![]() Always read the prospectus or summary prospectus carefully before you invest or send money. This and other information may be found in each fund's prospectus or summary prospectus, if available. 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. Since Inception returns are provided for funds with less than 10 years of history and are as of the fund's inception date. 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. If you fail to complete the rollover within 60 days, all or part of the money distributed to you will be taxable and a 10% additional tax for early withdrawals may apply.Īsset allocation, diversification, and rebalancing do not ensure a profit or protect against loss in declining markets. ![]() If you wish to rollover the entire distribution, you must make up the 20% withholding out of your own funds, or you will be subject to income taxes and possibly early withdrawal penalties on the shortfall. When such a distribution is made by the plan, the plan is required by law to withhold 20% of the taxable amount for prepayment of federal income taxes. A direct rollover is not subject to current tax or penalties.Īn indirect rollover occurs when you request that a rollover check be made payable to you, after which you deposit the money into your IRA or another employer's retirement plan within 60 days. ![]() You should consult your legal and/or tax advisors before making any financial decisions.Ī direct rollover occurs when you request that a rollover check be made payable directly to the new custodian for the benefit of your individual retirement account (IRA) or employer-sponsored retirement plan. Merrill, its affiliates, and financial advisors do not provide legal, tax, or accounting advice. ![]()
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