Explore Your Market-Linked GIC Investment Timelines

Short-term BMO Progressive GICs

BMO Bank of Montreal offers BMO Progressive GIC solutions for investors with an investment horizon of two years or less.

• BMO Return Enhancing GIC

Principal-protected short-term solution with a guaranteed rate, plus the potential for enhanced returns based on the performance of select blue chip companies.

Invest in a BMO Progressive GIC today
Start earning the benefits of guaranteed principal protection with potentially higher returns today. For more information:

• Visit a BMO Bank of Montreal branch

Medium-term BMO Progressive GICs

BMO Bank of Montreal offers a broad selection of BMO Progressive GICs to suit investors with the specific investment horizon of 2 to 4 years. These solutions offer returns linked to the performance of various market indices (including foreign markets), mutual funds and stocks, while continuing to protect your principal. With BMO Progressive GICs, you can choose between ”maximum returns” or “participating returns” – whichever works better for you.

• Maximum returns – You will receive 100% of the returns generated by the underlying asset up to a pre-set maximum or capped rate of return
• Participating returns – The rate of return earned by the investor is a pre-set percentage of the potential return of the underlying asset. For example, if the underlying asset increases by 40% over the term of the investment, with a participation rate of 60%, you will receive 24%, in other words 60% of the 40% increase

The following are the available medium-term BMO Progressive GICs:

BMO Dividend Fund Linked GIC
Principal protected solution with the opportunity to earn potentially higher returns (at a set participation rate) linked to the performance of the BMO Dividend Fund.

BMO Income Enriched GIC
Medium-term investment offering a combination of reliable annual income plus the potential for additional income paid at maturity, based on the performance of select market indices. 

BMO Select GIC
Medium-term solution that provides principal protection with the potential for higher, sector-specific index-linked returns (up to a pre-set maximum).

BMO Growth GIC
Medium-term solution that provides principal protection with the potential for higher, equity-linked returns (up to a pre-set maximum).

BMO S&P/TSX 60 Market Index GIC
Principal protected solution with the potential for higher returns (at a set participation rate) based on the performance of the broad Canadian market index for stocks (S&P/TSX 60^TM Index).

BMO S&P 500 Market Index GIC
Principal protected solution with access to potentially higher returns (at a set participation rate) based on the performance of a broad measure of the U.S. stock market (S&P 500^TM Index).

BMO G7 Market Index GIC
Principal protected solution where investors benefit (at a set participation rate) from participating in the performance of a diversified portfolio of broad based market indices from the G7 countries (Canada, U.S., Japan, U.K., Germany, France and Italy).

Invest in a BMO Progressive GIC today
Start earning the benefits of guaranteed principal protection with potentially higher returns today. For more information:

• Visit a BMO Bank of Montreal branch

Long-Term BMO Progressive GICs

BMO Bank of Montreal offers a broad selection of BMO Progressive GICs to meet the needs of investors with an investment horizon of 5 or more years. These solutions offer returns linked to the performance of various market indices (including foreign markets), mutual funds and stocks, while continuing to protect your principal. BMO Progressive GICs have two return options:

• Maximum returns – You will receive 100% of the returns generated by the underlying asset up to a pre-set maximum or capped rate of return
• Participating returns – The rate of return earned by the investor is a pre-set percentage of the potential return of the underlying asset. For example, if the underlying asset increases by 40% over the term of the investment, with a participation rate of 60%, you will receive 24%, in other words 60% of the 40% increase

BMO Top Performing Portfolio GIC

Principal protection and an all-in-one, longer-term solution that offers performance (at a set participation rate) linked to the return generated by whichever of the three underlying portfolios had the highest return

BMO Dividend Fund Linked GIC
Principal protected solution with the opportunity to earn potentially higher returns (at a set participation rate) linked to the performance of the BMO Dividend Fund

BMO S&P/TSX 60 Market Index GIC
Principal protected solution with the potential for higher returns (at a set participation rate) based on the performance of the broad Canadian market index for stocks (S&P/TSX 60^TM Index)

BMO S&P 500 Market Index GIC
Principal protected solution with the opportunity to generate potentially higher returns (at a set participation rate) based on the performance of a broad measure of the U.S. stock market (the S&P 500^TM Index)

BMO G7 Market Index GIC
Principal protected solution where investors benefit from participating (at a set participation rate) in the performance of a diversified portfolio of broad based market indices from the G7 countries (Canada, U.S., Japan, U.K., Germany, France and Italy)

BMO Callable Equity Linked GIC
Principal protected solution with the potential for higher index-linked returns (at a set participation rate) if the GIC is not called by BMO Bank of Montreal, or the opportunity for income at a premium rate if the GIC is called by BMO Bank of Montreal

Invest in a BMO Progressive GIC today
Start earning the benefits of guaranteed principal protection with potentially higher returns today. For more information:

• Visit a BMO Bank of Montreal branch