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Personal Investing and Trading

It’s investing, streamlined

Bank with Bank of America, invest with Merrill
 
Why 体育平台app® Self-Directed? You'll get easy-to-use tools, helpful research and unlimited $0 online stock and ETF trades — with no trade or balance minimums.Footnote 3 Other fees may apply.Footnote 2
 
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Accounts for all financial goals

Use for personal investing, joint investing or as a custodial account
Choose from Traditional, Roth or Rollover IRAs to reduce taxes and enjoy the opportunity for tax-deferred growth
Get the potential for tax benefits and flexibility you need to save for college
Manage your finances with solutions designed to help you meet your investing and retirement needs
Find the bank accounts from Bank of America you need to pursue your financial goals
 
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A full range of 体育平台apps

Invest in shares of publicly traded companies across a variety of sectors
Trade like stocks with the diversification of 体育平台app, and offer the flexibility to hold and trade shares
Professionally managed funds aligned to a variety of 体育平台app strategies and time horizons
Invest in a broad range of Treasuries, municipal and corporate bonds and CDs
Execute your options strategy with unlimited $0 tradesFootnote 3 + $0.65 per contract and gain access to new mini optionsFootnote 1, 2
A flexible line of credit that can be used for almost any purpose.Footnote 8
 

Investing your Way

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A self-directed investing platform that streamlines investing, giving you access to researchFootnote 4 and insights, step-by-step guidance and flexible tools — all with low, flat-rate pricing.
 
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An 体育平台app advisory program that combines the best features of online investing with a professionally managed portfolio — all at a low cost.Footnotes 6
 
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With this 体育平台app advisory program, get the benefits of Merrill Guided Investing along with one-on-one guidance from an advisor.Footnotes 6
Ready to get started?
888.637.3343
Call 24 hours a day, 7 days a week
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Get up to $600 when you invest in a new 体育平台app® Self‑Directed account.
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Simplify your investing
Take the guesswork out of finding quality funds:
Footnote 1 Options carry a high level of risk and are not suitable for all investors. Certain requirements must be met to trade options. Please read the options disclosure document titled "Characteristics and Risks of Standardized Options" before considering any option transaction. A separate client agreement is needed. Please note that you will also need to be pre-approved prior to implementing this strategy. You should consult a qualified tax advisor as to how trading options may affect your tax situation.

Footnote 
Other fees may apply. Free and $0 means there is no commission charged for these trades. $0 option trades are subject to a $0.65 per-contract fee. Sales are subject to a transaction fee of between $0.01 and $0.03 per $1,000 of principal. There are costs associated with owning ETFs. To learn more about Merrill pricing, visit our Pricing page.
Footnote 
Merrill waives its commissions for all online stock, ETF and option trades placed in a 体育平台app® 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.
Footnote 
体育平台app MarketPro® is available to clients who maintain a 体育平台app® Self-Directed relationship. Not available to 体育平台app professionals or for trust accounts and business accounts. Relationship requirements and pricing are subject to change.
Footnote 
Asset allocation, diversification, and rebalancing do not ensure a profit or protect against loss in declining markets.
Footnote 
The Chief Investment Office (CIO) develops the 体育平台app strategies for Merrill Guided Investing and Merrill Guided Investing with Advisor, including providing its recommendations of ETFs, 体育平台app 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 体育平台app in client accounts and updating account asset allocations when the CIO's recommendations change while also implementing any applicable individual client or firm restriction(s).

