merrill edge investor education

investment return and principal value will fluctuate so that shares, when redeemed, may be worth more or less than their original cost. current performance may be lower or higher than the performance quoted. nav returns assume the reinvestment of all dividend and capital gain distributions at nav when paid. market price returns are based on the prior-day closing market price, which is the average of the midpoint bid-ask prices at 4 p.m. et. since inception returns are provided for funds with less than 10 years of history and are as of the fund’s inception date.

before investing consider carefully the investment objectives, risks, and charges and expenses of the fund, including management fees, other expenses and special risks. this and other information may be found in each fund’s prospectus or summary prospectus, if available. expense ratio – gross expense ratio is the total annual operating expense (before waivers or reimbursements) from the fund’s most recent prospectus. this material is not intended as a recommendation, offer or solicitation for the purchase or sale of any security or investment strategy. merrill offers a broad range of brokerage, investment advisory (including financial planning) and other services. banking products are provided by bank of america, n.a.

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