RIF Investment Options

Select one of the following investment options

• BMO RIF Savings
• BMO RIF Guaranteed Investment Certificates (GICs)
• BMO Mutual Funds

BMO RIF Savings
Access your entire balance – or just a portion – at any time, with no interest penalty.

• Safety of your initial investment (capital preservation)
• Stability of interest rate returns
• Predictable income

Issued by Bank of Montreal.

Back to top of page

BMO RIF Guaranteed Investment Certificates (GICs)
Invest over the long term and enjoy guaranteed rates, security and capital preservation.

• Blend & Extend® program allows you to renew one or more GICs early to take advantage of current rates if they are higher.
• Consolidate all your GICs into one single, easy-to-manage GIC.

Issued by Bank of Montreal or Bank of Montreal Mortgage Corporation and unconditionally guaranteed by Bank of Montreal.

Back to top of page

BMO Mutual Funds
Choose from a wide range of funds and portfolios, which offer:

• Professional management
• Diversification
• Ease and convenience
• Opportunity for higher returns
• No-load fees for purchases, switches and redemptions

BMO MatchMaker® Strategic Portfolios
BMO Mutual Funds offers personalized portfolios with the right strategic mix of cash, fixed-income and equity investments to suit your investment goals and maximize return potential within your comfort level for risk.

Individual BMO Mutual Funds
BMO Mutual Funds are grouped into the following six categories:

• Security funds
• Income funds
• Growth funds
• Aggressive growth funds
• BMO LifeStage Plus Funds
• BMO FundSelect Portfolios

BMO Matchmaker Strategic Investment Service, BMO Intuition Portfolios and BMO Mutual Funds are offered by BMO Investments Inc., a financial services firm and separate legal entity from Bank of Montreal. Commissions, trailing commissions, management fees and expenses all may be associated with mutual funds and the use of an asset allocation service. Please read the prospectus of the mutual funds in which investment may be made by you or under the asset allocation service before investing. Mutual funds are not guaranteed, their values change frequently, and past performance may not be repeated.