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.

¨C 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¡ª

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.

? 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.

¨C ¡°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).

? Beyond the depth and breadth of our fund choices, you

can benefit from:

? Large-cap companies, such as those represented on

the Dow Jones Industrial Average, are generally

considered less volatile investments than mid- or

small-caps.

¨C Services for automated investment that allow you to

benefit from dollar cost averaging and systematic

withdrawal

? 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 BofA? Global Capital Management.

¨C ¡°Style¡± refers to the fund¡¯s overall investment strategy¡ª

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.

¨C ¡°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

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

* Eligible for subsequent purchases only.

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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

Dean

* Eligible 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.

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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 largecapitalization 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

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