How SmartFolio works
Welcome to investing on autopilot! Once we get to know you and your investing goals with a few simple questions, our team will match you with an (ETF) portfolio and take care of the rest.
The SmartFolio process
We get to know you
Getting to know who you are helps us match you with the right investing portfolio. Tell us about your investing objectives and risk tolerance and we’ll find a solution that gets you to your goals.
Together, we evaluate your:
Investment goals- Investing knowledge
- Current financial position
- Risk tolerance
- Time horizon
You’re matched with an ETF portfolio
We won’t put all of your eggs in one basket. Your model ETF portfolio is built and managed by our team of experts. We build you a diverse portfolio, covering different regions and a wide range of industries, based on our professional team’s insights and data.
We understand that every investor is different. That’s why, after getting to know you, we assign you an investor profile that matches your investment goals.
Capital Preservation
Best suited for: Investors who want to receive income while looking to invest for the intermediate to long term.
Investor risk tolerance: Low
Target asset allocation:
- 10% Equity
- 90% Fixed Income
Income
Best suited for: Investors who want regular income and are investing for the intermediate to long term.
Investor risk tolerance: Low
Target asset allocation:
- 30% Equity
- 70% Fixed Income
Balanced
Best suited for: Investors who are looking for some income and long-term growth.
Investor risk tolerance: Medium
Target asset allocation:
- 50% Equity
- 50% Fixed Income
Long Term Growth
Best suited for: Investors who want some income and are looking to invest for long-term growth.
Investor risk tolerance: Medium to high
Target asset allocation:
- 70% Equity
- 30% Fixed Income
Equity Growth
Best suited for: Investors who want to invest primarily in equities and are looking to invest for the long term.
Investor risk tolerance: High
Target asset allocation:
- 90% Equity
- 10% Fixed Income
We manage your portfolio for you
Your SmartFolio model ETF portfolio is carefully managed by our team of industry-leading global experts. Your portfolio is constantly monitored to track and match your goals.
- Our experts leverage BMO ETFs to optimize your portfolio’s performance.
- The GAM (Global Asset Management) team identifies the trends that are driving market activity in their local regions.
- We keep your investments in sync with your goals – simply let us know if your priorities change and we’ll adjust your portfolio.
We help keep your portfolio on track
With 24/7 portfolio monitoring, you can relax knowing your portfolio is expertly managed
We work for you
Our SmartFolio portfolio experts base every decision on what is best for the portfolio that you are matched with.
We’re not robots, but we do work with a few
After our experts have curated a selection of ETFs we use advanced algorithms to enhance your returns within your level of risk.
Around-the-clock monitoring to keep you on course
If an asset class rises too much, we’ll restore the ideal asset balance. If market movements cause the portfolio to drift, we’ll put it back on course.
Global industry leaders working for you
You get all of the benefits of working with the world’s best advisors and managers, BMO Nesbitt Burns and BMO Global Asset Management, without the high cost.
Meet our advisors
You’ll be supported by dedicated SmartFolio Advisors available on live chat, email or by phone. They’re here to answer all of your questions, help set up your account, assist with transfers and provide ongoing support whenever you need it.
Seydou Mendes Da Mata
"I love getting to know my clients so that I can genuinely support them on their financial journey. I strive to ensure my clients’ investments are tailored to their long-term vision to help them materialize it. In my free time, I can be found playing chess or tennis, and spending time with my family."
Carlos Vasquez
"My objective is to help you get the most out of your investing experience and personalized advice. Nothing beats the feeling I get when my clients tell me that they feel empowered and confidently take the steps to optimize their portfolios. During my free time, I’m an avid reader of historical biographies, cross-country skiing, mountain biking and spending time with my family."
Risto Karev
Risto has more than 4 years in the investment industry, he have developed an understanding of what it takes to drive client satisfaction and achieve measurable results. His clients are always top priority, ensuring that every interaction is guided by a deep understanding of their goals and challenges. During his free time, Risto enjoys playing with my 6 years old son, laughing and practicing sports.
Xavier Felix
Xavier graduated from the university of Calgary in Finance and pursued a career in investments. He believes in achieving the client's financial goals with every milestone in life. He encourages client to learn about themselves and how their money can work for them. On his time off, he enjoys travelling, swimming, and teaching and plays tennis. He is also loves to help people grow and learn in all aspects of life.
Matthew Hagerman
Matthew graduated form the Business Administration Financial Management at NBCC. Matthew enjoys speaking with our clients and helping them find right solution. During his free time, he is an avid reader of fantasy novels and runs a Dungeons and Dragons campaign for his friends.
Camilla Bastos
Camilla has foundation in finance and business, and over five years of experience in the investment field. She is committed to delivering exceptional customer experiences. For her, nothing feels better than having a satisfied client. Outside of work, you'll often find Camilla enjoying the outdoors, whether it's walking with her dog or exploring nature with family and friends.
Not sure if SmartFolio is right for you?
We’ve got other investing options
InvestorLine Self-Directed
Online trading
You’ve got this! Take control of your investments, from research and trading to tracking your portfolio’s progress.
InvestorLine adviceDirect
Online trading with advice
You’re in charge of trading. We’ll provide personalized support from registered investment advisors, but you make the decisions.
BMO SmartFolio
Online portfolio management
Get matched with a portfolio based on your goals and we’ll take care of the day-to-day investment management.
SmartFolio FAQs
We will help you discover your risk tolerance through a questionnaire and will invest your funds in an affordable ETF Model Portfolio that matches your objectives. A team of expert BMO portfolio managers then actively manages the Model Portfolio.
An ETF (Exchange Traded Fund) is an investment fund that represents a basket of stocks, bonds or other investments. Unlike conventional mutual funds, an ETF is traded on a stock exchange and often tracks a market index or may have a specific investment strategy.
ETFs are an attractive investment for several reasons. They offer investors:
- Liquidity – through buying and selling during the trading hours of the stock exchange.
- Diversification – potentially lower risk than individual securities.
- Exposure – to a portfolio of stocks or bonds.
- Portfolio transparency – on a daily basis.
- Cost-efficiency – low management fees.
- Tax efficiency – with potential for low capital gains distributions.
We use ETFs when building portfolios as they provide excellent diversification while simultaneously reducing trading expenses for you.
This is because the funds allow access to an entire index worth of stocks or bonds with a single ETF purchase, with the savings passed on to you. If you find yourself needing access to your money quickly, ETFs give you the ability to liquidate your portfolio.
In addition ETFs have the benefit of transparency. They are required to update their holdings daily rather than quarterly in the case of Mutual Funds.
We are not able to transfer in outside investments into your BMO SmartFolio account. We ask that all investments are transferred in cash, which will promptly be invested to match your Model Portfolio.
We do not allow for non-model portfolio holdings to be purchased within your SmartFolio account; however we have other great offerings that allow you to transfer your alternative holdings should you wish.
Want to learn more about online investing?
Are you ready for online investing?
Here’s how to know if you’re ready to start investing online.
How much control do you want over your online investments?
Do you want to chart your own course or fly on autopilot?
7 healthy habits for online investors
Learn how healthy investing habits can lead to success.
Have questions? That’s what we’re here for.
Call us
Connect with an Advisor from Monday to Friday 8 a.m. to 6 p.m. (ET).
Let us contact you
Have one of our Specialists contact you to discuss your needs.
