You have five general categories in which you can invest your money. These categories vary in both risk and return. Which is right for you depends on your individual situation. Be sure to read over carefully the appropriate prospectus or custodial agreement before investing in any fund or account. Some restrict the ability to transfer or withdraw funds.
Actual return is entirely interest and varies with the return earned on the underlying assets.
Interest paid varies with market conditions. There are no restrictions on transfers to other investment options within the plan or on withdrawals. The account has options for larger transfers or withdrawals at retirement or termination and at five-year intervals thereafter. ML guarantees that funds held in the account for five years or longer will be credited more interest than would be credited during that same period to the General Account. The funds are invested in mortgages, direct loans, and real estate.