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BMO Retirement Portfolios

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Good for you now, better for you later.
Build a better retirement with BMO Retirement Portfolios.

Canadians are living longer, which often means they’re spending more time in retirement. This sounds great, but it also means solid retirement planning is more important than ever.

That's where we can help. BMO Retirement Portfolios include three great options that can help protect your money now, with the potential for growth down the road.

It’s great for: anyone who is retired or approaching retirement.

Ready to invest?

Get in touch with our investment professionals.
Make an appointment Schedule a call

What’s in it for you?

Source:StatsCan, May 2012Retirement may last20 years or longerLife expectancy at age 65MaleFemale84yrs87yrs
Retirement may last20 yearsor longerLife expectancy at age 65Source:StatsCan, May 2012MaleFemale84yrs87yrs
The title frame of this animated video reads BMO Retirement Portfolios in hand-lettered text. Click to play.
The title frame of this animated video reads BMO Retirement Portfolios in hand-lettered text. Click to play.
Invest with the power of BMO Global
Asset Management
Global Reach, Local Expertise

#1 in Customer Service1
BMO Mutual Funds, 2006-2016
DALBAR

More than $300 Billion
in industry assets
as of April 30, 2017

425 Investment Management
Professionals
in 27 offices around the world

Easy-to-use

Let us do the work. A BMO investment professional will help you choose the portfolio that’s right for you.

Stable

Market ups and downs? Don’t sweat it. You can breathe easy with portfolios that work to provide capital protection, more consistent returns and long-term growth potential.

Strong

Maximize your investment returns with cost-effective professional investment management from BMO Global Asset Management.

Choosing the right retirement portfolio

Your dream retirement won’t happen on its own. Depending on your risk tolerance and investment goals, our investment options can help you grow and protect your money for the future.
fixed income
  • BMO Risk Reduction Fixed Income Fund 65% - 85%
  • BMO Low Volatility ETFs 0% - 10%
  • BMO Risk Reduction Equity Fund 10% - 30%

BMO Retirement Income Portfolio

A great combination of reduced risk and room to grow. We opt for low-risk investments to protect the value of your money.
This option features a mix of fixed-income investments, such as bonds, along with lower-volatility stocks for smooth sailing in retirement.
conservative
  • BMO Risk Reduction Fixed Income Fund 50% - 70%
  • BMO Low Volatility ETFs 5% - 25%
  • BMO Risk Reduction Equity Fund 15% - 35%

BMO Retirement Conservative Portfolio

Slow and steady wins the race. Keep your retirement plan on solid ground with this conservative blend of investments that provide moderate growth potential.
This portfolio features a diverse mix of lower-volatility stocks and bonds. We focus on shielding your money from downturns, while still taking advantage of upswings.
balanced
  • BMO Risk Reduction Fixed Income Fund 30% - 50%
  • BMO Low Volatility ETFs 20% - 40%
  • BMO Risk Reduction Equity Fund 20% - 40%

BMO Retirement Balanced Portfolio

A diversified blend of investments built for smoother returns with an emphasis on growth. Perfect for when retirement is right around the corner.
This portfolio includes lower-volatility stocks and risk reduction strategies, together with bonds to help strike a balance between risk and reward.
  • BMO Retirement Income Portfolio
    A great combination of reduced risk and room to grow. We opt for low-risk investments to protect the value of your money.
    This option features a mix of fixed-income investments, such as bonds, along with lower-volatility stocks for smooth sailing in retirement.
    fixed income
    • BMO Risk Reduction Fixed Income Fund 65% - 85%
    • BMO Low Volatility ETFs 0% - 10%
    • BMO Risk Reduction Equity Fund 10% - 30%
  • BMO Retirement Conservative Portfolio
    Slow and steady wins the race. Keep your retirement plan on solid ground with this conservative blend of investments that provide moderate growth potential.
    This portfolio features a diverse mix of lower-volatility stocks and bonds. We focus on shielding your money from downturns, while still taking advantage of upswings.
    conservative
    • BMO Risk Reduction Fixed Income Fund 50% - 70%
    • BMO Low Volatility ETFs 5% - 25%
    • BMO Risk Reduction Equity Fund 15% - 35%
  • BMO Retirement Balanced Portfolio
    A diversified blend of investments built for smoother returns with an emphasis on growth. Perfect for when retirement is right around the corner.
    This portfolio includes lower-volatility stocks and risk reduction strategies, together with bonds to help strike a balance between risk and reward.
    balanced
    • BMO Risk Reduction Fixed Income Fund 30% - 50%
    • BMO Low Volatility ETFs 20% - 40%
    • BMO Risk Reduction Equity Fund 20% - 40%

Performance

Mutual fund performance will vary over time, but it’s important to choose a fund based on its long-term performance. You can compare the performance of all our BMO Retirement Portfolios here.

Fees and expenses

Mutual fund fees and expenses vary from one fund to another, and can change over time. You can compare the fees associated with all our BMO Retirement Portfolios here.

Expertise you can count on

Every journey needs a guide - we're here to help you every step of the way

A man in a tie with a close-cropped haircut shows a folder of investment documents to a woman in a blue shirt.A man in a tie with a close-cropped haircut shows a folder of investment documents to a woman in a blue shirt.

Need a hand? Ask a pro.

A BMO investment professional can help keep your retirement on the right track.
A man with grey hair and glasses types on a laptop in his kitchen as the sun lights the room behind him.A man with grey hair and glasses types on a laptop in his kitchen as the sun lights the room behind him.

Next up: The basics on mutual funds

What exactly is a mutual fund? And what can it do for you?
A man in a tie with a close-cropped haircut shows a folder of investment documents to a woman in a blue shirt.A man in a tie with a close-cropped haircut shows a folder of investment documents to a woman in a blue shirt.

Need a hand? Ask a pro.

A BMO investment professional can help keep your retirement on the right track.
A man with grey hair and glasses types on a laptop in his kitchen as the sun lights the room behind him.A man with grey hair and glasses types on a laptop in his kitchen as the sun lights the room behind him.

Next up: The basics on mutual funds

What exactly is a mutual fund? And what can it do for you?

Ready to get started?

Existing BMO Customers
If you have an investment account, sign in to purchase mutual funds
Don't have an account?
Let’s change that! Here are three ways to sign up:
Make an appointment
Investment professionals are financial services managers, financial planners, investment and retirement planning and investment specialists who are representatives of BMO Investments Inc. BMO Mutual Funds are offered by BMO Investments Inc., a financial services firm and a separate legal entity from Bank of Montreal. Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the fund facts or prospectus before investing. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated.

1 The BMO Investments Centre has won the DALBAR Mutual Fund Service Award from 2006-2016 consecutively.