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Investing with B M O

Whether you’re an investing pro or are just starting out, we have options for you -- both online and with an investment
professional.

Flexible investing options, whatever your goals or risk appetite
Expert advice you can trust from investment professionals
Convenient access to your accounts and portfolios anytime online

Limited time offers from BMO

Earn up to $3,500 when you invest at BMO with these great offers.

Learn more

Get up to $3,500 when you transfer your investments to BMO Mutual Funds.^*

table showing the customer bonus at different investment tiers
Invest	Bonus
$10,000 - $49,999	$150
$50,000 - $99,999	$300
$100,000 - $249,999	$500
$250,000 - $499,999	$1,000
$500,000 - $999,999	$2,000
$1,000,000+	$3,500

Invest with BMO and get all-in-one advice for your portfolio and financial plan. Talk to a BMO investment professional to opt into this offer and claim your bonus today.

Book an appointment

Schedule a call

^*Terms and conditions apply

Account types for every investor

Long-term, short-term and everything in between: B M O has the right mix of accounts to help you reach your saving and investing goals.

Registered accounts
Accounts that are registered with the government, and offer tax incentives, such as a T F S A, R R S P and R E S P.
Great for: Retirement and other long-term savings.
Locked-in accounts
Accounts that are used in retirement to access your savings, such as a L I R A, L R S P and L R I F.
Great for: Anyone looking to invest their pension from a prior company.
Non-registered accounts
Accounts not registered with the government, such as Individual or joint, cash or margin accounts.
Great for: Short-term savings and holding liquid cash, or for anyone who has maxed out their T F S A and R R S P and want to keep saving.
Corporate/non-personal accounts
Non-personal accounts such as association, corporate, estate and trust accounts.
Great for: Anyone investing on behalf of another individual, a business or an association.

Explore all investing accounts

Invest online

Rookie or pro, hands-on or hands-off, we have a way to invest online that fits your style. Need some guidance along the way? You have access to professional advice as well.

Compare options

Invest with an investment professional

Want expert advice at every step of your investing journey? BMO’s investment professionals can set you on the right course – and they can meet in-person or over the phone.

Compare options

Help me choose

Unsure about the right accounts or investment types? Use our “Help Me Choose” tool to find an investment plan for your goals.

Get started

Discover the power of long-term investing

See how investing and compound interest can help grow your savings over time – and help you reach your investment goals.

What is your starting investment amount?

$0$250,000

How much do you plan to contribute monthly?

$0$2,500

How long do you plan to invest for?

0 years40 years

Projected growth:$119,035

Investing products

No matter your investment goals, we have the right mix of products to help you reach them. Once you’ve figured out your investment goals, you can choose which products you’d like to hold in your accounts.

GICs
Discover B M O's principal-protected guaranteed investment certificates.
Mutual funds
Discover how mutual funds can help you achieve your financial goals.
Stocks
Discover how you can add equities to your investment portfolio.
ETFs
Discover B M O’s market-leading exchange traded funds.
Options
Explore the versatility of trading options to boost your profit potential and optimize your portfolio.

Compare investing products

What are you saving for?

Know your savings goal, but unsure how to get there?

Choose what you’re saving toward, and we’ll show you some ways to get there.

I want to:

Investing tools and resources

Cash flow worksheet
Take control of your budget.
TFSA calculator
Plan your TFSA savings.
RRSP savings calculator
Plan your R R S P savings

Learn more about investing with BMO

The golden rules of investing

We've got 7 rules for growing your investments – and reaping greater rewards.

Understanding RESP rules and contribution limits

Discover how you can use an RESP to fund your children’s education.

TFSA vs RRSP: Here’s what you need to know

Learn about the magic of compound interest – and the amazing impact it can have on your investments.

Ways to contact us

There are various ways to get in touch. Choose your preferred method.

