Perspectives on: Rising Rates, Retirement Savings, Open Enrollment

From loans to investing: the impact of rising rates.

Find an Advisor How Could Rising Interest Rates Affect Your Wallet? This infographic offers a snapshot of how your finances could be affected—from the cost of borrowing to your investment return. Check it out Save More for Retirement The five tips in our slideshow can help you stay on course for your retirement goals. Read more Making Financial Sense of Your Health Benefits PPOs, HSAs, FSAs, and more—the alphabet soup of health-care options can be confusing. Use this guide as you consider your open enrollment decisions. Learn more 3 Financial Tips for Working Parents Saving for your kids' future college costs can feel like a stretch when you're already paying for day care. These ideas can help you juggle both. Read more Reader Resources Find the right advisor for you Why a Merrill Lynch advisor? Explore your goals Sitemap  •  Privacy & Security  •   Legal Information  •  MLPF&S Financial Statements  •  ML.com If you prefer not to receive future emails related to Merrill Lynch Perspectives, click here. Merrill Lynch makes available products and services offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLPF&S), a registered broker-dealer and Member Securities Investor Protection Corporation (SIPC), and other subsidiaries of Bank of America Corporation. Insurance and annuity products are offered through Merrill Lynch Life Agency Inc., a licensed insurance agency and wholly owned subsidiary of Bank of America Corporation. Credit and banking products are provided by Bank of America, N.A. and affiliated banks, Members FDIC and wholly owned subsidiaries of Bank of America Corporation. Neither Bank of America Corporation nor any of its affiliates or financial advisors provide legal, tax or accounting advice. You should consult your legal and/or tax advisors before making any financial decisions. Trust and fiduciary services are provided by U.S. Trust, a division of Bank of America, N.A., Member FDIC, or U.S. Trust Company of Delaware. Both are wholly owned subsidiaries of Bank of America Corporation. Investing in securities involves risks, and there is always the potential of losing money when you invest in securities. Investment products, insurance and annuity products: Are Not FDIC Insured Are Not Bank Guaranteed May Lose Value Are Not Deposits Are Not Insured by Any Federal Government Agency Are Not a Condition to Any Banking Service or Activity MLPF&S and Bank of America, N.A. make available investment products sponsored, managed, distributed or provided by companies that are affiliates of Bank of America Corporation or in which Bank of America Corporation has a substantial economic interest. © 2018 Bank of America Corporation. All rights reserved. ARSTHH7D