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Investment options

BMO SelectTrust® Portfolios

Six strategically managed, risk differentiated portfolios that combine our best investment ideas in one easy-to-use portfolio. You have the option to choose a portfolio with a risk level that's suitable for you.

BMO SelectTrust® Portfolios provide diversified market and asset exposure through a series of six risk differentiated portfolios. They leverage our best investment ideas in both active and passive investing and may be used as a core portfolio holding. Benefits include:

  • Simple all-in-one solution that saves you valuable time
  • Professional portfolio management with ongoing monitoring
  • Greater choice with a broad suite of portfolio options
  • Our best investment ideas using active and passive investing
  • Portfolios that target a potential maximum return for a given level of risk
  • They can be used as a core holding in your portfolio

BMO ETF Portfolios

These are strategically managed, risk differentiated portfolios that give investors access to many of the benefits of BMO Exchange Traded Funds (BMO ETFs) through easy-to-use mutual funds. You have the option to choose a portfolio with a risk level that's suitable for you.

BMO ETF Portfolios provide diversified market and asset exposure through a series of risk differentiated portfolios invested primarily in BMO ETFs. They leverage our best investment ideas and may be used as a core portfolio holding. Benefits include:

  • Simple all-in-one solution that saves you valuable time
  • Diversified portfolios of ETFs combined in a single mutual fund
  • Portfolios that target a potential maximum return for a given level of risk
  • Professional portfolio management with ongoing monitoring
  • They can be used as a core holding in your portfolio
  • Lower cost structure than other managed programs

BMO ETF Portfolios (Series A)


BMO Retirement Portfolios

A series of three risk-based portfolios designed specifically to help investors, who are at or entering retirement, manage their wealth. The Retirement Portfolios will help reduce your exposure to market declines while still maintaining some growth potential.

The Retirement Portfolios:

  • Are for investors who are at or approaching retirement
  • Seek to reduce portfolio volatility while providing the potential for some growth
  • Follow a strategic asset allocation strategy
  • Are available in Series T6 for those looking for a solution that provides regular monthly cash flow

BMO Target Education Portfolios

The BMO Target Education Portfolios are specifically designed to meet the needs of individuals saving for their child’s post-secondary education. Simply match your child’s year of birth to the portfolio date closest to when you think they will head off to school and we will take care of the rest.

BMO Target Education Portfolios offer:

  • A professional managed portfolio
  • A portfolio that is specifically designed with your child in mind
  • BMO Asset Management Inc.’s best investment ideas

BMO SelectClass® Portfolios

Designed for investors whose goal is tax-efficient accumulation of capital through features such as tax-deferred growth and tax-efficient monthly cash flow. Choose a portfolio to match the level of risk you're comfortable with.

BMO SelectClass Portfolios are a series of four risk differentiated portfolios constructed within a corporate class structure2 to allow you to accumulate capital in a manner as tax-efficient as possible. You can benefit from:

  • Tax-deferred growth potential
  • Tax-efficient monthly cash flow from Series T6
  • Tax-free switching between other SelectClass Portfolios and classes of BMO Global Tax Advantage Fund Inc.
  • Automatic portfolio rebalancing
  • Professional money management

2Each BMO SelectClass Portfolio is a class of BMO Global Tax Advantage Funds Inc. BMO Global Tax Advantage Funds Inc. is a separate entity managed by BMO Investments Inc. a financial services firm and separate entity from Bank of Montreal.


BMO Fixed Cash Flow Plus Deposit

BMO Fixed Cash Flow Plus Deposit provides a tax efficient distribution regardless of market conditions, while maintaining growth potential through exposure to a diversified portfolio of equities and fixed income.

For investors seeking a guaranteed cash flow regardless of market conditions, while maintaining growth potential through exposure to a diversified portfolio of equities and fixed income.

Clients benefit from:

  • Guaranteed, predictable monthly cash flow
  • Tax efficient distributions
  • Protection from market volatility
  • An ideal solution for investors at or near retirement age requiring a fixed monthly cash flow
  • Exposure to the growth potential of a portfolio of BMO Mutual Funds
  • Lifecycle asset allocation with systematic rebalancing features
View Series Information

Legal Disclaimer:

Capital distributions are repayments of principal that will reduce the principal amount invested in the BMO Fixed Cash Flow Plus Deposit (“Cash Flow Deposit”) and the investor’s adjusted cost base of the Cash Flow Deposit.

Investors should consult their own tax advisors for advice with respect to the tax consequences of an investment in Cash Flow Deposits, based on their particular circumstances.

Cash Flow Deposits do not represent deposits insured under the Canada Deposit Insurance Corporation Act or any other deposit insurance regime. Capitalized terms used and not otherwise defined herein have the meanings given to them in the Master Information Statement dated August 1, 2014.

