
Returns include fees and applicable loads. Market price returns do not represent the returns an investor would receive if shares were traded at other times. 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.

NAV returns assume the reinvestment of all dividend and capital gain distributions at NAV when paid. Net Asset Value (NAV) returns are based on the prior-day closing NAV value at 4 p.m. For performance information current to the most recent month end, please contact us. Current performance may be lower or higher than the performance quoted. Investment return and principal value will fluctuate so that shares, when redeemed, may be worth more or less than their original cost.

The performance data contained herein represents past performance which does not guarantee future results. All rights reserved.Īsset allocation, diversification, and rebalancing do not ensure a profit or protect against loss in declining markets. Privacy | Security | Advertising practices Advertising Practices Investment products offered through MLPF&S and insurance and annuity products offered through MLLA:Īre Not Insured by Any Federal Government AgencyĪre Not a Condition to Any Banking Service or Activity and affiliated banks, Members FDIC and wholly owned subsidiaries of Bank of America Corporation. (MLLA) is a licensed insurance agency and wholly owned subsidiary of BofA Corp.īanking products are provided by Bank of America, N.A. 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"). 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."). And That Made All The Difference where we talk to people who have made a positive impact on the world, about the moments that changed the course of their lives.įor more insights into how we can help you pursue your financial goals, go to. You can subscribe on Apple podcasts, Google podcasts, Stitcher, or Spotify or wherever you get your podcasts.Īnd while you're there, be sure to check out some of Bank of America's other original podcasts such as The World To Come where we explore life in the future by talking with the visionaries of today. We hope these episodes inspire you to see your financial life in a new light. My co-hosts have been Chris Hyzy, Chief Investment Officer, Merrill and Bank of America Private Bank and Steve Sparks, head of Cyber Security Technology, Bank of America. I'm Candace Browning, head of BofA Merrill Lynch Global Research.

You've been listening to Merrill Perspectives. It's been, I think, a fascinating and really informative conversation. Candace: Well, Steve and Chris, thank you so much for your insights today.
