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BMO Investments

Do-it-yourself or get professional advice to find the investment options that work for you, from savings plans to RSPs, to GICs and more.

Savings Plans

Retirement Savings
Explore the many options available to help you plan for your future and live the retirement lifestyle you want.

Tax-Free Savings Account (TFSA)
Save without taxes cutting into your investment profits.


Disability Savings
Invest in a brighter future by providing long-term financial security for people with disabilities.

Education Savings
Fund your children's education and keep on top of rising costs with a Registered Education Savings Plan (RESP) or our other investment options.

Investment Certificates and Mutual Funds

Guaranteed Investment Certificates (GICs)
Offers a flexible range of safe and flexible investment options with competitive returns.

Featured Offer: Market-linked 4-year BMO® Growth GIC
Earn up to 16% at the end of the 4 years1.

Mutual Funds
Gives you the opportunity to pool your money with other investors in a professionally managed investment portfolio.

Online Investing

Our award-winning service is suited for you if you are confident making your own investment decisions and want to manage your portfolio independently. Invest in fixed income, equities and options, Exchange Traded Funds, mutual funds and more.


This service, the first of its kind in Canada, offers independent investing with unbiased advice. Access support from investment specialists; receive continuous portfolio monitoring and recommendations based on quantitative analysis to ensure you are making the right decisions. The minimum amount to open an account is $50,000 and fees are based on assets.

Exchange Traded Funds (ETFs)

ETF Investment Options
Choose from a range of fixed income and equity funds that trade on a stock exchange.

1 BMO Growth GICs are issued by Bank of Montreal Mortgage Corporation and guaranteed by Bank of Montreal. The principal amount of a BMO Growth GIC is guaranteed and is repayable upon maturity, but there is no guarantee of earning any return linked to the performance of the underlying securities. The rate of return for the term payable, if any, will be the return on the portfolio of investments, which are the basis for calculating the return on the 4-year BMO Growth GIC (the “Reference Portfolio”) subject to the following: the rate of return for the term will not be less than zero or more than the maximum rate of return for the 4 year term, which for the BMO Growth GIC series 102 is 16%. The return on the Reference Portfolio, if any, is determined without reference to any dividends or distributions paid on the securities and is the simple average of the percentage changes in the value of each underlying security in the Reference Portfolio over the term of the BMO Growth GIC. The rate of return for the term: (i) is not compounded; (ii) as set out in this advertisement is based on the BMO Growth GIC series 102 and the maximum rate of return for the term is subject to change between series; and (iii) is not an annual rate but is the rate of return over the entire term of the BMO Growth GIC. If market disruptions or other special circumstances affect the calculation of the return, the calculation agent may adjust or delay the calculation or payment of interest, estimate the value of an underlying security, replace a security and/or determine the amount of interest, if any, that may be payable in an alternate manner. The terms and conditions for BMO Growth GICs are available at your local BMO Bank of Montreal branch. BMO Growth GICs are not available in RSPs if the BMO Growth GIC’s maturity date is after the date you are required to convert your RSP to a RIF.