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BMO Term Investments

Investing for Small Business
You know your business best. Inside are things you need to consider about your business before building your investment plan.

Developing your Investment Plan
We can offer you the expertise to help you develop and manage an investment plan that meets the unique needs of your business. As a starting point consider your time horizon, liquidity and tolerance for risk.

Investing Strategically
For optimum returns, invest strategically. Use proven strategies to create an investment portfolio that will most effectively meet your goals.

Understanding Your Investment Options
Every business has its own unique investment goals. Understand the basic features, benefits, and the range of options available with BMO Term Investments and BMO Mutual Funds, and how they can add security, growth, and flexibility to your business plan.

Your Investment Options

Cashable Investments: Your business may need ready funds should other opportunities arise. Choosing the right BMO Term Investment can provide you with that flexibility.

Non-Cashable Investments: If you have time to let your investments grow, these BMO Term Investments are right for you.

U.S. Dollar Investments: There are BMO Term Investments that will benefit frequent travellers to the U.S. or those who have a portion of their business there, or if you just want to maintain your U.S. Dollar assets1.

For more information on Investing for Small Business:
Talk to your Commercial Account Manager at a BMO Bank of Montreal branch near you or call BMO Bank of Montreal Direct Banking for Business at 1 877 262-5907



Cashable Investments

Your business may need ready funds should other opportunities arise. Choosing the right BMO Term Investment can provide you with that flexibility.

Product

Description

BMO Term Deposit Receipt

BMO Term Deposit Receipts provide you with the flexibility to redeem prior to maturity.

BMO Cashable RateRiser GIC

Our most flexible RateRiser® option, this 3-year GIC is a wise choice when you may need access to your investment.

BMO RateOptimizer® Plus GIC

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 once each anniversary year.

BMO RateRiser® Plus GIC

Enjoy escalating interest rates while having the opportunity to access your money on each anniversary date.

For more information on Investing for Small Business:
Talk to your Commercial Account Manager at a BMO Bank of Montreal branch near you or call BMO Bank of Montreal Direct Banking for Business at 1 877 262-5907



Non-Cashable Investments

If you have time to let your investments grow, these BMO Term Investments are right for you.

Product

Description

BMO Guaranteed Investment Certificate (GIC)

A guaranteed rate of interest with high security to give you peace of mind.

BMO Progressive GICs

Guaranteed principal protection, diversification and higher earnings potential – all in one convenient solution.

BMO Income Generator

A guaranteed investment solution that is structured to earn interest and pay income monthly.

BMO RateOptimizer® Max GIC

Ideal choice for long-term investors. Offering a unique solution that takes the proven “laddered” investment strategy to an advanced level by offering investors ongoing premium interest rates.

BMO RateRiser® Max GIC

Boost the long-term growth of your investment with competitive interest rates that are guaranteed to increase each year.

BMO Market Index GICs

BMO Market Index GICs offers you the best of both worlds. The opportunity for growth potential based on stock market performance and the security that comes from guaranteed investments.

BMO Dividend Fund Linked GIC

BMO Dividend Fund Linked GIC offers you the opportunity for growth potential based on the BMO Dividend Fund performance (at a set participation rate) and the security that comes from guaranteed investments.

For more information on Investing for Small Business:
Talk to your Commercial Account Manager at a BMO Bank of Montreal branch near you or call BMO Bank of Montreal Direct Banking for Business at 1 877 262-5907



U.S. Dollar Investments1

Product

Description

BMO US$ Term Deposit Receipt

BMO Term Deposit Receipts provide you with the flexibility to redeem prior to maturity.

BMO US$ Redeemable Short-Term Investment

Offers the flexibility to redeem at any time with interest paid to date after the first 30 days.

BMO US$ Fixed-Term Deposit

A guaranteed rate of interest with high security will bring you peace of mind. For investors with $100,000 or more.

For more information on Investing for Small Business:
Talk to your Commercial Account Manager at a BMO Bank of Montreal branch near you or call BMO Bank of Montreal Direct Banking for Business at 1 877 262-5907.

1USD Investments are not eligible for CDIC deposit insurance.


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