble</div> <div class="mb-15">As you keep contributing and reinvesting—just like the snowball effect—momentum can really build.</div> <div class="mb-15">Let's take a look at how this can work over a lifetime of investing.</div> <div class="mb-15"><strong>[Graph on Screen]</strong><br /> What might happen if you invest $50 a month from ages 20 to 60, with a 7% annual return? Graph starts at "starting at 20 years old" and grows up past "After 20 years" and up to "after 40 years" Total contributions numbers rise as it moves up the chart; Total return rises as it moves up the chart.</div> <div class="mb-15">[Disclosure] This is a hypothetical example for illustration purposes only. Had a different growth rate been used in the example, the results would vary. No rate can be guaranteed.</div> <div class="mb-15">Let's say you're 20 years old and decide to invest $50 per month in a hypothetical investment with a 7% annual return.</div> <div class="mb-15"><strong>[Text and Graph on Screen]</strong><br /> Text: $50 per month from ages 20 to 60 <br /> Bar graph: <br /> White box with blue text $120K - Total Return<br /> Blue box with white text $24K - Contributions<br /> [Disclosure] This is a hypothetical example for illustration purposes only. Had a different growth rate been used in the example, the results would vary. No rate can be guaranteed. </div> <div class="mb-15">At first, there's not a huge difference between what you invest and what your total return looks like, but as the years go by, see how the lines diverge?</div> <div class="mb-15">By age 60, after 40 years of steady saving and reinvesting, your $24,000 of contributions could return nearly $120,000.</div> <div class="mb-15"><strong>[Graph on Screen]</strong><br /> $50 per month from ages 20-60 <br /> White box with blue text $120K<br /> Blue box with white text $24K</div> <div class="mb-15">[Disclosure] This is a hypothetical example for illustration purposes only. Had a different growth rate been used in the example, the results would vary. No rate can be guaranteed. </div> <div class="mb-15">Now let's look at the potential cost of waiting.</div> <div class="mb-15">Say you wait until you're 30, meaning you'll invest for 30 years instead of 40. Your income is higher, so you invest $100 each month instead of $50.</div> <div class="mb-15">Even though your contributions are higher, coming into a total of $36,000, your money has less time to grow, producing a return of a little over $113,000.</div> <div class="mb-15"><strong>[Graph on Screen]</strong><br /> $100 per month from ages 30-60 <br /> White box with blue text $113K<br /> Blue box with white text $36K</div> <div class="mb-15">Let's say you start at 40. By now, you can put in $200 per month, but your total contribution of $48,000 over 20 years gives you just a little over $98,000.</div> <div class="mb-15"><strong>[Graph on Screen]</strong><br /> $200 per month from ages 40-60 <br /> White box with blue text $98K<br /> Blue box with white text $48K</div> <div class="mb-15">In other words, you're contributing twice as much money as you would have by starting at 20 for a total return that's more than $20,000 lower.</div> <div class="mb-15">Now, of course, this example is hypothetical. All investing carries risks and fees. Unlike a bank account, an investment account is not FDIC-insured or bank guaranteed and may lose value.</div> <div class="mb-15"><strong>[Text on Screen]</strong><br /> All investing carries risks and fees<br /> Not FDIC-insured or bank guaranteed<br /> May lose value</div> <div class="mb-15">But if you step back and look at what happens over a lifetime of investing, markets historically have produced steady growth.</div> <div class="mb-15">That means, even factoring in the risks and uncertainties, starting early and investing steadily over time gives your money the potential to build and grow.</div> <div class="mb-15"><strong>[Text on Screen]</strong><br /> Starting early and investing steadily over time <br /> Gives your money the potential to build and grow<br /> <strong>[Icon on Screen]</strong><br /> Seeds into a planters pot, begins to grow into a tree</div> <div class="mb-15">So starting with that base and increasing your contributions as your pay goes up can give compounding even more momentum.</div> <div class="mb-15">So why not start now? Set aside a few extra dollars, give it some time, and get your investing off to a great start.</div> <div class="mb-15">Is that good? Yeah, this is just like my apartment. I don't even have a chair, I have a couch.</div> <div class="mb-15"><strong>[GRAPHIC END CARD]</strong><br /> Bank of America <br /> What Would you like the power to do? <br /> Merrill <br /> A Bank of America company </div> <div class="mb-15"><strong>[On screen disclosure]</strong></div>  <div class="mb-15 txt-11 txt-c"><strong>Disclosure:</strong></div> <div class="mb-10 txt-11">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.") .</div> <div class="mb-10 txt-11"><strong>Investing involves risk, including potential loss of principal.</strong></div>  <div class="mb-15">Investment products:</div> <table class="TBL"> <tr> <td>Are Not FDIC Insured</td> <td>Are Not Bank Guaranteed</td> <td>May Lose Value</td> </tr> </table> <div class="txt-10">© 2024 Bank of America Corporation. All rights reserved. 5471034-022023</div> <div class="transcript"> <a aria-expanded="true" name="transcriptLink1b" id="transcriptLink1b" class="transcriptAcc show-hide-close" href="#transcriptAnchor1"><span class='plusMinus'>[-]</span> Close transcript</a> </div> </div>  </div> <div class="videoText"> <h2 class="txt-brand small">Getting started early can help your money work harder</h2> <div class="videoBlurb">Time has the potential to benefit the growth of your investing accounts. See how starting early could impact your financial future.</div> </div> </div> </div>  <div class="wrapper-3"> <div class="mgiFaqs mgiF1"> <h2 class="txt-brand fortyFour txt-c">What should I know before investing?</h2> <div class="faqBlurb txt-c">Before you start investing, it may be helpful to understand some of the following concepts related to the market.</div> <div class="sg-unit"> <div class="acd-a"> <div class="acd-a-panels"> <div class="acd-a-cmd"> <a href="javascript:void(0);" class="jq_expColAll">Expand all</a> </div> <div class="acd-a-close acd-a-shell"> <h3><a class="acd-a-head" role="button" href="javascript:void(0);" aria-controls="content-1" aria-expanded="false" id="accordion-control-1">Prepare for volatility</a></h3> <div class="acd-a-content" aria-hidden="true" id="content-1"> <span class="adahidden">S&P 500 Index Performance 2000-2022</span> <div class="faqImage"><img src="/Publish/Content/image/png/GWMOL/ME-start-investing-chart-volatility.png" alt="S&P 500 Index Performance 2000-2022 chart depicting stock market volatility during the 2001 U.S./Iraq War, the 2008 Great Recession, and the 2019-20 COVID-19 pandemic" style="width:100%; height:auto; max-width:863px;" /></div> <div class="faqTitle txt-brand" aria-hidden="true">S&P 500 Index Performance 2000-2022</div> <div class="faqDisc first">Source: Bloomberg. S&P 500 Index Annual returns as of December 31, 2020 - March 31, 2022. Past performance is no guarantee of future results.</div> <div class="pb-15">All investments carry some degree of risk — meaning the value of your investments can rise or fall because of market conditions. The market can have a shaky day, month or even year. At times of extreme market volatility, it's easy to overreact — by either selling at a loss to exit the market entirely or doing nothing while trying to ignore what's happening. Planning for volatility in advance by maintaining a well-diversified<span class="adahidden">Footnote </span><sup>1</sup> portfolio can help you stay on track to achieve your financial goals.</div> <div class="faqDisc"><strong>Securities indexes assume reinvestment of all distributions and interest payments. Indexes are unmanaged and do not take into account fees or expenses. It is not possible to invest directly in an index. Indexes are all based in dollars.</strong></div> </div> </div> <div class="acd-a-close acd-a-shell"> <h3><a class="acd-a-head" role="button" href="javascript:void(0);" aria-controls="content-2" aria-expanded="false" id="accordion-control-2">Avoid timing the market</a></h3> <div class="acd-a-content" aria-hidden="true" id="content-2"> <div class="faqText">You may be tempted to buy the latest "hot stock" with the idea of selling it quickly at a profit. But trying to capitalize on short-term changes in a stock price or in the market — a strategy that requires you to time when to be in the market and when to get out- could end up costing you in the long run. That's because you might be out of the market when it surges back upward after a sudden drop, as it historically has done. Here's how missing the strongest days of the S&P 500 over the last three decades could have affected your total returns. Past performance is no guarantee of future results.