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Limited time offer: Get up to $1,000 cash back!   Take advantage today
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Get cash back on every dollar you invest plus a transfer rebate of
up to $200 for switching to BMO.*

Invest more. Earn more.

You invest: You earn:
$5,000 $25 cash back
$50,000 $250 cash back
$100,000 $500 cash back
$200,00 or more $1,000 cash back

Use Promo Code: PROMO1000

BMO SmartFolio

Smart Digital Investing for all Canadians

Illustration of portfolio manager on a laptop

help you invest smarter with confidence

Illustration of a dollar sign with a down arrow

with advisory fees from 0.4 to 0.7%.

Illustration of a clock

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

$1,000

$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
0/mo

Monthly Account Fees

A 2% fee portfolio
0/mo

Monthly Account Fees

Value of fee savings over time:

Compared to a 2% fee portfolio
0
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
4+
Times your portfolio is rebalanced per year
0.7%
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.

Looking for more hands-on investing? No problem.

There are other online options available that give you more control of your investing.

BMO InvestorLine Self-Directed®

Take full control of your investments

A great choice if: you want to be in control of the entire investment process, from research and trading to tracking your portfolio's progress

BMO InvestorLine adviceDirect®

Your virtual investment advisor

A great choice if: you want to trade yourself, with built-in guidance backed by expert analysis to help you decide what to do

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.

smart.folio@bmo.com

Schedule a call

Have a BMO SmartFolio Representative contact you.

Call us

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

1-844-895-3721

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