New GIF enhancements: More flexibility and choice for your clients
Effective June 8, 2026, we’re introducing a new set of enhancements to our Guaranteed Investment Funds (GIFs), giving you more flexibility in how you support clients’ investment and planning needs.
Support for individual pension plans (IPPs)
GIFs can now be used as the investment vehicle for individual pension plans (IPPs). This creates new opportunities to support incorporated clients using retirement and tax-planning strategies, with actuarial support continuing through external partners. Learn more about IPPs.
New Class F Prestige availability
Class F Prestige is being introduced within the 75/100 series, adding a new class option across funds and expanding pricing flexibility for your clients (not available in 75/100 Plus).
Expanded fund availability
We’re extending Global Income and Growth to the 100/100 series, helping address a gap in the lineup and providing additional choice for clients looking for growth and income solutions. Learn more about our fund lineup.
New BMO GIF client digital welcome package
We’re pleased to introduce a new digital welcome package, designed to welcome clients purchasing a new BMO Guaranteed Investment Funds. This digital package helps reinforce your value by providing clients with a branded introduction to their BMO GIF investment and instructions on managing their policy through WealthLink. See a sample.
Product details
Like mutual funds, BMO Guaranteed Investment Funds offer a range of investment options, but with the added security of maturity and death benefit guarantees – plus resets to lock in market gains.
Popular chargeback sales charge option
Wealth transfer maximization by avoiding probatefootnote 1 costs and delays
The ability to preserve capital by locking in market gains through resets
Creditor protection to insulate investment from business liabilityfootnote 2
BMO GIF guarantee options and fund profiles
Our portfolio manager, BMO Asset Management Inc., is a part of BMO Global Asset Management with over $193 billion in combined assets under management for its Canadian operations. footnote 3
GIF 75/75
The greatest flexibility and choice for your client with the lowest fees.
75% maturity guarantee on deposits and 75% death guarantee.- ETF portfolios ranging from 100% equity to 100% fixed income.
- Prestige Class pricing for high-net-worth clients.Footnote 4
GIF 75/100
Flexibility and lower fees with greater estate protection.
- 75% maturity guarantee on deposits and 100% death guarantee footnote 5 with automatic triennial reset, footnote 6 or optional annual resets footnote 6
- ETF Portfolios ranging from 100% equity to 100% fixed income.
- Prestige Class pricing for high-net-worth clients. footnote 4
GIF 100/100
The highest level of guarantees for capital and estate protection.
- 100% maturity guaranteeFootnote 7 and 100% death guaranteeFootnote 5 on deposits.
- Automatic monthly resets of the maturity guaranteeFootnote 6 & optional triennial resets of the death guarantee.Footnote 8
- Maturity date of 15-25 years.
- Balanced funds for reduced volatility.
- Prestige Class pricing for high-net-worth clients.Footnote 4
Support videos
BMO Guaranteed Investment Funds
Discover why a BMO Guaranteed Investment Funds can be an integral part of your client’s wealth transfer plan.
Empathy
A complimentary loss support service that offers personalized, comprehensive, on-demand support for challenges your client’s beneficiaries may face.
Tools
WealthLink and BMO GIF eApplication (eApp)
Complete, sign, and submit BMO GIF applications for your clients in a lightning-fast and fully digital end-to-end experience!
BMO Guaranteed Investment Funds Investor Kit
Find everything you’ll need to get your clients started with BMO Guaranteed Investment Funds.
BMO Guaranteed Investment Funds Performance Portal
Sort and compare BMO Guaranteed Investment Funds based on performance, asset type and class.
Insights
Shielding your wealth: Creditor protection for business owners and professionals
Creditor protection can be a critical aspect of financial planning and may shield your assets against potential claims and legal actions. Learn some of the key principles.
Wealth transfer challenges
Segregated fund solutions can help speed the wealth transfer process, making it more cost-effective, efficient, and private.
What is a segregated fund?
Segregated funds: Offered only by insurance companies, they give access to the growth potential of the markets, and their guarantees may mitigate volatility.
Money Market Fund: Understanding book value vs market value
Why is my book value higher than my market value? Learn what the terms mean and why the amounts differ.
Contact us
Have questions? Call or email us today for more information about how we can help you.
Footnote 1 details Probate fees may not apply in Quebec.
Footnote 2 details Creditor Protection rules depend on legislation and vary by province. It cannot be guaranteed. Your clients should consult a legal advisor for their specific situation.
Footnote 3 details As of June 30, 2024.
Footnote 4 details Clients qualify for Prestige Class if they hold $250,000 or more in BMO Guaranteed Investment Funds contracts issued in their name.
Footnote 5 details 100% on deposits made before the Annuitant is age 80 and 75% on deposits made on or after age 80.
Footnote 6 details Resets occur automatically on the last day of each month up to 10 years before the Maturity Date. Additional fee applies for optional annual resets.
Footnote 7 details Deposits made at least 15 years to the Maturity Date are guaranteed at 100%. Deposits made within 15 years to the Maturity Date are guaranteed at 75%.
Footnote 8 details Automatic resets of the Death Guarantee Amount occur every 3rd policy anniversary up to and including the last policy anniversary before the Annuitant’s 80th birthday. Optional benefit. Additional fee applies.
The Empathy services, mobile and online apps and beneficiary care program(s) described are offered by The Empathy Project Inc. Empathy’s bereavement services and platform are provided through an agreement with The Empathy Project, Inc., (doing business as Empathy). Empathy is not an affiliate of BMO Insurance, and the services Empathy provides are separate and apart from the insurance provided by BMO Insurance.