</div> <div class="faqImage desk"><img src="https://www.merrilledge.ml.bac-assets.com/Publish/Content/image/jpeg/GWMOL/ME-investing-basics-graph-emotions-desk.jpeg" alt="This exhibit shows a bar chart illustrating how excluding the best days of performance for the S&P 500 drastically cuts down returns. The S&P 500 Compound Annual Growth Rate from January 1, 1990 to June 30, 2023 is as follows: Fully invested 10.1%; Less 5 Best 8.6%; Less 10 Best 7.6%; Less 20 Best 5.9%; Less 30 Best 4.4%; Less 40 Best 3.2%; Less 50 Best 2.0%." style="width: 100%; height: auto; max-width: 808px;" /></div> <div class="faqImage mobile"><img src="https://www.merrilledge.ml.bac-assets.com/Publish/Content/image/jpeg/GWMOL/ME-investing-basics-graph-emotions-mobile.jpeg" alt="This exhibit shows a bar chart illustrating how excluding the best days of performance for the S&P 500 drastically cuts down returns. The S&P 500 Compound Annual Growth Rate from January 1, 1990 to June 30, 2023 is as follows: Fully invested 10.1%; Less 5 Best 8.6%; Less 10 Best 7.6%; Less 20 Best 5.9%; Less 30 Best 4.4%; Less 40 Best 3.2%; Less 50 Best 2.0%." style="width: 100%; height: auto; max-width: 374px;" /></div> <div class="faqDisc first">Source: Bloomberg. Chief Investment Office.<span class="adahidden">Footnote </span><sup>2</sup> Data as of June 30, 2023. FOR INFORMATIONAL PURPOSES ONLY. Data reflects S&P 500 Total Return Index performance going back to 1990 incrementally omitting top performing days (chart encompasses data from 1/1/1990-6/30/2023). It is not possible to invest directly in an index.</div> <div class="faqDisc"><strong>Investing involves risk, including potential loss of principal.</strong></div> </div> </div> <div class="acd-a-close acd-a-shell"> <h3><a class="acd-a-head" role="button" href="javascript:void(0);" aria-controls="content-3" aria-expanded="false" id="accordion-control-3">Keep buzzy opportunities in perspective</a></h3> <div class="acd-a-content" aria-hidden="true" id="content-3"> <div class="faqText">When you start investing, you'll hear about opportunities that are promoted as "easy ways" to potentially make a profit. While it's important to diversify your portfolio, returns on certain types of well-publicized ways of investing may not be sustainable over the long term, and they come with more volatility and uncertainty. To Understand a few of them further, let's start with some definitions.</div> <div class="trendFlex tf1"> <div class="trendImg"><img src="/Publish/Content/image/png/GWMOL/ME-start-investing-trends-1-meme-stocks.png" alt="" style="width:100%; height:auto; max-width:230px;" /></div> <div class="trendText"><strong>Meme Stocks</strong> are stocks that gain popularity after going viral online. Because their sudden growth is driven by a surge of retail investors, they can experience just as dramatic drops when interest wanes and inexperienced investors run the risk of losing their investment by buying high and selling low.</div> </div> <div class="trendFlex tf2"> <div class="trendText"><strong>Day trading</strong> refers to rapidly buying and selling stocks and other financial products, in order to potentially capitalize on short-term changes in price. Day trading requires sophisticated knowledge of the markets and real-time monitoring of information that could affect stock prices.</div> <div class="trendImg"><img src="/Publish/Content/image/png/GWMOL/ME-start-investing-trends-2-day-trading.png" alt="" style="width:100%; height:auto; max-width:257px;" /></div> </div> <div class="trendFlex tf3"> <div class=""><strong>Cryptocurrency</strong> generally refers to a speculative currency that's a type of digital money. It's based on blockchain technology and is often available in the form of coins or tokens, Digital currencies are relatively new, with little regulation protecting investors from scams and fraud.</div> </div> </div> </div> </div> </div> </div> </div> </div>  <div class="wrapper-3 coolGrayBg-10-05"> <div class="goalsFlex"> <div class="goalsText"> <h2 class="txt-brand small">Prioritize your financial goals</h2> <div>Education costs, retirement savings and more — managing all your goals can sometimes seem overwhelming. These insights can help you to pursue them all.</div> <a href="/article/setting-and-prioritizing-financial-goals" name="Goals" id="Goals" class="cta orange m"><span>Learn more<span class="adahidden"> about prioritizing your financial goals</span></span></a> </div> <div class="goalsList"> <ul class="whyList"> <li><strong>Write your goals down</strong><br /> Start by describing what's most important to you and what you want out of life.</li> <li><strong>Define your priorities</strong><br /> Decide whether each goal you've listed is essential, important or aspirational.</li> <li><strong>Determine how much you'll need to save</strong><br /> Budget for essentials first, then move onto your goals.</li> <li><strong>Consider the timeframe of your goals</strong><br /> Decide how soon you'll need the money you are saving or investing.</li> <li><strong>Review your plan periodically</strong><br /> Modify your goals as your life circumstances or timelines change.</li> </ul> </div> </div> </div>  <div class="wrapper-3"> <div class="mgiFaqs mgiF2"> <h2 class="txt-brand fortyFour txt-c">What could I invest in?</h2> <div class="faqBlurb txt-c">Now that you're ready to invest, develop an approach for choosing the investments that may be right for you.</div> <div class="sg-unit"> <div class="acd-a"> <div class="acd-a-panels"> <div class="acd-a-cmd"> <a href="javascript:void(0);" class="jq_expColAll">Expand all</a> </div> <div class="acd-a-close acd-a-shell"> <h3><a class="acd-a-head" role="button" href="javascript:void(0);" aria-controls="content-4" aria-expanded="false" id="accordion-control-4">Decide on your goals, time horizon and liquidity needs</a></h3> <div class="acd-a-content" aria-hidden="true" id="content-4"> <div class="faqText">Your time horizon is how long you have for your investments to grow before you consider selling them, so that you might apply the proceeds toward your goals. Think about whether you are investing for the near future or for a goal further down the road. If your timeline is longer, you may be able to weather short-term volatility and allow your investments the potential for greater growth over the long term. Another factor you may want to take into account is whether you will need access to your assets quickly. Some assets are more liquid than others- meaning that they are easier to convert into cash.</div> <div class="faqTitle txt-brand">How long can you hold your investments?<span class="adahidden"> chart</span></div> <div class="faqImage desk"><img src="/Publish/Content/image/png/GWMOL/ME-start-investing-chart-time-horizon-desk.png" alt="" style="width:100%; height:auto; max-width:816px;" /></div> <div class="faqImage mobile"><img src="/Publish/Content/image/png/GWMOL/ME-start-investing-chart-time-horizon-mobile.png" alt="" style="width:100%; height:auto; max-width:342px;" /></div> <span class="adahidden"> Holding investments 10+ years: I have the time to ride out the market's ups and downs <br /> Holding investments 5-10 years: I can hold on for a few years before I think about selling <br /> Holding investments 1-5 years: I may not be able to wait out market volatility </span> </div> </div> <div class="acd-a-close acd-a-shell"> <h3><a class="acd-a-head" role="button" href="javascript:void(0);" aria-controls="content-5" aria-expanded="false" id="accordion-control-5">Determine your risk tolerance</a></h3> <div class="acd-a-content" aria-hidden="true" id="content-5"> Once you know your goals, you'll want to understand how much risk you believe you can afford to take on and still sleep at night- that's your risk tolerance. To help determine the amount of risk you can afford to take with your investments, consider things like your income and overall financial resources, along with how much time you may have for reaching your goals. </div> </div> <div class="acd-a-close acd-a-shell"> <h3><a class="acd-a-head" role="button" href="javascript:void(0);" aria-controls="content-6" aria-expanded="false" id="accordion-control-6">Build a portfolio</a></h3> <div class="acd-a-content" aria-hidden="true" id="content-6"> <div class="faqText ft1">A portfolio is a collection of investments or assets that reflect your goals, time horizon, liquidity needs and tolerance for risk.