Every day, reams of economic information makes its way to you through newspapers, magazines, television and on the Web. The challenge is to understand where the true financial opportunities lie and whether they can be translated into actionable ideas that match your investment plan.

That’s where the monthly RIC Report can help you. Created by the BofA Merrill Lynch Research Investment Committee (RIC), the report compiles the key research data generated by BofAML Global Research every month and presents it in a thorough, easy-to-read format that provides insightful analysis and specific investment ideas. Each issue includes a recap of financial markets, a checklist of investment themes and actionable ideas, and global recommendations across major market sectors. There are also mid-year score cards, U.S. and global economic forecasts and stock lists, as well as recommended allocation models based on a variety of risk profiles.

Of course, the best way to put the RIC Report to work for you is to talk with a Merrill Lynch Advisor about specific opportunities that interest you. Together you can take advantage of our world-class research to help you keep your long-term investment plan on track.

International investing presents certain risks not associated with investing solely in the U.S. These risks include fluctuations in the value of the U.S. dollar relative to the value of other currencies, political risks, differences in accounting procedures and the lesser degree of public information required to be provided by non-U.S. companies. These risks are magnified for investments made in emerging markets. Individual investors are generally advised to participate in international markets, and emerging markets in particular, through investment vehicles that may provide diversification such as mutual funds, closed-end funds and exchange-traded funds, rather than by purchasing individual equities.