Product details
Like mutual funds, BMO Guaranteed Investment Funds offer a range of investment options, but with the added security of maturity and death benefit guarantees – plus resets to lock in market gains.
Popular chargeback sales charge option
Wealth transfer maximization by avoiding probatefootnote 1 costs and delays
The ability to preserve capital by locking in market gains through resets
Creditor protection to insulate investment from business liabilityfootnote 2
BMO GIF guarantee options and fund profiles
Our portfolio manager, BMO Asset Management Inc., is a part of BMO Global Asset Management with over $193 billion in combined assets under management for its Canadian operations.Footnote 3
GIF 75/75
The greatest flexibility and choice for your client with the lowest fees.
75% maturity guarantee on deposits and 75% death guarantee.- ETF portfolios ranging from 100% equity to 100% fixed income.
- Prestige Class pricing for high-net-worth clients.Footnote 4
GIF 75/100
Flexibility and lower fees with greater estate protection.
- 75% maturity guarantee on deposits and 100% death guaranteeFootnote 5 with automatic triennial resets.Footnote 6
- ETF Portfolios ranging from 100% equity to 100% fixed income.
- Prestige Class pricing for high-net-worth clients.Footnote 4
GIF 100/100
The highest level of guarantees for capital and estate protection.
- 100% maturity guaranteeFootnote 7 and 100% death guaranteeFootnote 5 on deposits.
- Automatic monthly resets of the maturity guaranteeFootnote 6 & optional triennial resets of the death guarantee.Footnote 8
- Maturity date of 15-25 years.
- Balanced funds for reduced volatility.
- Prestige Class pricing for high-net-worth clients.Footnote 4
Support videos
BMO Guaranteed Investment Funds
Discover why a BMO Guaranteed Investment Funds can be an integral part of your client’s wealth transfer plan.
Tools
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BMO Guaranteed Investment Funds Investor Kit
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BMO Guaranteed Investment Funds Performance Portal
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Insights
Shielding your wealth: Creditor protection for business owners and professionals
Creditor protection can be a critical aspect of financial planning and may shield your assets against potential claims and legal actions. Learn some of the key principles.
Wealth transfer challenges
Segregated fund solutions can help speed the wealth transfer process, making it more cost-effective, efficient, and private.
What is a segregated fund?
Segregated funds: Offered only by insurance companies, they give access to the growth potential of the markets, and their guarantees may mitigate volatility.
Estate planning with life insurance: how the right policy can help
Estate planning is an emotional task with major financial consequences – it can feel overwhelming at times. On the bright side, you have many helpful tools at your disposal.
Contact us
Have questions? Call or email us today for more information about how we can help you.
footnote 1 details Probate fees may not apply in Quebec.
footnote 2 details Creditor Protection rules depend on legislation and vary by province. It cannot be guaranteed. Your clients should consult a legal advisor for their specific situation.
Footnote 3 details As of June 30, 2024.
Footnote 4 details Clients qualify for Prestige Class if they hold $250,000 or more in BMO Guaranteed Investment Funds contracts issued in their name.
Footnote 5 details 100% on deposits made before the Annuitant is age 80 and 75% on deposits made on or after age 80.
Footnote 6 details Resets occur automatically on the last day of each month up to 10 years before the Maturity Date.
Footnote 7 details Deposits made at least 15 years to the Maturity Date are guaranteed at 100%. Deposits made within 15 years to the Maturity Date are guaranteed at 75%.
Footnote 8 details Automatic resets of the Death Guarantee Amount occur every 3rd policy anniversary up to and including the last policy anniversary before the Annuitant’s 80th birthday. Optional benefit. Additional fee applies.