</div> <div class="faqText ft2">Stocks are generally the riskiest type of asset, potentially offering the highest returns along with the greatest volatility. Bonds are usually less risky, offering smaller returns in exchange for more stability. Cash is considered the most stable allocation, but with the least potential for growth. See our <a name="Basics" id="Basics" href="/investor-education/investing-basics">Investing Basics</a> page to learn more about building a portfolio.</div> </div> </div> <div class="acd-a-close acd-a-shell"> <h3><a class="acd-a-head" role="button" href="javascript:void(0);" aria-controls="content-7" aria-expanded="false" id="accordion-control-7">Review your investments regularly</a></h3> <div class="acd-a-content" aria-hidden="true" id="content-7"> <div class="reviewInv"> <div class="faqText ft1">Regularly review how your time horizon, liquidity needs, appetite for risk and portfolio of investments match up. As markets move, your investments and priorities may change. You may need to adjust your portfolio to help ensure your investments continue to work towards your goals. </div> <div class="faqText"><strong>One tip:</strong> Set a reminder to review your portfolio at least once a year to measure The progress of your investments mix and modify as needed. </div> </div> </div> </div> </div> </div> </div> </div> </div>  <div class="videoOuter coolGrayBg-10-05" id="transcriptAnchor2"> <div class="wrapper-3 twentyFour"> <h2 class="txt-brand fortyFour txt-c">Why Merrill?</h2> <div class="videoIntro txt-c">Investing with Merrill isn't just simple, it's personalized. Find the ways of investing that may be right for you.</div> <div class="videoFlex video2"> <div class="videoText"> <h3 class="txt-brand">What kind of Merrill account is right for you? </h3> <div class="videoBlurb">If you're not sure which Merrill account to open, this is a good place to start. In this video, we'll break down the important information that will help you decide the type of account that works best for your needs as well as the amount of guidance from Merrill that you want. </div> </div> <div class="videoContent"> <div class="videoShell videoBC2"> <div id="kaltura_player_02" class="kaltura_player" entryId="1_w1ocbzal"></div> </div>  <div class="transcript"> <a aria-expanded="false" name="transcriptLink2a" id="transcriptLink2a" class="show-hide-open" href="javascript:void(0);"><span class='plusMinus'>[+]</span> View transcript</a> </div> <div class="transcriptContent TC2 hide txt-14 p-15 bg-white"> <h2 class="txt-c TrsH2">How to Choose & Open an Account</h2> <div class="mb-5"><strong>Disclosure:</strong></div> <div class="mb-15">Please see important information at the end of this video.</div> <div class="mb-15">When you first start investing, it can be a really exciting time. But just in case you're also feeling a bit overwhelmed… you're not alone. Most people feel that way at first.</div> <div class="mb-15">But you only have to make two decisions before opening your account.</div> <div class="mb-15">You choose what kind of account is right for you… and how much guidance you want for that account.</div> <div class="mb-15">Sounds doable, right? I'll go through it on my screen and show you exactly where to find the information you need.</div> <div class="mb-15">Okay, so most people are either going to select a general investing account… or one of Merrill's Individual Retirement accounts, also known as IRAs.</div> <div class="mb-15">If you're focused on retirement, start here and take a look at "Compare IRAs" to understand the different options. Or you can even try Merrill's IRA selector tool if that works better for you.</div> <div class="mb-15">If you aren't looking at retirement right now, Merrill has general investing accounts that offer more flexibility to take out money before you retire.</div> <div class="mb-15">You just decide if it'll be in your name alone, or a joint account. And if you're opening it for someone under 18, you need to make it a "custodial" account.</div> <div class="mb-15">One thing to keep in mind, if you're moving any assets from another investment company, the easiest thing to do is to create the same kind of account with Merrill. Anything else can impact your taxes.</div> <div class="mb-15">Now, if you have assets from an old job or 401k, there are other things to consider. But either way, Merrill has experienced people who can help you, and they're available 24/7.</div> <div class="mb-15">Okay, once you've decided what kind account you want to open, you can pick how you want to work with Merrill.</div> <div class="mb-15">Would you rather go with your own investment ideas, or have one of Merrill's professionals manage and invest your account for you?</div> <div class="mb-15">Let me tell you a bit about both choices.</div> <div class="mb-15">If you want to be the one steering your own investments, Merrill Edge Self-Directed may be the way to go. This choice gives all kinds of access to flexible tools, research and expert insights to help you implement your investing ideas.</div> <div class="mb-15">[Begin content appearing on screen]</div> <div class="mb-15">Merrill Edge Self-Directed</div> <ul> <li>Expert Insights</li> <li>Wide range of investment choices</li> <li>Actionable investing ideas</li> <li>Unlimited free online stock, ETF, & options trades<span class="adahidden">Footnote asterisk </span>*</li> </ul> <div class="mb-5"><strong>Disclosure:</strong></div> <div class="mb-15"><span class="adahidden">Footnote asterisk appearing on screen under list </span>* Options contract and other fees may apply.</div> <div class="mb-15">[End content appearing on screen]</div> <div class="mb-15">If you aren't so interested in being a hands-on investor, you might decide on Merrill Guided Investing. You just answer a few questions online and Merrill will recommend a strategy and manage the investments for you.</div> <div class="mb-15">With this option, you pay a monthly program fee and that covers investing and management. You can even choose to work directly with an advisor.</div> <div class="mb-15">So, once you choose your account type and how you want to work with Merrill, it's time to actually open the account. You can do it all from your computer, or even your phone.</div> <div class="mb-15">And if you're already a Bank of America client, use that log-in and it'll pre-fill most of your application.</div> <div class="mb-15">Once you get email confirmation that your account is live, you can fund it and start trading from any device. But don't worry… we have other videos and plenty of support as you move along.</div> <div class="mb-15">So, don't feel overwhelmed. You're just a few decisions and couple clicks away from building your financial future with Merrill. And that's pretty exciting. Thank you for watching.</div>  <div class="mb-15 txt-11 txt-c"><strong>Disclosure:</strong></div> <div class="mb-0 txt-10"><span class="adahidden">Footnote asterisk appearing in video end disclaimers </span><script type="text/javascript"> var tradeSUP="*";</script>  <div class="disclaimer" > <script>if(tradeSUP){ document.write(tradeSUP.sup()); }</script> <span id=D6007>Other fees may apply. Free and $0 means there is no commission charged for these trades. 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 <a name="DiscPricing" id="DiscPricing" href="/pricing">our Pricing page</a>.</span> </div> </div> <div class="mb-0 txt-10"><script type="text/javascript"> var tradeSUP="";</script>  <div class="disclaimer" > <script>if(tradeSUP){ document.write(tradeSUP.sup()); }</script> Merrill waives its commissions for all online stock, ETF and option trades placed in a Merrill Edge<sup>®</sup> 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. <br/> <br/> 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. </div> </div> <div class="mb-0 txt-10"><script type="text/javascript"> var tradeSUP="";</script>  <div class="disclaimer" > <script>if(tradeSUP){ document.write(tradeSUP.sup()); }</script> Merrill Guided Investing and Merrill Guided Investing with Advisor have an annual program fee of 0.45% and 0.85%, respectively, based on the assets held in the account. This fee is charged monthly in advance. In addition to the annual program fee, the expenses of the investments will vary based on the specific funds within each portfolio. Actual fund expenses will vary; please refer to each fund's prospectus. To learn more about pricing, visit the <a href="https://olui2.fs.ml.com/Publish/Content/application/pdf/GWMOL/merrill-edge-guided-investing-program-brochure.pdf" target="_blank" name="MEGIBrochurePDF" id="MEGIBrochurePDF" rel="nofollow" >Merrill Guided Investing Program Brochure (PDF)</a> or the <a href="https://olui2.fs.ml.com/Publish/Content/application/pdf/GWMOL/guided-investing-program-brochure.pdf" target="_blank" name="MEGIBrochurePDF" id="MEGIBrochurePDF" rel="nofollow" >Merrill Guided Investing with Advisor Program Brochure (PDF)</a>. </div> </div> <div class="mb-15 txt-10"><strong>Investing involves risk. There is always the potential of losing money when you invest in securities.