Streamline the decision process with an "all-in-one" approach to asset allocation. We offer a series of model allocations designed to help individual investors simplify the task of building a properly diversified portfolio that's consistent with their personal financial goals, time horizon and risk tolerance.
The choices below are designed to provide investors with investment management, asset allocation and ongoing reallocation over time. In doing so, the investment team seeks to achieve each fund's investment objectives by investing in a mix of affiliated BMO Funds and unaffiliated mutual funds, adjusting allocations within a particular asset class based on a range of considerations, including:
- Market trends
- Outlook for a given market capitalization or sector
- Performance of the underlying funds in various market conditions
BMO Target Date Retirement Funds
Each of the BMO Target Date Retirement Funds is designed for investors who anticipate retiring in or within a few years of a specific year (target date), at which time they would begin to withdraw the value of their account in the Fund gradually after retirement. Target date portfolios include:
BMO Target Risk Funds
Each of the BMO Target Risk Funds is designed for investors based on their own level of investment risk tolerance. If your risk tolerance changes, you can exchange into one of the other BMO Target Risk Funds. See the prospectus for details.
|BMO Aggressive Allocation Fund|
|BMO Balanced Allocation Fund|
|BMO Conservative Allocation Fund|
|BMO Growth Allocation Fund|
|BMO Moderate Allocation Fund|
The principal value of the Target Date Retirement Funds is not guaranteed at any time, including at or after the target date. The target date refers to the approximate year when an investor in the Fund would start withdrawing from the investment, which is assumed age 65. The funds emphasize potential capital appreciation during the early phases of retirement asset accumulation, balance the need for appreciation with the need for income as retirement approaches, and focus more on income and principal stability during retirement. The funds maintain a substantial allocation to equities both prior to and after the target date, which can result in greater volatility.
The investment risks of each Target Date Retirement Fund changes over time as its asset allocation changes. Each Target Date and Target Risk Fund is subject to the volatility of the financial markets, including equity and fixed income investments in the U.S. and abroad and may be subject to risks associated with investing in high yield, small cap, commodity-linked, and foreign securities.
Asset allocation funds are designed to be an integral part of an investor's overall retirement investment strategy. However, they are not designed to provide investors with a complete solution to their retirement needs. Investors must consider many factors when choosing an investment strategy for their retirement.
Effective December 15, 2015, the BMO In-Retirement Fund has changed its name to the BMO In-Retirement Fund.