PDF Mutual Funds at Merrill Lynch

Mutual Funds at Merrill Lynch

Merrill Lynch offers a comprehensive range of mutual fund investment options that include more than 5,400 funds from 270 mutual fund companies. This competitive offering is supported by proprietary analysis and professional advice to help investors select the most appropriate funds for their investment strategy.

Why should you consider mutual funds at Merrill Lynch?

If you want to build a portfolio that is closely aligned with your wealth management objectives while benefiting from the professional advice and guidance of your Financial Advisor, consider mutual funds at Merrill Lynch.

What are the benefits of mutual funds at Merrill Lynch?

Choose from more than 5,400 funds

? Merrill Lynch offers a comprehensive range of mutual funds to suit every kind of investor and investment strategy.

? You have access to more than 5,400 funds from 270 fund families.

? Equity mutual funds allow investors to benefit from the long-term potential of equity investing without the concentrated risks associated with investing in a small number of companies.

? In addition to equity mutual funds, you can select from a wide range of fixed income funds, either taxable or taxexempt, such as municipal bond funds.1 You also have a choice of balanced funds that combine equity and fixed income securities.

? Beyond the depth and breadth of our fund choices, you can benefit from:

? Services for automated investment that allow you to benefit from dollar cost averaging and systematic withdrawal

? Fee-based advisory programs to address your long-term investment strategy with ongoing advice

Your Financial Advisor can give you more information about these services and programs.

Customize your mutual fund investments

To make sure your mutual fund choices suit your long-term investment strategy, you, with the help of your Financial Advisor, can identify your individual needs, goals, risk tolerance, investment time horizon and liquidity needs. This will serve as the basis of your asset allocation model-- chosen from a spectrum that ranges from conservative to aggressive.

Your Financial Advisor uses proprietary analysis tools to help you select appropriate funds for your individual profile, investment objectives and asset allocation model.

Diversify your investment allocations

? Using your asset allocation, you and your Financial Advisor can diversify your fund holdings by size, style and sector.

? "Size" refers to the size of a portfolio company's capitalization or total market value, generally divided into small-cap (a total market value of less than $1 billion), mid-cap (between $1 billion and $5 billion) and large-cap (over $5 billion).

? Large-cap companies, such as those represented on the Dow Jones Industrial Average, are generally considered less volatile investments than mid- or small-caps.

? Small-caps may have the potential for higher returns but usually carry greater risks.2

Merrill Lynch Wealth Management makes available products and services offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated ("MLPF&S") and other subsidiaries of Bank of America Corporation ("BAC").

Investment products:

Are Not FDIC Insured

Are Not Bank Guaranteed

May Lose Value

MLPF&S is a registered broker-dealer, a registered investment adviser and Member SIPC.

Merrill Lynch makes available certain investment products sponsored, managed, distributed or provided by companies that are affiliates of BAC or in which BAC has a substantial economic interest, including BofATM Global Capital Management.

? "Style" refers to the fund's overall investment strategy-- typically value, growth or a blend. Value funds typically invest in stocks with low prices relative to earnings or assets. Growth funds generally invest in stocks with potential for above-average earnings and growth rates.

? "Sector" refers to the type of industry in which a fund's assets are invested, including areas such as energy, utilities, health care and technology.

? To help reduce the risks of market volatility, your Financial Advisor can help you implement diversification in your overall investment strategy using an effective combination of mutual funds.

? Diversification and asset allocation do not ensure a profit or protect against a loss in declining markets.

Benefit from dollar cost averaging

? Dollar cost averaging may be an effective strategy for executing a long-term mutual fund investment plan.

? Merrill Lynch's Automated Investment Program enables you to easily implement a dollar cost averaging strategy to invest regular fixed amounts in specific mutual funds on an ongoing basis.

? You can invest monthly, quarterly, annually or on any other regular schedule that you choose.

? This technique ensures that you buy more shares when prices are low and fewer when prices are high, resulting in a lower average cost per share. It builds a portfolio over time while limiting the effect of the volatility and unpredictability of stock market cycles.

? Neither dollar cost averaging nor any other systematic investment program ensures a profit or protects against losses in a declining market.

Fund families available at Merrill Lynch

Aberdeen Alger AllianceBernstein Allianz Alpine ALPS Altegris American Century American Funds AMIDEX Angel Oak Aquila Arrow Aurora BlackRock Brookfield Calamos Calvert Cohen & Steers Columbia Credit Suisse Davis Delaware Diamond Hill Dreyfus DWS Investments

Eagle Eaton Vance Emerald Equinox FAMCO/ARI MLP Federated Fidelity Advisor First Eagle Forward FPA Franklin Templeton Gabelli Goldman Sachs Hancock Horizon Hartford Hatteras Henderson Global Highland Hotchkis and Wiley Huntington ICON ING Invesco ISI* IVA IVY

* Eligible for subsequent purchases only.

Janus John Hancock JPMorgan Keeley Kinetics Lateef Legg Mason Lord Abbett Mainstay MFS Munder Nationwide Natixis Neuberger Berman Nomura Nuveen Olstein Oppenheimer Pacific Life PIMCO Pioneer PNC Poplar Forest Principal Prudential Putnam

Quaker Ramius Ridgeworth RS Investments Russell Security Global Sentinel Snow Stadion Sterling SunAmerica Thornburg Timothy Plan Touchstone Transamerica Transparent Value UBS Van Eck Victory Virtus Wells Fargo WHV Zacks

2

Merrill Lynch's fee-based programs also include the following fund families:

Absolute Strategies AH Lisanti AKRE Amana American Beacon Ameristock Angel Oak Appleseed AQR Arbitrage Ariel Artio Global Artisan Aston Ave Maria Avenue Capital Baird Baron BBH Beck, Mack & Oliver BMO Brandywine Bright Rock Brookfield Brown Advisory Buffalo Caldwell Orkin Cambiar Causeway CBRE Clarion Century Capital Champlain Chase Commerce Community Capital

Management Conestoga CRM Cullen * EDligeiabnle for subsequent purchases only.

Direxion Dodge & Cox* Domini DoubleLine Dreyfus Driehaus Dundee Wealth Advisors Edgewood Fairholme FAM Funds Fidelity* Firsthand Forester Fund X Gerstein Fisher Glenmede Gotham GRT Guinness Atkinson Harbor Harding Loevner Hennessy Hodges Huntington Hussman Funds Intrepid Iron Funds James Investment Jensen Jordan Kalmar Laudus Lazard Leader Capital Leuthold Litman Gregory LKCM Loomis Sayles Madison Managers Funds

Marketfield Marsico Matrix Matthews M.D. Sass Merger Merk Metropolitan West Morgan Stanley* Muhlenkamp Needham NorthCoast Northern Trust Oak Associates Oakmark Oak Value Oberweis Osterweis Paradigm Parnassus Pax World Payden & Rygel Pear Tree Pekin Singer Strauss Permanent Perritt Polaris Polen Portfolio 21 Praxis PrimeCap Odyssey Profunds Prospector Rainier RBC REMS Group Rice Hall James RiverPark Robeco Roosevelt

Royce Rydex Satuit Saturna Schroder Scout Shelton Sierra Smead Sound Shore State Street Global Advisors Sterling Stewart Capital Stratton T. Rowe Price TCW Third Avenue Thomas White Thompson Plumb TIAA-CREF Tocqueville Turner Tweedy Browne U.S. Global USAA USA Mutual Vanguard* Villere Vulcan Walthausen Wasatch Weitz Westcore Western Asset Management William Blair Wilshire Wintergreen Wright Wright Fund Management

This list is current as of September 1, 2013, and is subject to change. Some funds may be closed to new investors.

3

How can you get started? If you want to construct a portfolio that reflects your wealth management objectives, ask your Merrill Lynch Financial Advisor how mutual funds can help you pursue the life you've always envisioned. Your Financial Advisor, who is committed to understanding your specific needs, can look at your finances in total and help you develop customized strategies that fit your goals, risk tolerance, investing style, time horizon and liquidity needs. To learn more about other Merrill Lynch services, visit

As with other investments, mutual funds are subject to market conditions and other associated risks. There is no guarantee that any specific fund or investment strategy will meet its investment objectives. For more complete information on any mutual fund, please request a prospectus and/or, if available, a summary prospectus from your Merrill Lynch Financial Advisor and read it carefully. Before investing, carefully consider the investment objectives, risks, and charges and expenses of the fund. This and other information may be found in the fund's prospectus and/or, if available, summary prospectus.

1 Tax-exempt income may subject investors to the alternative minimum tax. 2 Smaller-capitalization companies typically have a higher risk of failure and historically have experienced a greater degree of market volatility than large-

capitalization companies. The Bull Symbol, Merrill Lynch and Merrill Lynch Wealth Management are trademarks of Bank of America Corporation. All other trademarks are the property of their respective owners. ? 2013 Bank of America Corporation. All rights reserved. | ARWNCAC6| L-05-13 | Code 207936PM-0513

4

 ................
................

In order to avoid copyright disputes, this page is only a partial summary.

Google Online Preview   Download