Explore your investment options
I want to save for:
A new home or major purchase
Saving up for a new home or major purchase may seem intimidating. But with the right combination of budgeting, saving and tools, we can help you get to your goal.
When do you want to reach your savings goal?
We have the right plans and tools to help you retire comfortably. And donâ€™t forget, RRSP growth is tax deferred and your contributions could be tax deductible â€“ so saving for your retirement can be rewarding now!
A RRIF, on the other hand, is a great way to manage your finances after retirement.
Tip: Maximize your saving potential by limiting your daily spending on coffees and lunches and setting up automatic deposits to your Continuous Savings Plan (CSP). Youâ€™ll be surprised how fast your savings grow.
What stage are you currently in?
One thingâ€™s for sure â€“ post-secondary education is expensive. But if you start saving early for your childâ€™s education, or that of a loved one, for the costs (tuition, books, living expenses) you can help get prepared by reducing or avoiding any debt.
I am saving for...
A different reason or Iâ€™m still deciding
There are more than a few reasons to invest and save. Whether itâ€™s providing long-term financial security for people with disabilities, or establishing an emergency fund (you never know when you may need it) â€“ we can help you prepare for the future.
Tip: Aim to save 10% of your gross (pre-tax) income every month to make the most of your moneyâ€™s growth potential. A little contribution every month can go a long way over the long term.
I am interested in:
Investment and Savings Plans
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Investment and Savings Products
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1 BMO Growth GICs are not available in RRSPs if the BMO Growth GICâ€™s maturity date is after the date you are required to convert your RRSP to a RIF.
2 BMO Growth GICs are issued by Bank of Montreal Mortgage Corporation and guaranteed by Bank of Montreal. The principal amount of a BMO Growth 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, if any, will be the return on the portfolio (the â€śReference Portfolioâ€ť) subject to the following: the rate of return for the term will not be less than zero or more than the maximum rate of return for the four-year term, which for the BMO Growth GIC series 117 is 16%. 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 BMO Growth GIC. The rate of return for the term: (i) is not compounded; (ii) as set out in this advertisement is based on the BMO Growth GIC series 117 and the maximum rate of return for the term is subject to change between series; and (iii) is not an annual rate but is the rate of return over the entire term of the BMO Growth 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. The terms and conditions for BMO Growth GICs are available at your local BMO Bank of Montreal branch.
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