You may also be able to obtain the same or similar services or types of 体育平台apps through other programs and services, both 体育平台app 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.
Please review the applicable Merrill Guided Investing Program Brochure (PDF) or Merrill Guided Investing with Advisor Program Brochure (PDF) for information including pricing, rebalancing, and the details of the 体育平台app advisory program. Your recommended 体育平台app strategy will be based solely on the information you provide to us for this specific 体育平台app 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 custodian of this account for the benefit of another person, please keep in mind that these assets will be invested for the benefit of the other person. Merrill Guided Investing is offered with and without an advisor. Merrill, Merrill Lynch, and/or 体育平台app 体育平台app advisory programs are offered by Merrill Lynch, Pierce, Fenner and Smith Incorporated ("MLPF&S"). MLPF&S and Managed Account Advisors LLC ("MAA") are registered 体育平台app advisers. Investment advisor registration does not imply a certain level of skill or training.
Footnote 
Institutional Investor magazine announced BofA Global Research as the Top Global Research Firm in 2019 based on surveys held throughout the year. The magazine creates rankings of the top research analysts in a wide variety of specializations, drawn from the choices of portfolio managers and other 体育平台app professionals at more than 1,000 firms. BofA Global Research is research produced by BofA Securities, Inc ("BofAS") and/or one or more of its affiliates. BofAS is a registered broker-dealer, Member SIPC popup, and wholly owned subsidiary of Bank of America Corporation. For more information about this award, go to Institutional Investor popup. Rankings and recognition from Institutional Investor are no guarantee of future 体育平台app success and do not ensure that a current or prospective client will experience a higher level of performance results and such rankings should not be construed as an endorsement.
Footnote 
When you purchase securities, you may pay for the securities in full, or if your account has been established as a margin account with the margin lending program, you may borrow part of the purchase price from Merrill Lynch. If you choose to borrow funds for your purchase, Merrill Lynch's collateral for the loan will be the securities purchased, other assets in your margin account, and your assets in any other accounts at Merrill Lynch. If the securities in your margin account decline in value, so does the value of the collateral supporting your loan, and, as a result, we can take action, such as to issue a margin call and/or sell securities in any of your accounts held with us, in order to maintain the required equity in your account. If your account has a Visa® card and/or checks, you may also create a margin debit if your withdrawals (by Visa card, checks, preauthorized debits, FTS or other transfers) exceed the sum of any available free credit balances plus available money account balances (such as bank deposit balances or money market funds). Please refer to your account documents for more information.

Before opening a margin account, you should carefully review the terms governing margin loans. For Individual Investor Accounts, these terms are contained in the Margin Lending Program Client Agreement. For all other accounts, the terms are in your account agreement and disclosures. It is important that you fully understand the risks involved in using margin. These risks including the following:

  • You can lose more funds than you deposit in the margin account. A decline in the value of securities that are purchased on margin may require you to provide additional funds to us to avoid the forced sale of those securities or other securities in your account(s).
  • We can force the sale of securities in your account(s). If the equity in your account falls below the maintenance margin requirements or Merrill Lynch's higher "house" requirements, we can sell the securities in any of your accounts held by us to cover the margin deficiency. You also will be responsible for any shortfall in the account after such as sale.
  • We can sell your securities without contacting you. Some investors mistakenly believe that they must be contacted for a margin call to be valid, and that securities in their accounts cannot be liquidated to meet the call unless they are contacted first. This is not the case. We will attempt to notify you of margin calls, but we are not required to do so. Even if we have contacted you and provided a specific date by which you can meet a margin call, we can still take necessary steps to protect our financial interests, including immediately selling the securities without notice to you.
  • You are not entitled to choose which securities in your account(s) are liquidated or sold to meet a margin call. Because the securities are collateral for the margin loan, we have the right to decide which security to sell in order to protect our interests.
  • We can increase our "house" maintenance margin requirements at any time and are not required to provide you advance written notice. These changes in our policy may take effect immediately and may result in the issuance of a maintenance margin call. Your failure to satisfy the call may cause us to liquidate or sell securities in your account(s).
  • You are not entitled to an extension of time on a margin call. While an extension of time to meet margin requirements may be available to you under certain conditions, you do not have a right to the extension.
If you have any questions or concerns about margin and the margin lending program, please contact your Merrill Lynch Financial Advisor or the 体育平台app Advisory Center.™
Investing involves risk. There is always the potential of losing money when you invest in securities.

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