![]() ![]() Additional information is available in our Client Relationship Summary (PDF). Merrill offers a broad range of brokerage, investment advisory (including financial planning) and other services. This material is not intended as a recommendation, offer or solicitation for the purchase or sale of any security or investment strategy. You should also review the fund's detailed annual fund operating expenses which are provided in the fund's prospectus. Prospectuses can be obtained by contacting us.Įxpense Ratio – Gross Expense Ratio is the total annual operating expense (before waivers or reimbursements) from the fund's most recent prospectus. Always read the prospectus or summary prospectus carefully before you invest or send money. Marriage is about compromise, and whether you’ve married for two weeks or twenty years, it’s important to be able to work together with your spouse. Put all of your money together and begin to look at it as a whole. Separating the money and splitting the bills is a bad idea that only leads to more money and relationship problems down the road. This and other information may be found in each fund's prospectus or summary prospectus, if available. It's no longer 'his and her money.' The officiant said, Two become one. 10 year returns are provided for funds with greater than 10 years of history.īefore investing consider carefully the investment objectives, risks, and charges and expenses of the fund, including management fees, other expenses and special risks. In a strong, life-giving marriage, financial responsibility is not just about making money and spending it or saving it. In fact, according to a recent study, 21 percent of divorced adults cited money as the reason for their separation. But here’s the dealit can be challenging to work together on finances. Since Inception returns are provided for funds with less than 10 years of history and are as of the fund's inception date. Marriage is about compromise, and whether you’ve married for two weeks or twenty years, it’s important to be able to work together with your spouse. My husband, Jesse, and I had been married for about four years. Returns include fees and applicable loads. That moment in my marriage when I just couldnt take the financial stress anymore. 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. Asset allocation, diversification, and rebalancing do not ensure a profit or protect against loss in declining markets. Financial issues, if left unresolved, can ruin even the most successful marriages. ![]()
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