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Special limited time offers
Earn up to 35.00% footnote star, footnote double dagger
BMO Fund Linked GIC
Invest with confidence and enjoy guaranteed growth backed by Canada’s leading banks and utilities.
Features
Your investment is fully protected- Guaranteed growth, no market risk
- Linked to Canada’s strongest sectors
Get a cash Savings rate of 2.00% footnote dagger
First Home Savings Account (FHSA)
Saving for your first home is now easier than ever with an FHSA.
Features
- Contributions are deductible on your income tax footnote 1
- No tax on investment income footnote 2
- Withdraw tax-free to purchase your first home footnote 3
Benefits of working with an investment professional
There’s no one-size-fits-all plan when it comes to growing and preserving your wealth. Whether you’re saving for retirement or a child’s education, or you’re starting to enjoy the rewards of your hard work, the right financial plan is key.
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Learn more about the new tax-free First Home Savings Account and how it can help you achieve your dream of owning your first home.
Continuous Savings Plan (CSP) Calculator
Check out how your investments can grow when you make saving a habit.
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- This message is for information purposes. The information contained herein is not, and should not be construed as, investment, tax or legal advice to any party. Investments should be evaluated relative to the individual’s investment objectives and professional advice should be obtained with respect to any circumstance.Investment professional refers to Personal Bankers, Financial Planners, Investment and Retirement Planning and Investment Specialists that are representatives of BMO Investments Inc.
- Footnote star detailsGuaranteed minimum rate of return of 2.50% after 5 years. Rates are not per year and are not compounding. Potential return of up to 35.00% is based on Market Performance after 5 years.
- Footnote double dagger detailsBMO Fund Linked GICs are issued by Bank of Montreal Mortgage Corporation and guaranteed by Bank of Montreal. The principal amount of a BMO Fund Linked 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, will be the return on the Reference Portfolio but will not be less than 2.50% and not more than the Maximum Rate of Return of 35.00% for the term. 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 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 an underlying security, replace a security and/or determine the amount of interest, if any, that may be payable in an alternate manner. Past market performance is not an indicator of future market performance. The terms and conditions for BMO Fund Linked GICs are available at your local Bank of Montreal branch.
Footnote dagger detailsInterest is calculated on your daily closing balance and paid monthly. Interest rates are per annum and are subject to change.
Some Financial Planning, Investment & Retirement Planning services - including mutual funds investing advice - are provided by BMO Investments Inc., a mutual fund dealer and separate legal entity from Bank of Montreal. Learn more about the services we do and don’t provide – and how we get paid.- Footnote 1 detailsContributions made to your FHSA may be deductible on your income tax and benefit return. Maximum contribution limits apply. Visit bmo.com/fhsa for details.
- Footnote 2 detailsIncludes interest, dividends, and capital gains. Speak to your tax advisor for details.
- Footnote 3 detailsIf you withdraw from your FHSA for a purpose other than purchasing a home, any amounts withdrawn are taxable and subject to withholding tax.