BMO Retirement Portfolios
Build a better retirement with BMO Retirement Portfolios – they’ll help protect your money today and provide growth for tomorrow. BMO Retirement Portfolios are:
Three professionally managed options that can help protect your money now, with the potential for growth down the road.- Designed to help you weather the market’s ups and downs with low fees and a minimum investment of $500 or as little as $50 each month.
Find the BMO Retirement Portfolio that's right for you
Your dream retirement won’t happen on its own. Choose the BMO Retirement Portfolio that matches your risk tolerance and retirement goals.
BMO Retirement Income Portfolio
A low risk footnote star portfolio that protects your money but still leaves some room for growth.
Target asset allocation
- 65% - 85% Fixed income
- 10% - 30% BMO Risk Reduction Equity Fund
- 0% - 10% Global equities
BMO Retirement Conservative Portfolio
A low risk footnote star portfolio that offers moderate growth potential.
Target asset allocation
- 50% - 70% Fixed income
- 15% - 35% BMO Risk Reduction Equity Fund
- 5% - 25% Global equities
BMO Retirement Balanced Portfolio
A low to medium risk footnote star growth portfolio that still works to protect your investment and reduce volatility.
Target asset allocation
- 30% - 50% Fixed income
- 20% - 40% BMO Risk Reduction Equity Fund
- 20% - 40% Global equities
It’s important to choose a fund based on it’s long term performance. Get a full performance breakdown of our BMO Retirement Portfolios here.
Fees can vary from fund to fund. Compare the fees of all our BMO Retirement Portfolios for yourself here.
Helpful tools and resources
How to start planning for retirement
It’s never too late to start planning for your retirement. Learn the basics here.
Continuous Savings Plan (CSP) Calculator
Calculate how quickly your savings could grow by starting a CSP.
Why invest in mutual funds? Mutual fund basics for beginners
If you're new to investing, mutual funds are a great place to start learning the basics.
Have questions? That's what we're here for
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If you have a mutual funds account, you can sign in to purchase mutual funds online.
Important notice about our relationship with you: The new Our Relationship brochure has key information you should know when investing with us. Learn more about BMOII’s relationship with you, the products and services we offer, how we get paid, and how we always put your interests first. LEARN MORE
- This material is for information purposes. The information contained herein is not, and should not be construed as, investment, tax or legal advice to any party. Particular investments and/or trading strategies should be evaluated relative to the individual’s investment objectives and professional advice should be obtained with respect to any circumstance.
- Footnote star details All investments involve risk. The value of a Mutual Fund can go down as well as up and you could lose money. The risk of a Mutual Fund is rated based on the volatility of the Mutual Fund’s returns using the standardized risk classification methodology mandated by the Canadian Securities Administrators. Historical volatility doesn’t tell you how volatile a Mutual Fund will be in the future. A Mutual Fund with a risk rating of “low” can still lose money. For more information about the risk rating and specific risks that can affect a Mutual Fund’s returns, see the BMO Mutual Fund’s simplified prospectus.
- BMO Global Asset Management is a brand name under which BMO Asset Management Inc. and BMO Investments Inc. operate. BMO Mutual Funds are not insured by the CDIC.BMO Retirement Portfolios include: BMO Retirement Income Portfolio, BMO Retirement Conservative Portfolio and BMO Retirement Balanced Portfolio.Commissions, management fees and expenses (if applicable) all may be associated with investments in mutual funds. Trailing commissions may be associated with investments in certain series of securities of mutual funds. Please read the fund facts, ETF facts or prospectus of the relevant mutual fund before investing. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated. Distributions are not guaranteed and are subject to change and/or elimination.For a summary of the risks of an investment in the BMO Mutual Funds, please see the specific risks set out in the prospectus. ETF Series of the BMO Mutual Funds trade like stocks, fluctuate in market value and may trade at a discount to their net asset value, which may increase the risk of loss. Distributions are not guaranteed and are subject to change and/or elimination.BMO Mutual Funds are managed by BMO Investments Inc., which is an investment fund manager and a separate legal entity from Bank of Montreal.
- Footnote 1 details BMO GAM, as of April 30, 2025.
- Footnote 2 details BMO Investments Inc.
- "BMO (M-bar roundel symbol)" is a registered trademark of Bank of Montreal, used under license.
