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Saving for retirement and making wise investment choices can be a challenge for today's investors.

The market can be unpredictable with its highs and lows. Maximizing your retirement funds doesn't mean having to take a higher risk.
BMO Guaranteed Investment Funds (GIFs) enable you to take advantage of rising markets, while enjoying a safety net during market downturns.


BMO Guaranteed Investment Funds offer choice and flexibility that can provide:

Guarantees that protect 100% of your investment

Automatic monthly locking-in of market gains to potentially increase the guaranteed amount you would receive at the “maturity date” or in the event of your death

A range of fund choices available based on your personal need, and designed by one of Canada’s leading investment managers

What are BMO GIFs?

BMO GIFs are segregated funds contract issued by BMO Insurance that offers a range of investment choices to investors. BMO GIFs offer maturity and death benefit guarantees that can be coupled with resets to lock in market gains. By naming a beneficiary, a BMO GIF policy allows your estate to bypass probate, saving time and expense.

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Investment Management & Fund Profiles

Working closely with our portfolio manager, BMO Asset Management Inc., BMO GIFs offer investors broad investment exposure to North American, global and emerging markets, and greater choice in actively managed ETF Portfolios or distinctive ETF-based GIFs.

Client materials

Below is a collection of materials to give you a better understanding of BMO GIFs.

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Contact your Investment or Insurance Advisor

Explore other insurance plans tailored to your additional needs – Preferred Term Life, Whole Life, Critical Illness, Universal Life,
Income Annuities and Guaranteed Investment Funds.

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Insurer: BMO Life Assurance Company

Any amount that is allocated to a segregated fund is invested at the risk of the policy owner and may increase or decrease in value. Details of BMO GIF are contained in the policy provisions and information folder.

Full details, terms and conditions are available on request.

Insurance benefits are tax-free payments under current legislation.