</strong></div> <div class="mb-0 txt-10"><script type="text/javascript"> var tradeSUP="";</script>  <div class="disclaimer" > <script>if(tradeSUP){ document.write(tradeSUP.sup()); }</script> <span id="D6045"><strong>Asset allocation, diversification, and rebalancing do not ensure a profit or protect against loss in declining markets.</strong></span> </div> </div> <div class="mb-0 txt-10"><script type="text/javascript"> var tradeSUP="";</script>  <div class="disclaimer" > <script>if(tradeSUP){ document.write(tradeSUP.sup()); }</script> Please review the applicable <a href="https://olui2.fs.ml.com/publish/content/application/pdf/gwmol/merrill-edge-guided-investing-program-brochure.pdf" target="_blank" name="MGIPDF" id="MGIPDF" rel="nofollow" >Merrill Guided Investing Program Brochure (PDF)</a> or <a href="https://olui2.fs.ml.com/publish/content/application/pdf/gwmol/guided-investing-program-brochure.pdf" target="_blank" name="MGIaPDF" id="MGIaPDF" rel="nofollow" >Merrill Guided Investing with Advisor Program Brochure (PDF)</a> 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 circumstances 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. </div> </div> <div class="mb-0 txt-10"><script type="text/javascript"> var tradeSUP="";</script>  <div class="disclaimer" > <script>if(tradeSUP){ document.write(tradeSUP.sup()); }</script> <span id="D6028">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, Member SIPC, and a wholly-owned subsidiary of BofA Corp.<br /><br /> Banking products are provided by Bank of America, N.A., and affiliated banks, Members FDIC, and wholly owned subsidiaries of BofA Corp.<br /><br />  <script type="text/javascript"> var tradeSUP="";</script>  <div class="disclaimer" > <SCRIPT>if(tradeSUP){ document.write(tradeSUP.sup()); }</SCRIPT>Merrill Private Wealth Management is a division of MLPF&S that offers a broad array of personalized wealth management products and services. Both brokerage and investment advisory services (including financial planning) are offered by the Private Wealth Advisors through MLPF&S. The nature and degree of advice and assistance provided, the fees charged, and client rights and Merrill's obligations will differ among these services. The banking, credit and trust services sold by the Private Wealth Advisors are offered by licensed banks and trust companies, including Bank of America, N.A., Member FDIC, and other affiliated banks. </div>  Trust and fiduciary services are provided by Bank of America, N.A., Member FDIC, a wholly owned subsidiary of BofA Corp.</span> </div> </div> <div class="mb-0 txt-10"><script type="text/javascript"> var tradeSUP="";</script>  <div class="disclaimer" > <script>if(tradeSUP){ document.write(tradeSUP.sup()); }</script> Banking products are provided by Bank of America, N.A. and affiliated banks. Members FDIC and wholly owned subsidiaries of Bank of America Corporation. </div> </div> <div class="mb-0 txt-10"><script type="text/javascript"> var tradeSUP="";</script>  <div class="disclaimer" > <script>if(tradeSUP){ document.write(tradeSUP.sup()); }</script> Clients enrolled in Preferred Rewards receive a Preferred Rewards discount off the Merrill Guided Investing program's annual asset-based fee of 0.45%, and the Merrill Guided Investing with Advisor and Merrill Edge Advisory Account programs' annual asset-based fee of 0.85% for any of their accounts enrolled in the respective advisory programs. Preferred Rewards enrolled clients receive a discount of 0.05% off of the annual rate for the Gold tier, 0.10% for the Platinum tier, or 0.15% for the Platinum Honors, Diamond and Diamond Honors tiers based on their Preferred Rewards tier effective at the time the applicable advisory program fee is calculated. It may take up to 30 calendar days for changes to your Preferred Rewards status or tier to be associated with and effective for your accounts in the advisory programs. This fee is charged monthly in advance. In addition to the annual program fee, the expenses of the investments will vary based on the specific funds within each portfolio. Actual fund expenses will vary; please refer to each fund's prospectus. </div> </div> <div class="mb-15 txt-10">Preferred Rewards for Wealth Management clients other than Bank of America Private Bank clients, do not receive the Merrill Guided Investing fee discount.</div>  <div class="mb-15">Investment products:</div> <table class="TBL"> <tr> <td>Are Not FDIC Insured</td> <td>Are Not Bank Guaranteed</td> <td>May Lose Value</td> </tr> </table> <div class="txt-10">© 2024 Bank of America Corporation. All rights reserved. 2929574</div> <div class="transcript"> <a aria-expanded="true" name="transcriptLink2b" id="transcriptLink2b" class="transcriptAcc show-hide-close" href="#transcriptAnchor2"><span class='plusMinus'>[-]</span> Close transcript</a> </div> </div>  </div> </div> </div> </div>  <div class="videoOuter"> <div class="tmShell scroll wrapper-3"> <div class="tabsMenu"> <a href="javascript:void(0);" class="dot" onclick="currentSlide(1)">Merrill Edge Self-Directed <span class="adahidden">Tab 1 of 2<span class="callSelected"></span></span></a> <a href="javascript:void(0);" class="dot" onclick="currentSlide(2)">Merrill Guided Investing <span class="adahidden">Tab 2 of 2<span class="callSelected"></span></span></a> </div> </div>  <div id="carousel1" class="mySlides tabContent"> <div class="wrapper-3"> <h2 class="txt-brand tabh2">Discover tools and resources to help you find investments and manage your portfolio with Merrill Edge Self‑Directed.</h2> </div> <div class="expFlex"> <div class="expImage"> <img class="expImg img1" src="https://www.merrilledge.ml.bac-assets.com/Publish/Content/image/jpeg/GWMOL/ME-impact-screen-1-search-mobile.jpeg" alt="" /> <img class="expImg img2 hide" src="https://www.merrilledge.ml.bac-assets.com/Publish/Content/image/jpeg/GWMOL/ME-impact-screen-2-securities-mobile.jpeg" alt="" /> <img class="expImg img3 hide" src="https://www.merrilledge.ml.bac-assets.com/Publish/Content/image/jpeg/GWMOL/ME-impact-screen-3-portfolio-mobile.jpeg" alt="" /> <div class="expImg img4 hide">  <div class="videoShell impactBCdesk videoBC3"> <div id="kaltura_player_03" class="kaltura_player" entryId="1_u4hlpmmc"></div> </div> </div> </div> <div class="expText"> <div class="expMod mod1 selected" name="exp1" id="exp1"> <div class="expModImg"><img class="expImg img1" src="https://www.merrilledge.ml.bac-assets.com/Publish/Content/image/jpeg/GWMOL/ME-impact-screen-1-search-mobile.jpeg" alt="" /></div> <h3>Search for Ideas</h3> <div class="modText">Idea Builder is home to investments for your portfolio — particularly if sustainable investing is important to you. Find investing ideas from top global minds and align your portfolio with a rapidly transforming world.<span class="adahidden">Footnote </span><sup>3</sup></div> </div> <div class="expMod mod2" name="exp2" id="exp2"> <div class="expModImg"><img class="expImg img2 hide" src="https://www.merrilledge.ml.bac-assets.com/Publish/Content/image/jpeg/GWMOL/ME-impact-screen-2-securities-mobile.jpeg" alt="" /></div> <h3>Evaluate individual securities</h3> <div class="modText">Is the company you're invested in aligned with your values? With ESG ratings from MSCI in Stock Story, you can be informed about the impact of any public company.<span class="adahidden">Footnotes </span><sup>3,4</sup></div> </div> <div class="expMod mod3" name="exp3" id="exp3"> <div class="expModImg"><img class="expImg img3 hide" src="https://www.merrilledge.ml.bac-assets.com/Publish/Content/image/jpeg/GWMOL/ME-impact-screen-3-portfolio-mobile.jpeg" alt="" /></div> <h3>Evaluate your portfolio's impact</h3> <div class="modText">With Portfolio Story, you can see how well your investments score against environmental, social and governance criteria by MSCI.<span class="adahidden">Footnotes </span><sup>3,4</sup></div> </div> </div> </div> </div>   <div id="carousel2" class="mySlides tabContent wrapper-3"> <h2 class="txt-brand tabh2">Need help getting started? <span>Have your portfolio managed by Merrill investment professionals</span></h2>  <div class="videoFlex video4"> <div class="videoText"> <h3 class="txt-brand">Simplify your approach to investing </h3> <div class="videoBlurb pb-15">With Merrill Guided Investing, a goal-based investment advisory program, you can get a portfolio that's managed by Merrill investment professionals and focused on your goal, whether you're investing to build wealth, create a sustainable portfolio or have a specific goal in mind.