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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.

Limited-time bonus:
Earn 2.00% interest on new deposits until March 31, 20162

 


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 years3.

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

Online Investing

Self-directed
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.

BMO SmartFolio
With BMO SmartFolio, we match you with a portfolio that best meets your investing needs. It’s affordable and managed by BMO portfolio experts, making online investing effortless. Invest as little as $5,000.



 

adviceDirect
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.

1,3 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 106 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 106 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.

2 The interest rate of 2.00% is comprised of the posted interest rate of 0.50% plus a bonus interest rate of 1.50%. The interest rate (both posted and bonus rates) may be changed at any time without notice. Current interest rates are available in BMO branches where TFSA Savings Accounts are available, at bmo.com/rates and by calling 1-877-225-5266. The posted interest rate applies to the entire balance in your TFSA Savings Account. The bonus interest rate only applies to the portion of the balance in your TFSA Savings Account that exceeds the closing balance as of January 5, 2016. The posted interest and the bonus interest are each calculated on the daily closing balance and payable monthly as of the last day of the month. Interest rates are per-annum. Offer may be changed or withdrawn at any time without notice.

* Based on year-to-date sales as of September 30, 2015. BMO Mutual Funds are offered by BMO Investments Inc., a financial services firm and a separate legal entity from Bank of Montreal. Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the fund facts or prospectus before investing. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated.