Footnote
Asset allocation, diversification, and rebalancing do not ensure a profit or protect against loss in declining markets.
Diversification does not ensure profit or protect against loss in declining markets.
The target date (or retirement date, as applicable) for these funds is the approximate date when an investor plans to start withdrawing the assets from their retirement account. The principal value of these funds is not guaranteed at any time, including at the target date. These funds are designed to become more conservative over time as the target date approaches.
Merrill Edge Select
® Funds meet a proprietary screening process developed by the Chief Investment Office (CIO) of Merrill. The listing contains no-load funds with no transaction fees and load-waived funds that are open for new and subsequent purchases. Available funds have a minimum initial investment of no more than $3,000. Each fund must have $100 million or greater ($500 million for Large Cap funds) in assets under management across all share classes offered by the fund. Note that index funds are not included in Merrill Edge Select
® Funds. To learn more about the Merrill Edge Select
® Funds methodology go to
merrilledge.com/MESFunds
When you purchase No Load, No Transaction Fee funds (NTF) or Load Waived funds, you will not pay loads, transaction fees or commissions. A Merrill Edge short term redemption fee of $39.95 is charged on redemptions or exchanges of NTF funds that are held less than 90 days. There are costs associated with owning a mutual fund, such as annual operating fees and expenses. For more information about investing in mutual funds at Merrill, please read the Mutual Fund Investing at Merrill Lynch pamphlet at
ml.com/funds.
No investment plan is risk free, and a systematic investment plan does not ensure profits or protect against losses. This program is recommended for long-term investing in mutual funds. Since Automatic Investment Plans (AIPs) involve continual investment in securities regardless of fluctuating prices, you should consider your financial ability to continue investing through periods of low price levels. Your AIP purchases may be on margin. Borrowing on margin and using securities as collateral involves certain risks. Margin is not appropriate for all investors. Please refer to your Margin Agreement which outlines the risks associated with borrowing on margin.
Footnote
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,
Member Securities Investor Protection (SIPC) popup and a wholly owned subsidiary of Bank of America Corporation ("BofA Corp").
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