<span class="adahidden">Footnotes </span><sup>3,5,6</sup></div> <div class="videoBlurb pb-15">Getting started is easy:</div> <ol> <li>Define your goal online or work directly with an advisor and identify investment strategies aligned to <span class="nowrap">your goal</span></li> <li>Get a portfolio that's built, monitored and rebalanced by Merrill investment professionals<span class="adahidden">Footnotes </span><sup>1,6</sup></li> <li>Monitor your performance and make changes to your goal online whenever you want</li> </ol> <div><a href="/investing/merrill-guided-investing" name="lmMGI" id="lmMGI" class="cta orange m"><span>Learn more<span class="adahidden"> about Merrill Guided Investing</span></span></a></div> </div> </div> </div>  </div>  <script type="text/javascript" src="/publish/content/assets/js/kaltura_video.js?d=281124_510206"></script> <script> // Slide show script var slideIndex = 1; showSlides(slideIndex); function plusSlides(n) { showSlides(slideIndex += n); } function currentSlide(n) { showSlides(slideIndex = n); } function showSlides(n) { var i; var slides = document.getElementsByClassName("mySlides"); var dots = document.getElementsByClassName("dot"); if (n > slides.length) {slideIndex = 1} if (n < 1) {slideIndex = slides.length} for (i = 0; i < slides.length; i++) { slides[i].style.display = "none"; } for (i = 0; i < dots.length; i++) { dots[i].className = dots[i].className.replace(" selected", ""); $(dots[i]).find("span").remove(".callSelected"); } slides[slideIndex-1].style.display = "block"; dots[slideIndex-1].className += " selected"; $(dots[slideIndex-1]).find("span").append("<span class='callSelected'> selected</span>"); } </script>  <div class="startShell coolGrayBg-10-05"> <div class="wrapper-3"> <h2 class="txt-brand">Ready to get started?</h2> <div><a href="/global-oao" name="ctaStart" id="ctaStart" class="cta orange l"><span>Open an account<span class="adahidden"> with Merrill</span></span></a></div> <div class="startHelpFlex"> <div class="startHelpCall"> <h4 class="txt-brand">Call us</h4> <div class="startHelpText"><a name="ctaPhone" id="ctaPhone" href="tel:888.637.3343">888.637.3343</a></div> </div> <div class="startHelpMeet"> <h4 class="txt-brand">Set up a meeting</h4> <div class="startHelpText"><a href="https://secure.bankofamerica.com/secure-mycommunications/public/appointments/?marketingCode=TLEDPGS_ECBBA_A3000" target="_blank" name="ScheduleInd" id="ScheduleInd">Schedule an appointment<span class="adahidden"> with Merrill</span></a></div> </div> </div> </div> </div> <div class="wrapper-3">  <div id="etdisclosure">  <span class="adahidden">Footnote </span><script type="text/javascript"> var tradeSUP = "1";</script>  <div class="disclaimer" > <script>if(tradeSUP){ document.write(tradeSUP.sup()); }</script> <span id="D6045"><strong>Asset allocation, diversification, and rebalancing do not ensure a profit or protect against loss in declining markets.</strong></span> </div>   <span class="adahidden">Footnote </span><script type="text/javascript"> var tradeSUP = "2";</script>  <div class="disclaimer" > <script>if(tradeSUP){ document.write(tradeSUP.sup()); }</script> <span id="D6051">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. <br /><br /> 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.").</span> </div>   <span class="adahidden">Footnote </span><script type="text/javascript"> var tradeSUP = "3";</script>  <div class="disclaimer" > <script>if(tradeSUP){ document.write(tradeSUP.sup()); }</script> <strong>Sustainable and 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. Impact investing and/or ESG investing has certain risks based on the fact that ESG criteria excludes securities of certain issuers for nonfinancial reasons and therefore, investors may forgo some market opportunities and the universe of investments available will be smaller.</strong> </div>  <span class="adahidden">Footnote </span><sup>4</sup> Certain information contained herein (the "Information") has been provided by MSCI ESG Research LLC, a Registered Investment Adviser under the Investment Advisers Act of 1940, and may include data from its affiliates (including MSCI Inc. and its subsidiaries ("MSCI")), or third party suppliers (each an "Information Provider"), and it may not be reproduced or redisseminated in whole or in part without prior written permission. The Information has not been submitted to, nor received approval from, the US SEC or any other regulatory body. The Information may not be used to create any derivative works, or in connection with, nor does it constitute, an offer to buy or sell, or a promotion or recommendation of, any security, financial instrument or product or trading strategy, nor should it be taken as an indication or guarantee of any future performance, analysis, forecast or prediction. Some funds may be based on or linked to MSCI indexes, and MSCI may be compensated based on the fund's assets under management or other measures. MSCI has established an information barrier between equity index research and certain Information. None of the Information in and of itself can be used to determine which securities to buy or sell or when to buy or sell them. The Information is provided "as is" and the user of the Information assumes the entire risk of any use it may make or permit to be made of the Information. Neither MSCI ESG Research nor any Information Party makes any representations or express or implied warranties (which are expressly disclaimed), nor shall they incur liability for any errors or omissions in the Information, or for any damages related thereto. © 2022 MSCI Inc. All rights reserved. <br /><br />  <span class="adahidden">Footnote </span><script type="text/javascript"> var tradeSUP = "5";</script>  <div class="disclaimer" > <script>if(tradeSUP){ document.write(tradeSUP.sup()); }</script> Please review the applicable <a href="https://olui2.fs.ml.com/publish/content/application/pdf/gwmol/merrill-edge-guided-investing-program-brochure.pdf" target="_blank" name="MGIPDF" id="MGIPDF" rel="nofollow" >Merrill Guided Investing Program Brochure (PDF)</a> or <a href="https://olui2.fs.ml.com/publish/content/application/pdf/gwmol/guided-investing-program-brochure.pdf" target="_blank" name="MGIaPDF" id="MGIaPDF" rel="nofollow" >Merrill Guided Investing with Advisor Program Brochure (PDF)</a> 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 circumstances 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. </div>   <span class="adahidden">Footnote </span><script type="text/javascript"> var tradeSUP = "6";</script>  <div class="disclaimer" > <script>if(tradeSUP){ document.write(tradeSUP.sup()); }</script> 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).<br /><br /> 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. </div>  <strong>Investing involves risk including possible loss of principal. Past performance is no guarantee of future results.</strong> <br /><br /> <strong>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.</strong> <br /><br /> MAP6473372-06082025 </div> </div> </div>   <style> a.ot-sdk-show-settings { background-image: url(/Publish/Content/image/png/GWMOL/ME-bofa-icon-opt-out-white.png); background-repeat:no-repeat; background-position: right center; background-size: 20px auto; display:inline-block; padding:0 25px 0 0; } #etdisclosure .disclaimer, #etfooter .disclaimer, .wrapper-2 .disclaimer { background-color:inherit !important; font-size:inherit !important; color:inherit !important; padding:0 0 15px 0; } #etfooter p { margin: 0 0 15px 0; } .shareDesk { display:block; } .shareMobile { display:none; } .adDesk { display:inline; } .adMobile { display:none; } @media only screen and (max-width: 760px) {/* viewport up to 760px */ .shareDesk { display:none; 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alt="YouTube popup" /></a></div> </div> </div> <div class="col col-4"> <div><h3>Unlimited $0 Trades</h3></div> <div class="w-180 lead-16 pb-5">With Merrill Edge Self‑Directed, get unlimited free online stock, ETF and option trades with no trade or balance minimums<span class="adahidden">Footer footnote </span><sup>b</sup></div> <div class="w-180 lead-16 pb-15">Options contracts and other fees may apply<span class="adahidden">Footer footnote </span><sup>a</sup> </div> <div class="pb-5"><a name="footerOAO2" id="footerOAO2" href="/global-oao" class="cta orange"><span>Open an account<span class="adahidden"> with Merrill Edge Self-Directed</span></span></a></div> </div> </div> </div>  <div class="site-footer-980"> <div class="txt-gray2">  <span class="adahidden">Footer footnote </span><strong><script type="text/javascript"> var tradeSUP = "a";</script>  <div class="disclaimer" > <script>if(tradeSUP){ document.write(tradeSUP.sup()); }</script> <span id=D6007>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 <a name="DiscPricing" id="DiscPricing" href="/pricing">our Pricing page</a>.