Tariff Concerns? Navigate market volatility with BMO Guaranteed Investment Funds
Learn how BMO Guaranteed Investment Funds (GIFs), can help clients maximize the value of their portfolios while taking steps to mitigate risk.
Updated 
3 min. read
Today’s market volatility may be making your clients anxious about achieving their financial planning goals without increasing their investment risk. With B M O Guaranteed Investment Funds (GIFs), you can help clients maximize the value of their portfolio while taking steps to mitigate risk.
Five reasons to choose B M O GIFs
- Automatically lock-in gains with resets: B M O GIFs let your clients lock in investment gains automatically. footnote 1 If the market value of their policy at the time of reset is higher than the current guarantee amount, the gains are secured. The B M O GIF 100/100 guarantee option provides monthly resets to the maturity guarantee amount, ensuring your clients benefit from market upswings without any manual intervention.
- Death Benefit Guarantee beyond age 80: Do you have older clients? You can offer them 100% Death Benefit protection on all deposits made before their 85th birthday. This feature is available exclusively with B M O GIF 75/100 Plus.
- Popular chargeback sales charge options: B M O GIFs come with several chargeback sales charge options, offering competitive first-year commissions. footnote 2 Clients with fee-based accounts can also select an F-class option, available in either nominee or client name.
- Automatic Prestige Class pricing: High-net-worth clients can benefit from Prestige Class pricing on all B M O GIF guarantee options. This solution helps maximize their investments for greater wealth transfer. Once your client holds at least $250,000 in one or more GIF contracts, they automatically receive a lower MER—no paperwork required.
- World-class investment opportunities: Your clients will have access to a variety of investment options managed by B M O Asset Management, part of B M O Global Asset Management. These options include low-cost equity and fixed income ETFs, sustainable investing solutions, and asset allocation solutions for broad diversification at all risk tolerance levels.
B M O Asset Management is one of Canada's leading issuers of E T Fs, managing over $99.5 billion in E T F assets. footnote 3
Have questions? Reach out to a member of our investment product sales team.
Eastern Canada | Central region | Western Canada |
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1 Automatic monthly resets of the Maturity Guarantee Amount occur up to and including 10 years from the Maturity Date.
2 Chargeback (2) with a two-year chargeback offers a 3% first year commission and Chargeback (5) with a five-year chargeback offers a 5% first year commission. Not available with B M O GIF 75/100 Plus.
3 As of June 2024
Disclaimer:
Any amount that is allocated to a segregated fund is invested at the risk of the policyowner and may increase or decrease in value. Any withdrawals will reduce both the Maturity Guarantee Amount and Death Benefit Guarantee Amount proportionately.
B M O Life Assurance Company is the sole issuer and guarantor of the B M O GIF individual variable insurance contract. Please consult the Information Folder (including Policy Provisions & Fund Facts) for details of B M O GIF.
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