<PAGE>
MERRILL LYNCH RETIREMENT RESERVES MONEY FUND OF
MERRILL LYNCH RETIREMENT SERIES TRUST
February 29, 1996
Securities and Exchange Commission
450 Fifth Street, N.W.
Judiciary Plaza
Washington, D.C. 20549
Attention: Division of Investment Management
Re: Merrill Lynch Retirement Reserves Money Fund of
Merrill Lynch Retirement Series Trust
Post-Effective Amendment No. 16 to the Registration
Statement on Form N-1A (Securities Act File No. 2-74584;
Investment Company Act File No.811-3310)
--------------------------------------------------------
Ladies and Gentlemen:
Pursuant to Rule 497(j) under the Securities Act of 1933, as amended
(the "1933 Act"), Merrill Lynch Retirement Reserves Money Fund of Merrill Lynch
Retirement Series Trust (the "Trust") hereby certifies that:
(1) the form of prospectus and statement of additional information that
would have been filed pursuant to Rule 497(c) under the 1933 Act
would not have differed from that contained in Post-Effective
Amendment No. 16 to the Trust's Registration Statement on Form N-1A,
constituting the most recent amendment to the Trust's Registration
Statement on Form N-1A; and
(2) the text of Post-Effective Amendment No. 16 to the Trust's
Registration Statement on Form N-1A was filed electronically with
the Securities and Exchange Commission on February 26, 1996.
Very truly yours,
MERRILL LYNCH RETIREMENT RESERVES MONEY
FUND OF MERRILL LYNCH RETIREMENT SERIES
TRUST
By: /s/ Mark B. Goldfus
-----------------------------------
Authorized Officer
