Yes, Merrill Lynch (now known simply as Merrill, part of Bank of America) offers several ways to invest in gold. You typically won’t buy physical gold bars or coins directly through them, but you can gain exposure through: Gold ETFs (exchange-traded funds that track gold prices) Gold mutual funds Mining company stocks Gold futures or […]
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Bank of America’s Advantage Savings account has very low base rates, and Gold tier (Preferred Rewards, requiring $20,000 to $49,999 in combined balances) gives a booster of at least 5% on top of the standard rate. Recent published rates show Gold tier savings at just 0.02% APY, since the base rate is already minimal. The
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StoneX Bullion is part of StoneX Group Inc., an international financial services firm headquartered in New York City, USA. The bullion trading arm itself, formerly known as FCStone Bullion or Carr Futures before various acquisitions, operates internationally, with significant trading and operational hubs in London, UK, one of the world’s major centers for precious metals
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Retirees face a different math problem than younger investors. A 35-year-old can wait out a 30% market drop over a decade of paychecks. A 70-year-old drawing income from a portfolio does not have that luxury, since selling depressed assets to cover living expenses locks in losses permanently. That reality has pushed retirement savers toward a
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Retirees with seven-figure portfolios face a different set of problems than the average saver. The question isn’t whether there’s enough money to last, it’s how to move that money through required distributions, estate transfers, and market swings without losing more of it to taxes than necessary. Annuities solve specific structural problems that stocks and bonds
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Moving money from an IRA into an annuity is a common retirement move, and when it’s done correctly, it doesn’t trigger any tax bill at all. The process hinges on one detail most people get wrong: whether the money moves directly between custodians or passes through your hands first. Get that part right, along with
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Retirement savers are asking a version of the same question every time inflation ticks up or the stock market wobbles: where can this money sit without losing value or disappearing overnight. The answer depends less on chasing the highest number on a rate table and more on understanding what “safe” actually means for federally insured
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“Best” depends on your timeframe and goals, but a few T. Rowe Price funds stand out in 2026. Among ETFs, the T. Rowe Price Natural Resources ETF (TURF) led performance, up about 16% year to date as of mid-February, driven by a commodities rally. Among mutual funds, the T. Rowe Price Capital Appreciation and Income
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A $100,000 life insurance policy typically sells for somewhere between $10,000 and $30,000 in a life settlement, though the exact figure depends heavily on your age, health status, and the type of policy you own. Older sellers with serious health conditions often receive offers closer to the higher end, sometimes 20 to 30 percent of
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Choosing where to park cash for growth and safety usually comes down to two very different products: a high-yield savings account (HYSA) and a fixed indexed annuity (FIA). One is a bank deposit account built for liquidity. The other is an insurance contract built for long-term, tax-deferred growth with downside protection. Both promise safety of
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