However, the information generated by the calculator is developed by Merrill Lynch to estimate how current savings and estimated future contributions may help to meet estimated income in retirement. The Personal Retirement Calculator is provided by one or more third party service providers. Results may vary with each use and over time. IMPORTANT: The projections or other information generated by the Personal Retirement Calculator regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results and are not guarantees of future results.
The results should not be relied upon nor should they be deemed as investment advice. The results provided by the Personal Retirement Calculator (PRC) are intended for illustrative purposes only and accuracy is not guaranteed.
RETIREMENT CALCULATOR PYTHON PROGRAM REGISTRATION
Investment adviser registration does not imply a certain level of skill or training. This program is not offered through an advisor. Your recommended investment strategy will be based solely on the information you provide to us for this specific investment goal and is separate from any other advisory program offered with us. The target date fund is thus subject to two levels of fees and a potentially higher expense ratio than would be associated with an investment in a fund that trades directly in financial instruments under the direction of a single manager.Ģ Please review the Merrill Guided Investing Program Brochure at /guided-investing-program-brochure for important information including pricing, rebalancing, and the details of the investment advisory program. Because a target date fund is a “fund of funds,” it will bear its allocable share of the costs and expenses of the underlying investment vehicles in which it invests (including its allocable share of the management fees and incentive compensation payable to the investment managers of such vehicles). These funds are designed to become more conservative over time as the target date approaches. The principal value of these funds is not guaranteed at any time, including at the target date. 1 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.
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