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BMO SmartFolio

Smart Digital Investing for all Canadians

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Dedicated advisors

help you invest smarter with confidence

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Save on fees

with advisory fees from 0.4 to 0.7%.

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Total transparency

of performance, fees and progress towards your goals.

What is SmartFolio?

SmartFolio is a digital investing experience that helps you invest online with confidence. The first service of its kind by any bank in Canada, SmartFolio gives you the convenience of online investing with the support of expert portfolio managers.

The benefits of low-fee investing

Management fees can really have an impact on your investments over time. The graph below shows how lower fees improve the return of a portfolio with a 0.7% fee vs a 2% fee (with a 6% return). To see the difference lower fees can make to your investments, simply enter your investment amount and the number of years you plan to invest:

Input your investment amount or use the slider to calculate your fees.

Please enter value between $1,000 and $500,000



Input the number of years you plan to invest your money or use the slider.

Please enter value between 5 years and 25 years

5 years

25 years

What it costs:

A 0.7% fee portfolio

Monthly Account Fees

A 2% fee portfolio

Monthly Account Fees

Value of fee savings over time:

Compared to a 2% fee portfolio
Our Fees Explained

Online investing with a human touch

SmartFolio is an online service, but your portfolio is managed by experienced professionals. Your portfolio management team regularly reviews and adjusts your portfolio, so you don’t have to worry about making trades or market changes. They do all the heavy lifting, you reap all the rewards.

Learn more about what we do

SmartFolio by the numbers

300 years
Combined experience of Portfolio Managers and Chartered Financial Analysts
Times your portfolio is rebalanced per year
fee for managing your portfolio

Smart ways to invest with SmartFolio

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Getting started with SmartFolio

It’s quick and easy to open a SmartFolio account if you’re a BMO customer. Once you complete our risk questionnaire, we just need:

  • An estimate of your net worth
  • Your social insurance number
  • Your bank information

Not a BMO customer? We’ll need to get to know a little more about you to get you started.

Ready to start investing?

Open your SmartFolio account and let us help you reach your financial goals. Start by getting matched with an ETF Portfolio.

More ways to invest online

Connect with us

Live Chat

8:00 a.m. - 8:00 p.m ET
Monday to Friday

Email us

Feel free to send us a note, but please don’t send account numbers and/or passwords.

Schedule a call

Have a BMO SmartFolio Representative contact you.

Call us

8:00 a.m. - 8:00 p.m ET
Monday to Friday


1 Seven BMO ETFs were awarded top honours at the 2017 Thomson Reuters Lipper Fund Awards