</span> </div> </strong>  <span class="adahidden">Footer footnote </span><script type="text/javascript"> var tradeSUP = "b";</script>  <div class="disclaimer" > <script>if(tradeSUP){ document.write(tradeSUP.sup()); }</script> Merrill waives its commissions for all online stock, ETF and option trades placed in a Merrill Edge<sup>®</sup> 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. <br/> <br/> 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. </div>  <div class="txt-gray2"><strong>Investment products offered through MLPF&S and insurance and annuity products offered through MLLA:</strong></div> <div class="gov-notice"> <table class="bold" role="presentation"> <tbody> <tr> <td style="text-align:center;">Are Not FDIC Insured</td> <td style="text-align:center;">Are Not Bank Guaranteed</td> <td style="text-align:center;">May Lose Value</td> </tr> <tr> <td style="text-align:center;">Are Not Deposits</td> <td style="text-align:center;">Are Not Insured by Any Federal Government Agency</td> <td style="text-align:center;">Are Not a Condition to Any Banking Service or Activity</td> </tr> </tbody> </table> </div> <p><strong>Investing in securities involves risks, and there is always the potential of losing money when you invest in securities.</strong></p>  <script type="text/javascript"> var tradeSUP = "";</script>  <div class="disclaimer" > <script>if(tradeSUP){ document.write(tradeSUP.sup()); }</script> <span id="D6045"><strong>Asset allocation, diversification, and rebalancing do not ensure a profit or protect against loss in declining markets.</strong></span> </div>  <p><strong>The performance data contained herein represents past performance which does not guarantee future results. Investment return and principal value will fluctuate so that shares, when redeemed, may be worth more or less than their original cost. Current performance may be lower or higher than the performance quoted. For performance information current to the most recent month end, please contact us.</strong></p> <p>Net Asset Value (NAV) returns are based on the prior-day closing NAV value at 4 p.m. ET. NAV returns assume the reinvestment of all dividend and capital gain distributions at NAV when paid.</p> <p>Market price returns are based on the prior-day closing market price, which is the average of the midpoint bid-ask prices at 4 p.m. ET. Market price returns do not represent the returns an investor would receive if shares were traded at other times.</p> <p>Returns include fees and applicable loads. Since Inception returns are provided for funds with less than 10 years of history and are as of the fund's inception date. 10 year returns are provided for funds with greater than 10 years of history.</p> <p><strong><em>Before investing consider carefully the investment objectives, risks, and charges and expenses of the fund, including management fees, other expenses and special risks. This and other information may be found in each fund's prospectus or summary prospectus, if available. Always read the prospectus or summary prospectus carefully before you invest or send money. Prospectuses can be obtained by contacting us.</em></strong></p> <p><strong>Expense Ratio</strong> – Gross Expense Ratio is the total annual operating expense (before waivers or reimbursements) from the fund's most recent prospectus. You should also review the fund's detailed annual fund operating expenses which are provided in the fund's prospectus.</p> <p>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 <a href="https://olui2.fs.ml.com/Publish/Content/application/pdf/GWMOL/Client_Relationship_Summary_CRS.pdf" target="_blank" name="FormCRS1" id="FormCRS1" rel="nofollow" >Client Relationship Summary (Form CRS) (PDF)</a>.</p>  <script type="text/javascript"> var tradeSUP = "";</script>  <div class="disclaimer" > <SCRIPT>if(tradeSUP){ document.write(tradeSUP.sup()); }</SCRIPT> <span id="D6018">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.</span> </div>   <script type="text/javascript"> var tradeSUP = "";</script>  <div class="disclaimer" > <script>if(tradeSUP){ document.write(tradeSUP.sup()); }</script> 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, <a href="javascript:void(0);" id="DiscSIPC" name="DiscSIPC" onclick="javascript:OnlineCommonJSFunctions.LoadModalPopupByUrl('/sipc-interstitial','','270','280px');return false;">Member Securities Investor Protection (SIPC)<span class="adahidden"> popup</span></a> and a wholly owned subsidiary of Bank of America Corporation ("BofA Corp"). </div>  <p>Banking products are provided by Bank of America, N.A. and affiliated banks, Members FDIC and wholly owned subsidiaries of Bank of America Corporation ("BofA Corp.").</p> <p>Merrill Lynch Life Agency Inc. 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All rights reserved.</p> </div> </div> <script type="text/javascript"> Sys.Application.add_init(function () { // Script to create IFA tactic experience if (typeof __ETAttr.tactic_id !== 'undefined' && __ETAttr.tactic_id !== null) { var pageTactic = __ETAttr.tactic_id.toUpperCase(); if (pageTactic == 'IFA') { // Show/hide content according to tactic if ($('.ifaNo').length) { $('.ifaNo').css('display', 'none'); } if ($('.ifaYes').length) { $('.ifaYes').css('display', 'block'); } } } // Hides Meganav and Power Footer PR links for Preferred Rewards Fair Lending impact var pageURL = $(location).attr("href").toLowerCase(); if (pageURL.indexOf('no-lending=true') > 0) { $('#nav2_col1WhyEdge, #nav3_col1WhyEdge, .prLI').css('display', 'none'); } }); /* OO_CONF.JS START */ /* OnlineOpinion v5.1.5 */ /* Released: 11/11/2010 */ /* Components: popup ocode floating /* The following code is Copyright 1998-2010 Opinionlab, Inc. All rights reserved. Unauthorized use is prohibited. 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if (_clientCtx["BbaURL"] != undefined && _clientCtx["BbaURL"] != "") { $(".fsa-scheduleappointment").attr('href', _clientCtx["BbaURL"]); } else { $(".fsa-scheduleappointment").css('display', 'none'); } if (_clientCtx["StateRegistrations"] != undefined) $(".fsa-stateregistrations").text(_clientCtx["StateRegistrations"]); if (_clientCtx["SupervisoryURL"] != undefined) $(".fsa-supervisoryurl").attr('href', _clientCtx["SupervisoryURL"]); if (_clientCtx["SupervisoryAddress"] != undefined) $(".fsa-supervisoryaddress").text(_clientCtx["SupervisoryAddress"]); if (_clientCtx["SupervisoryCity"] != undefined) $(".fsa-supervisorycity").text(_clientCtx["SupervisoryCity"]); if (_clientCtx["SupervisoryState"] != undefined) $(".fsa-supervisorystate").text(_clientCtx["SupervisoryState"]); if (_clientCtx["SupervisoryZip"] != undefined) $(".fsa-supervisoryzip").text(_clientCtx["SupervisoryZip"]); if (_clientCtx["SupervisoryPhone"] != undefined) $(".fsa-supervisoryphone").text(_clientCtx["SupervisoryPhone"]); $(".fsa-notincontext").css('display', 'none'); $(".fsa-incontext").css('display', 'block'); } else { $(".fsa-incontext").css('display', 'none'); $(".fsa-notincontext").css('display', 'block'); } }); </script> <script type="text/javascript"> /* <![CDATA[ */ var __ETFlags ={ FieldTags:true, TrackDynamic:true}; /* ]]> */ </script> <script type="text/javascript" src="/publish/content/application/x-javascript/ET_2-4.6.js"> </script><script type="text/javascript">/* <![CDATA[ */ /* var __ETFlags ={ FieldTags:true}; remove per Veer */ /* ]]> */</script><script type="text/javascript">/* <![CDATA[ */ if (document.readyState === "interactive" || document.readyState === "complete") { var axel = Math.random() + ""; var a = axel * 10000000000000; var params = []; params[0] = {}; params[0].type = "dart"; params[0].ddoData = { "standardDART": ["https://1359940.fls.doubleclick.net/activityi;src=1359940;type=merri346;cat= " + __ETAttr.DART + ";ord=1;num=" + a + ";"]}; $GE.Tagging.updateDDO(params); } else { document.onreadystatechange = function () { if (document.readyState === "interactive") { var axel= Math.random() + "";var a= axel * 10000000000000; var params = []; params[0] = {}; params[0].type = "dart"; params[0].ddoData = { "standardDART": ["https://1359940.fls.doubleclick.net/activityi;src=1359940;type=merri346;cat= " + __ETAttr.DART + ";ord=1;num=" + a + ";"]}; $GE.Tagging.updateDDO(params); } } } /* ]]> */</script></span> <span id="ctl00_ctl00_ctrlLiveTextChat"></span><script type="text/javascript" language="javascript"> Sys.Application.add_load(function(){ if(typeof $GE!