How the New Family of BMO RateOptimizer GICs Work

When investors want to hold GICs in the long-term portion of their portfolio, they are advised to create a laddering structure. This starts with a mix of shorter-term GICs where, each year, a portion of their investment would be reinvested at the highest rate of interest – the 5-year rate.

Now, by offering special 5-year rates on the entire investment, the new family of BMO RateOptimizer® GICs takes investors and the proven laddering investment strategy to an advanced level!

Examples provided here are for illustrative purpose only and are not a forecast of future events.
BMO GICs are issued by Bank of Montreal Mortgage Corporation and unconditionally guaranteed by Bank of Montreal.