Investments in the Cash Flow Deposits are not mutual fund investments. They are investments in principal protected deposit notes issued by Bank of Montreal and will constitute direct, unsecured and unsubordinated debt obligations of Bank of Montreal. Details regarding the calculations and payments of interest, the Fixed Cash Flow Plus Portfolio (Cash Flow Portfolio), capital distributions, certain risk factors and certain federal income tax considerations of investing in the Cash Flow Deposits will be contained in the Master Information Statement, which will be available through your branch investment professional or on our public website at ww.bmo.com/fixedcashflow.

This summary is issued for information purposes only to provide a general overview of the Cash Flow Deposits and does not constitute investment advice or an offer to sell or a solicitation to purchase. An investment in Cash Flow Deposits is subject to certain risks, which investors should consider and, in particular, should evaluate the specific risk factors set out in the Master Information Statement and Series Supplement. Investors should read the related Master Information Statement and Series Supplement carefully before investing and discuss Cash Flow Deposit suitability with their branch investment professional. The Cash Flow Deposits may not be suitable for all types of investors; the prices and value of the Cash Flow Deposits may fluctuate and/or be adversely affected by a number of factors. The fluctuation of the value of the Cash Flow Portfolio will directly impact the variable return, if any, on the Cash Flow Deposits. At maturity, the variable return, if any, will be equal to the amount by which the Deposit Value on the third business day before the Cash Flow Deposit matures exceeds the Remaining Deposit Balance when the Cash Flow Deposit matures. If the Deposit Value on the third business day before the Cash Flow Deposit matures is equal to or less than the Remaining Deposit Balance at maturity then you will not receive any variable return on your Cash Flow Deposits. It is possible that no variable return will be paid on the Cash Flow Deposits. The Cash Flow Deposits have not been and will not be rated by any credit rating organization.

Neither Bank of Montreal nor any of its subsidiaries and affiliates (collectively, BMO) make any assurances, representations or warranties with respect to accuracy, reliability or completeness of information contained herein. Furthermore, BMO makes no recommendation concerning the Cash Flow Deposits or the suitability of investing in securities generally or the Cash Flow Deposits in particular. No person has been authorized to give any information or to make any representation not contained in the Master Information Statement and Series Supplement relating to the applicable Cash Flow Deposits and BMO does not accept responsibility for any information not contained in the Master Information Statement and Series Supplement. The offering and sale of Cash Flow Deposits may be prohibited or restricted by laws in certain jurisdictions.

®Registered trade-mark of Bank of Montreal, used under license.

Trade-mark of BMO Bank of Montreal.


BMO LifeStage Retirement Income Portfolios

BMO LifeStage Retirement Income Portfolios are deposits that help meet the needs of investors either planning for retirement or already retired by providing capital protection through guaranteed capital distributions and exposure to the growth potential of BMO Mutual Funds.

BMO LifeStage Retirement Income Portfolios introduce the new Lifetime Cash Flow Version:

Note: Effective October 1, 2010, the Deferred 10 Year Version is no longer available for purchase.

Effective February 1, 2013, the Deferred 5 Year Version is no longer available for purchase.

  • Guaranteed, Predictable Cash Flow - Annual capital distributions of 6% (payable monthly) for up to 15 years3
  • Tax Efficiency - Generally, pay no tax until the product matures or is sold
  • Lifecycle Asset Allocation - Systematic annual rebalancing to a progressively more conservative position over time
  • Exposure to the growth potential of mutual funds
Current Pay Deferred 5 Year Deferred 10 Year
For investors in retirement or about to begin retirement who are seeking a guaranteed source of tax-efficient cash flow and the potential for growth.View Series Information For investors preparing for retirement who are seeking to protect and potentially grow their capital and receive tax-efficient guaranteed cash flow in retirement.View Series Information For investors preparing for retirement who are seeking to protect and potentially grow their capital and receive tax-efficient guaranteed cash flow in retirement.View Series Information
Guaranteed Capital Distributions
Guaranteed Capital Distributions Guaranteed Capital Distributions Guaranteed Capital Distributions
  • Annual capital distributions of 6%, guaranteed until principal is repaid3
  • Capital distributions start in year one
  • Annual capital distributions of 6%, guaranteed until principal is repaid3
  • Capital distributions start in year six
  • Annual capital distributions of 6% indexed to inflation, guaranteed until principal is repaid3
  • Annual inflation adjustment during the distribution period
  • Capital distributions start in year eleven
View Series Information

3Capital distributions are repayments of principal that will reduce the adjusted cost base of your investment in the Current Pay Deposits and/or Deferred 5 Year Deposits (together, the "LifeStage Deposits" as further described below).

LifeStage Deposits do not represent deposits insured under the Canada Deposit Insurance Corporation Act. Capitalized terms used and not otherwise defined herein have the meanings given to them in the Master Information Statement dated February 2, 2011.

Investors should consult their own tax advisors regarding possible tax consequences of an investment in the LifeStage Deposits.

