BMO Moderate Allocation Fund

Fund overview


To provide total investment return from income and appreciation.


Net fund assets

Morningstar Rating

    Portfolio managers

    Jon Adams
    Portfolio Manager
    Mike Dowdall
    Portfolio Manager

    Multi-asset insights

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    September 2020

    Interest rates: Lower for longer…or forever?

    On September 16, 2020, we received further confirmation that the Fed is prepared to provide whatever support the economy needs including further action should the recovery tail off.

    August 2020

    Biden goes the predictable route

    After a lengthy vetting process, Democratic presidential candidate Joe Biden selected Senator Kamala Harris as his running mate for the 2020 presidential election.

    August 2020

    U.S. presidential election outlook

    As the 2020 election season heats up, it is important to understand the investment implications of a potential change in government versus the status quo.

    July 2020

    The U.S.-China relationship in a changing global economy

    An inevitable blame game between the U.S. and China has followed COVID-19, but the crisis has really just extended the “trust deficit” that has been steadily building between the two countries in recent years.

    July 2020

    COVID-19 isn’t going away

    We think the most detrimental economic effects of the virus are unlikely to return, though the human cost may become more painful yet in the U.S.

    July 2020

    The hidden value in corporate bonds

    Since late March, US investment grade corporate bonds have recovered approximately 80% of their Covid-driven spread widening.

    Performance data quoted represents past performance and past performance is not a guarantee of future results. Investment returns and principal value will fluctuate so that an investor’s shares, when redeemed, may be worth more or less than their original cost. Mutual fund performance changes over time and current performance may be lower or higher than what is stated. To receive the most recent month-end performance, call 1-800-236-3863. Returns quoted are pre-tax. Investor should consider his or her current and anticipated investment horizon and income tax bracket when making an investment decision as the illustration above does not reflect these factors. For more information about performance, please contact your investment professional. Total returns for periods of less than one year are cumulative.

    The BMO Moderate Allocation Fund is the successor to the portfolio of a collective trust fund managed by the Adviser. The quoted performance data includes the performance of the collective trust fund for the periods before the BMO Moderate Allocation Fund commenced operations, not adjusted to reflect the BMO Moderate Allocation Fund’s expenses. The collective trust fund was not registered under the Investment Company Act of 1940 (“1940 Act”) and therefore was not subject to certain investment restrictions that are imposed by the 1940 Act. If the collective trust fund had been registered under the 1940 Act, the performance may have been adversely affected.

    Net expense ratios reflect contractual fee waivers and/or expense reimbursements if applicable, made by BMO Asset Management Corp., the investment adviser (Adviser). The Adviser may not terminate these fee waivers and/or expense reimbursements prior to December 31, 2020 without the consent of the Board of Directors, unless the investment advisory agreement is terminated. Without these contractual waivers, the Fund’s returns would have been lower.

    Each Target Risk Fund is subject to the volatility of the financial markets, including equity and fixed income investments in the U.S. and abroad and may be subject to risks associated with investing in high yield, small cap, commodity-linked, and foreign securities.

    Asset allocation funds are designed to be an integral part of an investor’s overall retirement investment strategy. However, they are not designed to provide investors with a complete solution to their retirement needs. Investors must consider many factors when choosing an investment strategy for their retirement.

    Bloomberg Barclays U.S. Aggregate Bond Index is an unmanaged index that covers the U.S. investment-grade fixed-rate bond market, including government and credit securities, agency mortgage pass-through securities, asset-backed securities and commercial mortgage-based securities. Investments cannot be made in an index.

    Effective December 19, 2014, the BMO Moderate Balanced Fund has changed its name to the BMO Moderate Allocation Fund.

    ¹ For money market funds, current and effective 7-day yield displayed as of today’s date. Yield will vary. The yield quotations for money market funds more closely reflect the current earnings of the fund than the total return quotations. The 7-day effective yield is based on the 7-day yield and is then compounded and annualized. Total returns for periods of less than one year are cumulative.