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Investment Options
Find out which GICs & Term investments are ideally suited for your unique investment needs.
Cashable Investments
These investments offer the security and flexibility to access your funds at varying times, depending on the investment chosen.
BMO Redeemable Short-Term
Investment Certificate
Offers the flexibility to fully or partially redeem at any time. Interest is paid on GICs held more than 30 days.
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BMO Variable Rate GIC
Offers an interest rate linked to the BMO Bank of Montreal prime rate, with the flexibility to fully or partially redeem at any time. Interest is paid on GICs held more than 30 days.
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more information.
BMO AIR MILES®† GIC
Offers competitive interest rates while earning valuable Air Miles reward miles, with the flexibility to fully or partially redeem at any time. Interest is paid on GICs held more than 30 days.
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BMO Term Deposit Receipts
Offers various terms, including terms of less than one year, with the flexibility to fully or partially redeem at a reduced rate of interest.
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BMO Cashable
RateRiser® GIC
A three-year GIC that offers guaranteed and competitive escalating rates with preset opportunities to access all or part of your funds.
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BMO RateRiser® Plus GIC
A three- or five-year GIC that offers guaranteed and competitive escalating rates with opportunities to access all or part of your funds on each anniversary of the issue date.
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BMO RateOptimizer® Plus GIC
An ideal choice for long-term investors. A unique solution that takes the proven “laddered” investment strategy to an advanced level. Offering ongoing, competitive interest rates plus access to 25% of the outstanding balance on each anniversary of the issue date.
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RSP Premium Rate Savings Account
Provides the security and flexibility to access your funds at any time without penalty, while earning a premium rate of interest. Eligible for Continuous Savings Plan
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Non Cashable Investments
These investments are suitable for investors who are comfortable with locking in their funds for a specific period of time to meet both short-term and long-term investment goals.
BMO Guaranteed Investment
Certificates (GIC)
Offers a guaranteed rate of return on your investment with various terms.
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BMO Short-Term Investment
Certificate
Offers a guaranteed rate of return on your investment with various terms, including terms of less than one year.
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BMO RateRiser Max GIC
A three- or five-year GIC that offers guaranteed and competitive escalating rates.
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BMO RateOptimizer Max GIC
An ideal choice for long-term investors. A unique solution that takes the proven “laddered” investment strategy to an advanced level, offering competitive interest rates.
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BMO Progressive GICs
A simple way to get the best of both worlds – principal protection and the potential for equity-linked returns.
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Income Generating Investments
Whether you are retired, or simply looking to enhance your income flow, BMO Term Investments offers a number of solutions with various interest payment options. These investments are ideal if you are seeking a steady stream of predictable income to help with your expenses and want to ensure that the rest of your funds remain invested. If your goal is to generate income from your investments, then learn more about the various income payment options available to you by contacting one of our investment professionals at 1 877 225-5266.
BMO Income Generator
Allows you to customize the amount of income you will need to receive from your investment each month, while the rest of your funds continue to earn interest at a competitive 5-year GIC rate.
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U.S. Dollar Investments
If you are looking to invest your U.S. dollars or you travel to the U.S. frequently, GICs in U.S. dollar denominations could be ideal for you. Examples include:
BMO US Dollar Term Deposit Receipt
provides you with the flexibility to redeem prior to maturity at a reduced rate
of interest.
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BMO US Dollar Redeemable
Short-Term Investment
offers the flexibility to redeem at any time with
interest paid on redemptions made after the first 30 days.
Get more information.
BMO US Dollar Fixed-Term Deposit
is a
non-redeemable investment that offers a guaranteed rate of interest with high
security for investors with USD$100,000 or more.
Get more information.
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