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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

$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.

  • If you’re new to BMO, you’ll need one document from group A and one from group B in order to open a SmartFolio account.

    Group A:

    • CRA (e.g. notice of assessment, GST refund)
    • T4 statement
    • Utility bill (your name must be indicated)
    • Investment account statement

    Group B:

    • Credit card statement
    • Bank statement
    • Loan account statement (e.g. mortgage, car loan, etc.)

    Please ensure your documents:

    • are unaltered, with clearly visible information
    • are valid and provide the most recent records
    • include an account or reference number
    • are an original electronic document (i.e. no photocopies, photographs, faxes or scans)
    • are from different sources

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 (Opens in new window)

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 (Opens in new window)

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 (Opens in a new tab) at the 2017 Thomson Reuters Lipper Fund Awards