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Flexibility to pursue your investing goals with a range of solutions

As a Merrill client, your dedicated advisor will provide you with investment choices that align to your investment objectives, risk tolerance, investment time horizon, and financial situation.


An extended team of investment experts

Your Merrill advisor has the ability to work with other investment professionals in the Firm. Together, they will seek to recommend actionable investment solutions designed to help you achieve your investment goals—including:


  • Access to a wide array of investments that potentially could generate income and diversify your portfolio.
  • Customized investment strategies.
  • Access to a team of traders that seek to provide you with best execution results, including through algorithmic trading tools.
  • Help with complex needs that may require more sophisticated approaches, such as hedging a concentrated stock position.


An extensive lineup of investments

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Equities, also called stocks, represent an ownership interest in a publicly traded corporation and may offer growth potential that can help you meet longer-term goals. Includes common stock, exchange traded funds, closed-end funds, certain listed preferred stocks and American Depositary Receipts.


Exchange Traded Funds (ETFs)

ETFs provide access to passive or actively managed strategies consisting of equity securities, selected and managed by a fund manager, with intraday liquidity through a securities exchange.



Listed Options

Derivative instruments based on underlying assets, such as stocks. An options contract offers the buyer the opportunity to buy or sell—depending on the type of options contract they hold—the underlying asset.



Fixed Income Securities

Bonds issued by companies, governments, states, and municipalities that represent the issuer’s promise to repay the bond face amount, with interest, within a set period of time. Treasury securities, government agencies, brokered certificates of deposit (brokered CDs), corporate bonds, municipal securities and over-the-counter (OTC) preferred securities.


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Mutual Funds

Funds that consist of a portfolio of securities that seek to meet an identified objective, managed by a fund manager, with daily liquidity at the funds’ net asset value (NAV).



Unit Investment Trusts

Static portfolio of securities that is professionally selected by a manager that is constructed to implement a specific investment strategy with redemption at NAV available daily.


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Contracts with an insurance company that provide for the payout of an income stream or a lump-sum amount at a future date. Consists of Fixed indexed annuities, variable indexed annuities, fixed rate annuities, income annuities and variable annuities.


Risk Management Solutions

Risk management solutions include options overlays1, exchange funds and hedging strategies that may help you reduce portfolio volatility, diversify your holdings and mitigate the impact of fluctuating exchange rates, interest rates and market conditions.



Closed-End Funds (CEFs)

CEFs provide access to actively managed strategies managed by a fund manager that is permitted to use leverage or higher allocations to less-liquid securities and that allows for intra-day liquidity through a securities exchange.



Brokered Certificates of Deposit (CDs)

Brokered CDs offered through a broker-dealer are a deposit instrument issued by a bank or savings association that typically pays periodic interest at a fixed rate for a specified period of time.

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New Issues

Access to new issue debt and equity offerings at the time of issuance, allowing you to purchase at par or the offering price.



Market Linked Investments(MLIs)2

MLIs are debt instruments linked to the performance of an underlying market measure, like an index, with targeted risk and return characteristics.


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Alternative Investments3

Non-traditional, commingled investment vehicles that generally include hedge funds, private equity funds, and real assets. They may offer exposure to a broader range of markets and securities, including less liquid assets, and/or may employ investment strategies and techniques typically not found in registered investment companies.

You may only have access to certain limited brokerage services, based on the qualifications of your advisor and our policies. Should you have a need for other solutions relating to brokerage recommendations, then you will be referred to another appropriate advisor, if that is what you indicate.


See how our investment capabilities can help you

To learn more about our investments capabilities, talk to your Merrill advisor.


Things to consider

  • Is your current investment approach helping you make progress towards your investment goals?
  • Are you interested in investment strategies that can help protect your investments against future market volatility?
  • How are you managing the tax implications of your investing decisions?

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Whether you’re defining goals, addressing change or figuring out how to move forward, Merrill and Bank of America offer a widge range of solutions to help you take the next step to stay on track.

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Our financial advisors are committed to putting your investing needs and priorities first. Here’s how you can get started with an advisor:


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1 Options overlay strategy is for accredited investors only.


2 Market Linked Investments are for accredited and eligible investors only.


3 Alternative investments generally are for investors that qualify as accredited investors and qualified purchasers.


Asset allocation, diversification and rebalancing do not ensure a profit or protect against loss in declining markets.


Investing involves risk, including the possible loss of principal. Past performance is no guarantee of future results


Equity securities are subject to stock market fluctuations that occur in response to economic and business developments.


Investing in fixed-income securities may involve certain risks, including the credit quality of individual issuers, possible prepayments, market or economic developments and yields and share price fluctuations due to changes in interest rates. When interest rates go up, bond prices typically drop, and vice versa.


Mutual Funds, new issue ETFs and CEFs, and UITs are offered pursuant to a prospectus, which contains the investment objectives, risks, charges and expenses and other important information about the UIT or fund. Investors should read the prospectus and carefully consider this information before investing. Please contact your Merrill Lynch Wealth Management Advisor for a prospectus.


Risk management and diversification processes seek to mitigate, but cannot eliminate risk, nor do they imply low risk.


Market-Linked Investments may not be in the best interest of all investors. Market-Linked Investments typically do not pay periodic income, and returns (if any) on the investments are paid at maturity, subject to the credit risk of the issuer. Unlike traditional fixed-income securities, Market-Linked Investments are generally not principal protected. As an investor in Market-Linked Investments, you may lose all or portion of your investment.


Alternative investments such as derivatives, hedge funds, private equity funds, and funds of funds can result in higher return potential but also higher loss potential. Changes in economic conditions or other circumstances may adversely affect your investments. Before you invest in alternative investments, you should consider your overall financial situation, how much money you have to invest, your need for liquidity, and your tolerance for risk. Alternative investments are speculative and involve a high degree of risk. An investor could lose all or a substantial amount of his or her investment. There is no secondary market nor is one expected to develop and there may be restrictions on transferring fund investments. Alternative investments may be leveraged and performance may be volatile. Alternative investments have high fees and expenses that reduce returns and are generally subject to less regulation than the public markets. The information provided does not constitute an offer to purchase any security or investment or any other advice.



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