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BMO Target Retirement Funds

BMO Target Retirement Funds

Each of the BMO Target 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.

  Class Y Class R3 Class R6 Benchmark
BMO In-Retirement Fund BTRYX BTRRX BTRTX S&P Target Date 2010 Index
BMO Target Retirement 2015 Fund BRTAX BRTCX BRTDX S&P Target Date 2015 Index
BMO Target Retirement 2020 Fund BTRDX BTRFX BTRGX S&P Target Date 2020 Index
BMO Target Retirement 2025 Fund BRTEX BRTGX BRTHX S&P Target Date 2025 Index
BMO Target Retirement 2030 Fund BTRHX BTRKX BTRLX S&P Target Date 2030 Index
BMO Target Retirement 2035 Fund BRTIX BRTKX BRTLX S&P Target Date 2035 Index
BMO Target Retirement 2040 Fund BTRMX BTRPX BTRQX S&P Target Date 2040 Index
BMO Target Retirement 2045 Fund BRTMX BRTPX BRTQX S&P Target Date 2045 Index
BMO Target Retirement 2050 Fund BTRUX BTRWX BTRZX Russell 3000® Index
BMO Target Retirement 2055 Fund BRTRX BRTTX BRTUX Russell 3000® Index

BMO Target Risk Funds

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.

  Class I Class Y Class R3 Class R6 Benchmark
BMO Conservative Allocation Fund BDVIX BDVYX BDVRX BDVSX Barclays U.S. Aggregate Bond Index
BMO Moderate Allocation Fund BMBHX BMBYX BMBQX BMBTX Barclays U.S. Aggregate Bond Index
BMO Balanced Allocation Fund BGRHX BGRYX BGRRX BGRQX S&P 500® Index
BMO Growth Allocation Fund BABHX BABYX BABRX BABQX S&P 500® Index
BMO Aggressive Allocation Fund BDSHX BDSYX BDSRX BDSQX S&P 500® Index

Multi-asset insights

Multi-asset insights


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.