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
Omanand Karmalkar, CFA
Omanand is a portfolio manager on the BMO ETF team focusing on equity, derivatives-based and multi-asset portfolios. Prior to joining BMO Asset Management Inc., Omanand was a Portfolio Manager at TD Asset Management on the Asset Allocation team where he provided tactical/strategic portfolio design and ongoing risk management for the fund-of-fund and retirement solutions. He also helped develop new innovative solutions and managed option strategies. He holds a Bachelor of Mathematics from the University of Waterloo and is a CFA Charterholder.
Chris Heakes, CFA, M.Fin
Chris joined the BMO ETF portfolio management team in 2011, and focuses on factor-based equity and derivative-overlay portfolios, including but not limited to BMO’s Low Volatility, Dividend, and Covered Call equity ETF suites. His prior investment experience includes a role as a quantitative equity research associate, and work in investment funds product and client support. Chris holds a Masters of Finance from the University of Toronto, Rotman School of Management (Dean’s List), where he studied investments, including derivatives and derivative pricing. Chris also holds a Bachelor of Arts degree from the University of Waterloo with studies in History and Mathematics and the CFA designation.
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.
Chris McHaney, CFA
Chris has over two decades of experience in the investment industry and currently serves as portfolio manager for derivative-based and equity-based portfolios. This includes the management and trading of options on Canadian, US & European equities and ETFs. He also manages various cross-asset portfolios, which include Canadian and US fixed income and global equities. He has taken on numerous roles since joining BMO Financial Group in 2002, including Manager of Investments for BMO Asset Management Inc. where he was responsible for mutual fund manager monitoring and selection. In this role, he was also responsible for overseeing the currency hedging program across the mutual fund platform. Chris holds a BBA from York University’s Schulich School of Business and is a CFA charterholder.
Resources and documents
BMO Retirement Portfolios Client Brochure
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
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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