Be on the lookout for investment scams! Learn More.
Investing with BMO
Whether you’re an investing pro or are just starting out, we have options for you -- both online and with an investment professional.
Flexible investing options, whatever your goals or risk appetite- Expert advice you can trust from investment professionals
- Convenient access to your accounts and portfolios anytime online
Account types for every investor
Long-term, short-term and everything in between: BMO has the right mix of accounts to help you reach your saving and investing goals.
Registered accounts
Accounts that are registered with the government, and offer tax incentives, such as a FHSA, TFSA, RRSP and RESP.
Great for: Saving for your first home, retirement, and other long-term goals.
Locked-in accounts
Accounts that are used in retirement to access your savings, such as a LIRA, LRSP and LRIF.
Great for: Anyone looking to invest their pension from a prior company.
Non-registered accounts
Accounts not registered with the government, such as Individual or joint, cash or margin accounts.
Great for: Short-term savings and holding liquid cash, or for anyone who has maxed out their TFSA and RRSP and want to keep saving.
Corporate/non-personal accounts
Non-personal accounts such as association, corporate, estate and trust accounts.
Great for: Anyone investing on behalf of another individual, a business or an association.
Compare your investment options
Invest online
Rookie or pro, hands-on or hands-off, we have a way to invest online that fits your style. Need some guidance along the way? You have access to professional advice as well.
Invest with an investment professional
Want expert advice at every step of your investing journey? BMO’s investment professionals can set you on the right course – and they can meet in-person or over the phone.
Help me choose
Discover the power of long-term investing
What is your starting investment amount?
How much do you plan to contribute monthly?
How long do you plan to invest for?
This calculator is for illustrative purposes only and doesn’t constitute investment advice or a promise of future performance. It is not, and should not be construed as, investment or legal advice to any party. It does not take into effect the deduction of any fees or take all tax implications into consideration. There is no guarantee that the rate of return selected can actually be achieved. Investments offering the potential for higher rates of return also involve a higher degree of risk.
Investing products
No matter your investment goals, we have the right mix of products to help you reach them. Once you’ve figured out your investment goals, you can choose which products you’d like to hold in your accounts.
Discover BMO's principal-protected guaranteed investment certificates.
Discover how mutual funds can help you achieve your financial goals.
Discover how you can add equities to your investment portfolio.
Discover BMO’s market-leading exchange traded funds.
Explore the versatility of trading options to boost your profit potential and optimize your portfolio.
What are you saving for?
Know your savings goal, but unsure how to get there?
Choose what you’re saving toward, and we’ll show you some ways to get there.
I want to:
Investing tools and resources
Take control of your budget.
Find out how much you could save with a TFSA account.
Plan your RRSP savings.
Learn more about investing with BMO
The golden rules of investing
We've got 7 rules for growing your investments – and reaping greater rewards.
Understanding RESP rules and contribution limits
Discover how you can use an RESP to fund your children’s education.
TFSA vs RRSP: Here’s what you need to know
Wondering which one is best for your savings goals? Let’s go through the differences between a TFSA and an RRSP.
Ways to contact us
There are various ways to get in touch. Choose your preferred method.
Investing with a professional
Manage your investments online
- BMO Mutual Funds are managed by BMO Investments Inc., which is an investment fund manager and a separate legal entity from Bank of Montreal. BMO Mutual Funds are not insured by the CDIC.
- Commissions, trailing commissions (if applicable), management fees and expenses all may be associated with mutual fund investments. Please read the ETF facts, fund facts or prospectus of the relevant mutual fund before investing. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated.
- For a summary of the risks of an investment in the BMO Mutual Funds, please see the specific risks set out in the prospectus. ETF Series of the BMO Mutual Funds trade like stocks, fluctuate in market value and may trade at a discount to their net asset value, which may increase the risk of loss. Distributions are not guaranteed and are subject to change and/or elimination.
- Footnote double dagger detailsBMO Canadian Market GICs are issued by Bank of Montreal Mortgage Corporation and guaranteed by Bank of Montreal. The principal amount of a BMO Canadian Market GIC is guaranteed and is repayable upon maturity and, in addition, the GIC provides a minimum guaranteed rate of return, but there is no guarantee you will receive any additional return based on the performance of the underlying investments. The rate of return for the term payable is the return on the Reference Portfolio, but will not be less than the Guaranteed Rate of Return for the Term or more than the Maximum Rate of Return for the Term. The return on the Reference Portfolio, if any, is determined without reference to any dividends or distributions paid on the securities in the index and is the simple average of the percentage changes in (i) the value of each index in the Reference Portfolio as of the market close 2 business days after the issue date of the GIC, and (ii) the closing values of each index on the calculation date set out in the Terms and Conditions for the GIC. The rate of return for the term is not an annual rate but is the rate of return over the entire term of the 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 the underlying index or a security in the underlying index, replace a security or the underlying index and/or determine the amount of interest, if any, that may be payable in an alternate manner. The rate of return, if any, is based on a price return index, not a total return index. The Terms and Conditions for BMO Canadian Market GICs are available at your local BMO Bank of Montreal branch.
- An adviceDirect account is a non-discretionary fee based account which offers investment recommendations. adviceDirect does not provide portfolio management by a portfolio manager. The client makes their own investment decisions and manages their own investment portfolio. adviceDirect does not offer discretionary, managed accounts.
- adviceDirect is a product of BMO InvestorLine Inc. BMO InvestorLine Inc. is a member of BMO Financial Group.® Trademarks of Bank of Montreal, used under license.