BMO Retirement Portfolios
Everyone is unique, as is their path to a healthy retirement. We have built portfolios for the life you have envisioned for your golden years.
Preserve your money today, to grow tomorrow
Investors have different goals, time horizons and tolerance for risk. BMO’s retirement portfolios work alone or as a group to help meet the unique goals you have set for your retirement.
Our approach focuses on more consistent returns, while providing both capital preservation and growth potential, to ensure your retirement portfolio is as healthy and active as you are in your golden years.
Benefits of investing in BMO Retirement Portfolios
Capital preservation
Move beyond traditional assets to preserve your capital. BMO offers solutions that help protect portfolios from sudden shifts in markets.
Diversify investments
Multi-asset strategy that is flexible, diversified and hedged against significant market declines. BMO uses ETFs, options, and fixed income to the asset mix to diversify.
Reduce uncertainty
Market volatility takes on greater significance if you are near retirement. Our portfolios help limit the uncertainty so that you can enjoy your long retirement.
Grow wealth
Realize more consistent growth potential to fund your retirement lifestyle by benefiting from our geographic exposure, diversification, and risk management.
Discover the portfolio most suitable for you
Your dream retirement won’t happen on its own. Choose the BMO retirement portfolio that matches your risk tolerance and retirement goals.
BMO’s investment approach to achieve your retirement goals
We focus on globally diversified fixed income with tactical allocations to provide opportunistic growth. We manage duration to protect against the potential of rising rates and reduce currency risks via dynamic hedging strategies.
BMO Risk Reduction Equity Fund
Meet the investment team
Charles-Lucien Myssie, CIM
Charles joined the BMO ETF team as a Portfolio Manager for derivative and equity-based portfolios. He brings over two decades of experience in the investment industry. Prior to joining BMO, Charles served as Portfolio Manager-Trader for seven years, where he managed equity derivatives value-added strategies and helped build the equity derivatives book. More recently, he played a key role as a derivatives sales-strategist with CIBC capital markets covering institutional clients such as pension plans, asset managers and real money accounts for the Quebec market. Charles holds a master degree in Econometrics from the University Paris X, France.
Resources and documents
Start investing with us
Financial advisors, please contact your regional wholesalers, or call us on 1-800-668-7327
If you are an investor, please speak to your financial advisor about including one or more of our mutual funds in your portfolio.
Retirement portfolios FAQs
BMO Retirement Portfolios are mutual funds with a flexible multi-asset strategy that invest in a diversified mix of exchange-traded funds, option strategies and other fixed income. This approach helps minimize volatility and provide capital preservation and consistent growth potential in your portfolio, so you can fund your retirement lifestyle.
Whether you’re in the prime age of wealth accumulation, closer to retirement or enjoying your golden years, BMO provides investors options to invest in income, conservative, and balanced portfolios – each meeting different financial needs and risk appetites.
BMO Retirement Portfolios provide a comprehensive range of investment options which not only generate regular income for retirees, but also provide capital growth opportunities. BMO’s retirement portfolios are managed by experienced investment professionals who use diversification and risk management techniques to generate consistent returns for retirees.
Portfolio solutions are a subset of mutual funds. Single-manager mutual funds invest directly in the stock and bond markets. Portfolio solutions, while still available in a mutual fund format, invest in other mutual funds and/or ETFs. They provide greater diversification and regular rebalancing.
Portfolio managers allocate assets to provide diversification and manage risks. Investment portfolios generally distribute allocations among stocks, bonds, and cash or cash equivalents, keeping in mind investors’ goals, their risk tolerance, and the time horizon.
A balanced portfolio, for example, could be a 60/40 split between stocks and bonds for investors who seek balance between growth and capital preservation. An income portfolio, on the other hand, typically aims to preserve capital and generates consistent income with the bulk of the portfolio invested in fixed-income securities, which are often considered more conservative compared to stocks.
During retirement, it’s important to pursue an investment strategy which generates consistent income, minimizes risk, and preserves capital. A good portfolio mix for a retiree is one which can help support the lifestyle you’ve envisioned for yourself throughout the retirement period. If you are an investor in retirement, please speak to your financial advisor to discuss an appropriate portfolio that suits your investment risk and goals.
Disclaimers
Commissions, trailing commissions (if applicable), management fees and expenses all may be associated with mutual fund investments. Please read the 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. Distributions are not guaranteed and are subject to change and/or elimination.
For a summary of the risks of an investment in BMO Mutual Funds, please see the specific risks set out in the prospectus.
BMO Mutual Funds are managed by BMO Investments Inc., which is an investment fund manager and a separate legal entity from Bank of Montreal.
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