Investments in the LifeStage Deposits are not mutual fund investments. They are investments in principal protected deposit notes (the LifeStage Deposits) issued by Bank of Montreal and will constitute direct, unsecured and unsubordinated debt obligations of Bank of Montreal. Details regarding the calculations and payments of interest, the LifeStage Retirement Income Portfolio (LSRI Portfolio), capital distributions, certain risk factors and certain tax consequences of investing in the LifeStage Deposits will be contained in the Master Information Statement and Series Supplement which will be available through your branch investment professional or on our public website at www.bmo.com/lifestageincome. This summary is issued for information purposes only to provide an overview of the LifeStage Deposits and does not constitute investment advice or an offer to sell or a solicitation to purchase. An investment in LifeStage Deposits is subject to certain risks, which investors should consider. Investors should read the related Master Information Statement and Series Supplement carefully before investing and discuss their suitability with their branch investment professional. The LifeStage Deposits may not be suitable for all types of investors; the prices and value of the LifeStage Deposits may fluctuate and/or be adversely affected by a number of factors. The fluctuation of the value of the LSRI Portfolio will directly impact the variable return, if any, on the LifeStage Deposits. At maturity, the variable return, if any, will be equal to the amount by which the Deposit Value on the third business day before the LifeStage Deposit matures exceeds the Remaining Deposit Balance when the LifeStage Deposit matures. If the Deposit Value on the third business day before the LifeStage Deposit matures is equal to or less than the Remaining Deposit Balance at maturity then you will not receive any variable return on your LifeStage Deposits. It is possible that no variable return will be paid on the LifeStage Deposits.

Neither Bank of Montreal nor any of its subsidiaries and affiliates (collectively, BMO) make any assurances, representations or warranties with respect to accuracy, reliability or completeness of information contained herein. Furthermore, BMO makes no recommendation concerning the LifeStage Deposits or the suitability of investing in securities generally or the LifeStage Deposits in particular. No person has been authorized to give any information or to make any representation not contained in the Master Information Statement and Series Supplement relating to the applicable LifeStage Deposits and BMO does not accept responsibility for any information not contained in the Master Information Statement and Series Supplement.

®Registered trade-marks of Bank of Montreal, used under license.


BMO MatchMaker® Strategic Portfolios

Get exposure to the best of BMO Mutual Funds through a disciplined and structured investing approach. Choose a portfolio to match your preferred level of risk.

With over 10 years of solid performance history, BMO MatchMaker Strategic Portfolios are mutual fund portfolios that work for you when you're spending time looking after other important priorities in your life.

BMO MatchMaker Portfolios are constructed using a disciplined and structured approach to investing, and are designed to match the level of risk you're comfortable with. You can benefit from:

  • Exposure to the best of BMO Mutual Funds
  • Personalized risk assessment
  • Optimized portfolios suited for different levels of risk
  • Regular portfolio rebalancing

BMO LifeStage Plus Funds

Innovative funds with target dates that meet your financial goals within a specific timeframe, while providing guaranteed protection of investment gains.

BMO LifeStage Plus Funds are a series of innovative funds, designed to help you meet your financial goals within your investment timeframe. You can benefit from:

  • Growth potential from high-quality underlying BMO Mutual Funds
  • Worry-free protection of gains with the Guaranteed Maturity Amount, provided you remain invested in the fund until the fund's target end date
  • Range of options – choose the fund that suits your investment goals and time frame

In order to receive the Guaranteed Maturity Amount, investors must remain invested in the fund until the fund's target end date. If an investor redeems any of his or her units of the fund prior to the target end date, the investor will receive only the net asset value per unit on the date of redemption, which may be less than the Guaranteed Maturity Amount. Please read the prospectus before investing and for important information on the Guaranteed Maturity Amount.

4The asset allocation strategy for BMO LifeStage Plus Funds determines the balance between the Mutual Fund Component and the Fixed Income Component based on a number of factors, including the remaining time until the Target End Date, the amount of the fund's portfolio required to cover the Guaranteed Maturity Amount, the state of equity markets and any changes in interest rates. Once a Fund's portfolio has been adjusted, the portfolio cannot be readjusted to any previous target asset mix.


BMO Intuition® RESP Strategic Portfolios

Choose from five diversified portfolios that make it easy to save for a child's education.

BMO Intuition RESP Portfolios offer a customized solution to help save for your child's education. You can benefit from:

  • Exposure to the best of BMO Mutual Funds
  • Personalized risk assessment
  • Optimized portfolios suitable for different levels of risk and investment timeframes
  • Regular portfolio rebalancing

BMO FundSelect® Portfolios

Choose from four core portfolios that provide exposure to the professional talents of some of Canada's most respected mutual fund managers.

BMO FundSelect Portfolios are four diversified mutual fund portfolios constructed with a mix of the best of BMO Mutual Funds and other leading Canadian mutual fund brands. You can benefit from:

  • Exposure to industry-leading fund families including: AGF, Invesco Trimark, Brandes Investment Partners, CI Investments, Franklin Templeton Investments and Mackenzie Investments
  • Access to renowned fund managers
  • Portfolio diversification by asset class and management style
  • Strategic asset allocation to control risk
  • Automatic portfolio rebalancing and monitoring

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