="undefined" && $GE!=null) { var options = { "SITE_ID": "OSE", "LANGUAGE": "ENGLISH" }; var KeyValuePair = { "ME_SALES_CHAT" : "Y" }; var tcChatSession = $GE.initChat(options); tcChatSession.setChatParam(KeyValuePair); //For custom data pass } }); </script> <script type="text/javascript"> //<![CDATA[ var vWSODChartAPIName ="/net/WidgetAPI/GetWidgets";//]]> </script> <script language='javascript' type='text/javascript'>var PlatformPaths=new Object();PlatformPaths.SVEVirtualPath='/sve/p/TM/FolderVersionNotFound/default'; PlatformPaths._runLookupPath='/sve/pages/RunLookup.aspx?RUN='; PlatformPaths._hasXssCharMappings=true; PlatformPaths._xssCharsEncodeMappings={"'": '@','\\#': '[ge_hs_ge]',';': '[ge_sc_ge]','\$': '[ge_op_ge]','\$': '[ge_cp_ge]','"': '[ge_qt_ge]','\\+': '[ge_pl_ge]'}; PlatformPaths._xssCharsDecodeMappings={"'": '@','#': '\\[ge_hs_ge]',';': '\\[ge_sc_ge]','(': '\\[ge_op_ge]',')': '\\[ge_cp_ge]','"': '\\[ge_qt_ge]','+': '\\[ge_pl_ge]'}; PlatformPaths._CurrentPageResource=''; PlatformPaths._ContextaulServicePath='/m/cse/uiservices/PlatformControlService.asmx'; PlatformPaths._ContextaulWebMethodName='ContextaulGlossaryData'; PlatformPaths._csehWSPath='/M/CSE/UIServices/ErrorLogging.asmx'; PlatformPaths._siteHelpPath=''; PlatformPaths._keepAliveUrl=''; PlatformPaths._newPingURL='https://olui2.fs.ml.com/sve/cse/common/pages/redirector.aspx?RUN=RUN_GE_PING2'; PlatformPaths._helpModalUrl='https://olui2.fs.ml.com/sve/cse/common/pages/redirector.aspx?RUN=RUN_ECMS_MODAL?Type=PageHelp_start-investing'; PlatformPaths._downloadPath='https://olui2.fs.ml.com/sve/cse/common/pages/redirector.aspx?RUN=RUN_GE_FILEDOWNLOADHELPER'; PlatformPaths._unAuthDownloadPath='https://olui2.fs.ml.com/sve/cse/common/pages/redirector.aspx?RUN=RUN_GE_UNAUTHFILEDOWNLOADHELPER'; PlatformPaths.autoCompleteInterval='1500'; PlatformPaths.interstitialSettings='{"StateColl":{"State":{}},"CurrentExperience":"Default","CurrentSite":"TM","PopupUrl":"https://olui2.fs.ml.com/sve/cse/common/pages/redirector.aspx?RUN=RUN_GEDPU_GE_INTERSITEALERT","PopupTitle":null,"PopupTimerMs":5000,"MldFqdn":"olui2.fs.ml.com","MldoaFqdn":"","VendorEnts":{"MLD":false,"OLB":false,"MLDOA":false,"BROKERCHECK":false,"BROADRIDGE":false},"IsMldToggleEnabled":false}'; PlatformPaths.isSDB=false; PlatformPaths.enableClientSideSetMode='false'; PlatformPaths._isUserImpersonated=false; PlatformPaths._isCobrowseApplicable=true; PlatformPaths._cobrowseScriptPath='/sve/js/v4/vendor/launcher.js?TIMESTAMP'; PlatformPaths._globalHoverQuoteID='ctl00_ctl00_siteContent_globalHoverQuote'; PlatformPaths._controlServicePath='/m/cse/uiservices/PlatformControlService.asmx'; </script> <script type="text/javascript"> //<![CDATA[ Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.PlatformContentControl, {"ECMSClientID":"ctl00_ctl00_siteContent_ecmsWPRcctlBrowser"}, null, null, $get("ctl00_ctl00_siteContent_cctlBrowser")); }); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.PlatformContentControl, {"ECMSClientID":"ctl00_ctl00_siteContent_ecmsWPRcctlLogo"}, null, null, $get("ctl00_ctl00_siteContent_cctlLogo")); }); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.PlatformContentControl, {"ECMSClientID":"ctl00_ctl00_siteContent_ecmsWPRcctlUtilityLinks"}, null, null, $get("ctl00_ctl00_siteContent_cctlUtilityLinks")); }); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.GlobalQuote.GlobalQuoteControl, {"hoverQuoteSettings":"{\"Entitlements\":{},\"RUNs\":{\"RUN_Login\":\"https://olui2.fs.ml.com/login/login.aspx?sgt=3\",\"OSE_OAO\":\"/global-oao\"} }","instanceType":1,"isInlineToOtherPopup":false,"isJAWSSupported":true,"isSearchByCompanyNameEnabled":false,"requestTimeOut":7000,"searchLookupURL":"","stringResources":"{\"EnterSymbol\":\"Enter Symbol\",\"EnterSymbolCompanyName\":\"Enter Symbol or Company Name\",\"PleaseEnterSymbol\":\"Please enter a symbol\",\"PleaseEnterSymbolCompanyName\":\"Please enter a symbol or company name\",\"ErrorMessage\":\"There are no securities that match your search parameters.\",\"NoRecordsMessage\":\"We\u0027re sorry, but we\u0027re unable to retrieve data for this security.\",\"NoRecordsFound\":\"No Matches Found\"}","supportedInstrumentTypes":"[2,4,5,6,7,13,15]","webServicePath":"/m/cse/uiservices/PlatformControlService.asmx"}, null, null, $get("ctl00_ctl00_siteContent_globalHoverQuote")); }); Sys.Application.add_init(function() { $create(Sys.Extended.UI.TextBoxWatermarkBehavior, {"ClientStateFieldID":"ctl00_ctl00_siteContent_glQte__ClientState","WatermarkText":"Get Quote","id":"ctl00_ctl00_siteContent_glQte_ctl01"}, null, null, $get("ctl00_ctl00_siteContent_glQte_txtSymbol")); }); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.AutoCompleteExtender, {"FirstColumnDataField":"Symbol","RunMode":0,"SecondColumnDataField":"Description","StringResources":"{\"SRES_AUTO_NORECORDS\":\"No matches found\",\"SRES_CLOSE\":\"Close\",\"SRES_AUTO_NORECORDS_DESC\":\"We did not find any matches for the information you entered. Please try again.\",\"STES_MULTIPLE_MATCHES\":\"{0:###,###,##0} Match{1} Found\"}","acDelay":1500,"appID":"GQ","completionInterval":1500,"completionListCssClass":"quote_completionListElement","completionListHeight":"250px","completionListItemCssClass":"quote_listItem","completionListItemFirstColumnCssClass":"quote_listItem_firstColumn","completionListItemFooterCssClass":"quote_headerrow","completionListItemSecondColumnCssClass":"quote_listItem_secondColumn","completionSetCount":20,"delimiterCharacters":"","headerRowCssClass":"quote_listItem quote_headerrow","highlightedItemCssClass":"quote_highlightedListItem","id":"bAutoComp","isAutoCompOnPopup":false,"minimumPrefixLength":1,"serviceMethod":"GetSymbolAutoComplete","servicePath":"/m/cse/uiservices/PlatformControlService.asmx","showFooterLink":true,"showFooterLinkByCount":false,"symbolLookupRunParam":"RUN_RISymbolLookUpUI_VendorSymbolLookUp"}, null, null, $get("ctl00_ctl00_siteContent_glQte_txtSymbol")); }); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.GlobalQuote.GlobalQuoteControl, {"hoverQuoteSettings":"{\"Entitlements\":{},\"RUNs\":{\"RUN_Login\":\"https://olui2.fs.ml.com/login/login.aspx?sgt=3\",\"OSE_OAO\":\"/global-oao\"} }","instanceType":0,"isInlineToOtherPopup":false,"isJAWSSupported":true,"isSearchByCompanyNameEnabled":false,"requestTimeOut":7000,"searchLookupURL":"","stringResources":"{\"EnterSymbol\":\"Enter Symbol\",\"EnterSymbolCompanyName\":\"Enter Symbol or Company Name\",\"PleaseEnterSymbol\":\"Please enter a symbol\",\"PleaseEnterSymbolCompanyName\":\"Please enter a symbol or company name\",\"ErrorMessage\":\"There are no securities that match your search parameters.\",\"NoRecordsMessage\":\"We\u0027re sorry, but we\u0027re unable to retrieve data for this security.\",\"NoRecordsFound\":\"No Matches Found\"}","supportedInstrumentTypes":"[2,4,5,6,7,13,15]","webServicePath":"/m/cse/uiservices/PlatformControlService.asmx"}, null, null, $get("ctl00_ctl00_siteContent_glQte_GlobalQuote1")); }); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.ContextualGlossaryTermBehavior, {"Configuration":"{\u0027Width\u0027:\u0027\u0027,\u0027Height\u0027:\u0027\u0027, \u0027_iDsToDecorate\u0027:[]}","Data":"","VisibleCloseLink":true,"id":"ctl00_ctl00_siteContent_ContextualGlossaryTermExtender1"}, null, null, $get("ctl00_ctl00_siteContent_dvCGTContext")); }); Sys.Application.add_init(function() { $create(MerrillLynch.Application.Online.MicroSite.GlobalNavigation.RenderMenu, null, null, null, $get("ctl00_ctl00_siteContent_nmMEMenu")); }); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.MegaNavMenu, {"ApplyNavigationMatrixRule":true,"MegaNavData":"","MegaNavMode":"Default","MegaNavTargetElements":"[{\"ElementId\":\"liMenu_ME_WHYEDGE\",\"NavDataId\":\"ME_WHYEDGE\"},{\"ElementId\":\"liMenu_ME_INVESTINGANDTRADING\",\"NavDataId\":\"ME_INVESTINGANDTRADING\"},{\"ElementId\":\"liMenu_ME_GUIDANCEANDRETIREMENT\",\"NavDataId\":\"ME_GUIDANCEANDRETIREMENT\"},{\"ElementId\":\"liMenu_ME_RESEARCH\",\"NavDataId\":\"ME_RESEARCH\"},{\"ElementId\":\"liMenu_ME_EDUCATION\",\"NavDataId\":\"ME_EDUCATION\"},{\"ElementId\":\"liMenu_ME_OPENANACCOUNT\",\"NavDataId\":\"ME_OPENANACCOUNT\"}]","MegaNavTargetMenuId":"siteNav","RenderMode":0,"hiddenMegaNavDataElements":"[]"}, null, null, $get("MegaNavMenu1")); }); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.ECMSContentCtrl, {"Application":"m","ContentFound":false,"ContentLocations":"","ControlId":"ctl00_ctl00_siteContent_MainContent_SimpleContentControl1_ctl00_ecmsWPRECMSContentCtrl1","DesignParams":null,"Errors":"","ManifestLocation":"","Mode":"real","Page":"start-investing","RootDocumentCategory":"SIMPLE_HTML","RootDocumentFriendlyName":null,"RootDocumentLevel":null,"RootDocumentName":"RDN_Standard","RuntimeParams":"\u003cspecializations\u003e\u003cspecialization name=\"page\" type=\"passed_in\" description=\"page\"\u003e\u003cspec_param id=\"3\" name=\"page\" required=\"true\"\u003e\u003cspec_value name=\"page\" id=\"3\"\u003estart-investing\u003c/spec_value\u003e\u003c/spec_param\u003e\u003c/specialization\u003e\u003cspecialization name=\"zone\" type=\"passed_in\" description=\"\"\u003e\u003cspec_param id=\"\" name=\"location\" required=\"\"\u003e\u003cspec_value name=\"location_id\" id=\"\"\u003ephZone1\u003c/spec_value\u003e\u003c/spec_param\u003e\u003c/specialization\u003e\u003c/specializations\u003e","Segment":"DEFAULT","ServicePath":"https://www.merrilledge.com/m/cse/uiservices/ECMSContentService.asmx","Site":"OSE","Specializations":["site","OSE","Page","start-investing","location","phZone1","Tactic","OTHER"],"SuppressContentOnLoad":"False","SuppressHtmlMarkup":"False"}, null, null, $get("ctl00_ctl00_siteContent_MainContent_SimpleContentControl1_ctl00_ecmsWPRECMSContentCtrl1")); }); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.PlatformContentControl, {"ECMSClientID":"ctl00_ctl00_siteContent_MainContent_SimpleContentControl1_ctl00_ecmsWPRECMSContentCtrl1"}, null, null, $get("ctl00_ctl00_siteContent_MainContent_SimpleContentControl1_ctl00_ECMSContentCtrl1")); }); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.ECMSContentCtrl, {"Application":"m","ContentFound":true,"ContentLocations":"","ControlId":"ctl00_ctl00_siteContent_MainContent_SimpleContentControl2_ctl00_ecmsWPRECMSContentCtrl1","DesignParams":null,"Errors":"","ManifestLocation":"","Mode":"real","Page":"start-investing","RootDocumentCategory":"SIMPLE_HTML","RootDocumentFriendlyName":null,"RootDocumentLevel":null,"RootDocumentName":"RDN_Standard","RuntimeParams":"\u003cspecializations\u003e\u003cspecialization name=\"page\" type=\"passed_in\" description=\"page\"\u003e\u003cspec_param id=\"3\" name=\"page\" required=\"true\"\u003e\u003cspec_value name=\"page\" id=\"3\"\u003estart-investing\u003c/spec_value\u003e\u003c/spec_param\u003e\u003c/specialization\u003e\u003cspecialization name=\"zone\" type=\"passed_in\" description=\"\"\u003e\u003cspec_param id=\"\" name=\"location\" required=\"\"\u003e\u003cspec_value name=\"location_id\" id=\"\"\u003ephZone2\u003c/spec_value\u003e\u003c/spec_param\u003e\u003c/specialization\u003e\u003c/specializations\u003e","Segment":"DEFAULT","ServicePath":"https://www.merrilledge.com/m/cse/uiservices/ECMSContentService.asmx","Site":"OSE","Specializations":["site","OSE","Page","start-investing","location","phZone2","Tactic","OTHER"],"SuppressContentOnLoad":"False","SuppressHtmlMarkup":"False"}, null, null, $get("ctl00_ctl00_siteContent_MainContent_SimpleContentControl2_ctl00_ecmsWPRECMSContentCtrl1")); }); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.PlatformContentControl, {"ECMSClientID":"ctl00_ctl00_siteContent_MainContent_SimpleContentControl2_ctl00_ecmsWPRECMSContentCtrl1"}, null, null, $get("ctl00_ctl00_siteContent_MainContent_SimpleContentControl2_ctl00_ECMSContentCtrl1")); }); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.ECMSContentCtrl, {"Application":"m","ContentFound":false,"ContentLocations":"","ControlId":"ctl00_ctl00_siteContent_MainContent_SimpleContentControl3_ctl00_ecmsWPRECMSContentCtrl1","DesignParams":null,"Errors":"","ManifestLocation":"","Mode":"real","Page":"start-investing","RootDocumentCategory":"SIMPLE_HTML","RootDocumentFriendlyName":null,"RootDocumentLevel":null,"RootDocumentName":"RDN_Standard","RuntimeParams":"\u003cspecializations\u003e\u003cspecialization name=\"page\" type=\"passed_in\" description=\"page\"\u003e\u003cspec_param id=\"3\" name=\"page\" required=\"true\"\u003e\u003cspec_value name=\"page\" id=\"3\"\u003estart-investing\u003c/spec_value\u003e\u003c/spec_param\u003e\u003c/specialization\u003e\u003cspecialization name=\"zone\" type=\"passed_in\" description=\"\"\u003e\u003cspec_param id=\"\" name=\"location\" required=\"\"\u003e\u003cspec_value name=\"location_id\" id=\"\"\u003ephZone3\u003c/spec_value\u003e\u003c/spec_param\u003e\u003c/specialization\u003e\u003c/specializations\u003e","Segment":"DEFAULT","ServicePath":"https://www.merrilledge.com/m/cse/uiservices/ECMSContentService.asmx","Site":"OSE","Specializations":["site","OSE","Page","start-investing","location","phZone3","Tactic","OTHER"],"SuppressContentOnLoad":"False","SuppressHtmlMarkup":"False"}, null, null, $get("ctl00_ctl00_siteContent_MainContent_SimpleContentControl3_ctl00_ecmsWPRECMSContentCtrl1")); }); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.PlatformContentControl, {"ECMSClientID":"ctl00_ctl00_siteContent_MainContent_SimpleContentControl3_ctl00_ecmsWPRECMSContentCtrl1"}, null, null, $get("ctl00_ctl00_siteContent_MainContent_SimpleContentControl3_ctl00_ECMSContentCtrl1")); }); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.ECMSContentCtrl, {"Application":"m","ContentFound":false,"ContentLocations":"","ControlId":"ctl00_ctl00_siteContent_MainContent_SimpleContentControl4_ctl00_ecmsWPRECMSContentCtrl1","DesignParams":null,"Errors":"","ManifestLocation":"","Mode":"real","Page":"start-investing","RootDocumentCategory":"SIMPLE_HTML","RootDocumentFriendlyName":null,"RootDocumentLevel":null,"RootDocumentName":"RDN_Standard","RuntimeParams":"\u003cspecializations\u003e\u003cspecialization name=\"page\" type=\"passed_in\" description=\"page\"\u003e\u003cspec_param id=\"3\" name=\"page\" required=\"true\"\u003e\u003cspec_value name=\"page\" id=\"3\"\u003estart-investing\u003c/spec_value\u003e\u003c/spec_param\u003e\u003c/specialization\u003e\u003cspecialization name=\"zone\" type=\"passed_in\" description=\"\"\u003e\u003cspec_param id=\"\" name=\"location\" required=\"\"\u003e\u003cspec_value name=\"location_id\" id=\"\"\u003ephZone4\u003c/spec_value\u003e\u003c/spec_param\u003e\u003c/specialization\u003e\u003c/specializations\u003e","Segment":"DEFAULT","ServicePath":"https://www.merrilledge.com/m/cse/uiservices/ECMSContentService.asmx","Site":"OSE","Specializations":["site","OSE","Page","start-investing","location","phZone4","Tactic","OTHER"],"SuppressContentOnLoad":"False","SuppressHtmlMarkup":"False"}, null, null, $get("ctl00_ctl00_siteContent_MainContent_SimpleContentControl4_ctl00_ecmsWPRECMSContentCtrl1")); }); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.PlatformContentControl, {"ECMSClientID":"ctl00_ctl00_siteContent_MainContent_SimpleContentControl4_ctl00_ecmsWPRECMSContentCtrl1"}, null, null, $get("ctl00_ctl00_siteContent_MainContent_SimpleContentControl4_ctl00_ECMSContentCtrl1")); }); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.ECMSContentCtrl, {"Application":"m","ContentFound":false,"ContentLocations":"","ControlId":"ctl00_ctl00_siteContent_ecmsWPRcctlDisclaimer","DesignParams":null,"Errors":"","ManifestLocation":"","Mode":"real","Page":"start-investing","RootDocumentCategory":"SIMPLE_HTML","RootDocumentFriendlyName":null,"RootDocumentLevel":null,"RootDocumentName":"RDN_ME_Disclaimer","RuntimeParams":"\u003cspecializations\u003e\u003cspecialization name=\"page\" type=\"passed_in\" description=\"page\"\u003e\u003cspec_param id=\"3\" name=\"page\" required=\"true\"\u003e\u003cspec_value name=\"page\" id=\"3\"\u003estart-investing\u003c/spec_value\u003e\u003c/spec_param\u003e\u003c/specialization\u003e\u003cspecialization name=\"type\" type=\"\" description=\"\"\u003e\u003c/specialization\u003e\u003c/specializations\u003e","Segment":"DEFAULT","ServicePath":"https://www.merrilledge.com/m/cse/uiservices/ECMSContentService.asmx","Site":"OSE","Specializations":["site","OSE","Page","start-investing","Tactic","OTHER"],"SuppressContentOnLoad":"False","SuppressHtmlMarkup":"False"}, null, null, $get("ctl00_ctl00_siteContent_ecmsWPRcctlDisclaimer")); }); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.PlatformContentControl, {"ECMSClientID":"ctl00_ctl00_siteContent_ecmsWPRcctlDisclaimer"}, null, null, $get("ctl00_ctl00_siteContent_cctlDisclaimer")); }); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.PlatformContentControl, {"ECMSClientID":"ctl00_ctl00_siteContent_ecmsWPRcctlFooter"}, null, null, $get("ctl00_ctl00_siteContent_cctlFooter")); }); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.PlatformContentControl, {"ECMSClientID":"ctl00_ctl00_ecmsWPRcctlSection_Tracking_Tags"}, null, null, $get("ctl00_ctl00_cctlSection_Tracking_Tags")); }); //]]> </script> </form> </body> </html>