Investing with a professional

Online investing

Book an appointment

Find a branch

- footnote * detailsTerms and conditions apply
- footnote *Terms and conditions apply
- B M O Mutual Funds are managed by B M O Investments Inc., which is an investment fund manager and a separate legal entity from Bank of Montreal. B M O Mutual Funds are not insured by the C D I C.
- Commissions, trailing commissions (if applicable), management fees and expenses all may be associated with mutual fund investments. Please read the E T F facts, fund facts or prospectus of the relevant mutual fund before investing. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated.
- For a summary of the risks of an investment in the B M O Mutual Funds, please see the specific risks set out in the prospectus. E T F Series of the B M O Mutual Funds trade like stocks, fluctuate in market value and may trade at a discount to their net asset value, which may increase the risk of loss. Distributions are not guaranteed and are subject to change and/or elimination.
- ^‡ BMO Canadian Market GICs are issued by Bank of Montreal Mortgage Corporation and guaranteed by Bank of Montreal. The principal amount of a BMO Canadian Market GIC is guaranteed and is repayable upon maturity and, in addition, the GIC provides a minimum guaranteed rate of return, but there is no guarantee you will receive any additional return based on the performance of the underlying investments. The rate of return for the term payable is the return on the Reference Portfolio, but will not be less than the Guaranteed Rate of Return for the Term or more than the Maximum Rate of Return for the Term. The return on the Reference Portfolio, if any, is determined without reference to any dividends or distributions paid on the securities in the index and is the simple average of the percentage changes in (i) the value of each index in the Reference Portfolio as of the market close 2 business days after the issue date of the GIC, and (ii) the closing values of each index on the calculation date set out in the Terms and Conditions for the GIC. The rate of return for the term is not an annual rate but is the rate of return over the entire term of the GIC. If market disruptions or other special circumstances affect the calculation of the return, the calculation agent may adjust or delay the calculation or payment of interest, estimate the value of the underlying index or a security in the underlying index, replace a security or the underlying index and/or determine the amount of interest, if any, that may be payable in an alternate manner. The rate of return, if any, is based on a price return index, not a total return index. The Terms and Conditions for BMO Canadian Market GICs are available at your local BMO Bank of Montreal branch.footnote ‡ details B M O Canadian Market Guaranteed Investment Certificates are issued by Bank of Montreal Mortgage Corporation and guaranteed by Bank of Montreal. The principal amount of a B M O Canadian Market G I C is guaranteed and is repayable upon maturity and, in addition, the G I C provides a minimum guaranteed rate of return, but there is no guarantee you will receive any additional return based on the performance of the underlying investments. The rate of return for the term payable is the return on the Reference Portfolio, but will not be less than the Guaranteed Rate of Return for the Term or more than the Maximum Rate of Return for the Term. The return on the Reference Portfolio, if any, is determined without reference to any dividends or distributions paid on the securities in the index and is the simple average of the percentage changes in (i) the value of each index in the Reference Portfolio as of the market close 2 business days after the issue date of the G I C, and (ii) the closing values of each index on the calculation date set out in the Terms and Conditions for the G I C. The rate of return for the term is not an annual rate but is the rate of return over the entire term of the G I C. If market disruptions or other special circumstances affect the calculation of the return, the calculation agent may adjust or delay the calculation or payment of interest, estimate the value of the underlying index or a security in the underlying index, replace a security or the underlying index and/or determine the amount of interest, if any, that may be payable in an alternate manner. The rate of return, if any, is based on a price return index, not a total return index. The Terms and Conditions for B M O Canadian Market Guaranteed Investment Certificates are available at your local B M O Bank of Montreal branch.
- An adviceDirect account is a non-discretionary fee based account which offers investment recommendations. adviceDirect does not provide portfolio management by a portfolio manager. The client makes their own investment decisions and manages their own investment portfolio. adviceDirect does not offer discretionary, managed accounts.
- adviceDirect is a product of BMO InvestorLine Inc. BMO InvestorLine Inc. is a member of BMO Financial Group.^® Trademarks of Bank of Montreal, used under license.

Investing with B M O

B M O Mutual Funds

B M O Canadian Market G I C footnote ‡

Account types for every investor

Registered accounts

Locked-in accounts

Non-registered accounts