A simple, all-in-one portfolio solution that provides maximum diversification with no risk to your initial principal invested. You benefit from hindsight at the end of the term, to determine which one of three different portfolios is right for you. At the end of the term, we will automatically pay a return based on the best performing of three underlying portfolios.

If none of these portfolios have a positive return over the term, you will receive all of your initial investment back – it is 100% principal protected. Using hindsight provides a level of diversification not attainable before and provides peace-of-mind while reducing the complexity of aligning your financial goals to a portfolio.

• Principal protection – 100% principal protection
  
  

• Hindsight - at the end of the term, investors will automatically get paid a return linked to the best performing of three underlying portfolios
  
  

• Maximum diversification – investors will have the confidence in knowing that they will never have to spend time worrying about having the right portfolio mix
  
  

• Manage investment risk – protection from market corrections to help reach investment goals
  
  

• Eliminates the need to make up-front asset allocation decisions - instead offers a "look-back" feature that allows investors to benefit (at a set participation rate) from the returns of the best performing of three underlying portfolios
  
  

• Ensures that all risk profiles are able to safely benefit from market conditions
  
  

• Peace of mind – fully guaranteed by Bank of Montreal
  
  

• Low minimum investment of $1,000
  
  

• RSP eligible
  
  

• Eligible for CDIC deposit insurance, up to applicable limits