常见问答

BMO SmartFolio is an easy and affordable, “hands-free,” professionally managed, online portfolio service.

BMO智能投资组合是一项为寻求可负担投资解决方案的客户提供的在线投资组合管理服务。虽然智能投资组合是一项类似于智能投顾的数字服务，但拥有一支专业投资组合经理团队来制定所有的投资决策。智能投资组合管理团队由17名专业人士组成，拥有合并超过300年的金融从业经验，其中包括五位经认证的投资组合经理和八位特许金融分析师（CFA）。

作为注册流程的一部分，我们将向您提出一系列问题，以帮助针对您的BMO智能投资组合账户确定您的投资目标与风险承受能力。完成之后，将会自动向您显示一个与您的目标相符的投资组合模型供您审核。作为最后核实，BMO智能投资组合的注册代表将对您的完整申请进行评估，以确保您的投资组合符合您的投资需求。当您接受该投资组合之后，就会相应分配您的资金。

You can open a BMO SmartFolio account online at any time. 您将需要提供一些信息并回答几个问题，以帮助我们确定您的投资目标。如果您有任何疑问，您可以致电我们的投资专业人士： 1-844-895-3721，发送电子邮件至 Smart.Folio@bmo.com 或立即启用网站的对话功能 www.bmo.com/smartfolio。

任何达到其所在省份或地区法定成年年龄的加拿大居民都可以开设BMO智能投资组合账户。

BMO SmartFolio currently provides the following types of accounts:

• 投资账户
• 联名投资账户
• 注册退休收益型基金 (RRIF)
• Registered Retirement Savings Plans (RRSP)
• Registered Education Savings Plans (注册教育储蓄计划（RESP）)
• Spousal Registered Retirement Income Fund (RRIF)
• Spousal Registered Retirement Savings Plans (RRSP)
• Tax Free Savings Account (TFSA)

未来的账户类型还将包括：

• 锁定退休账户（LIRA）
• 企业/非个人账户

鉴于BMO智能投资组合的性质，您不需要交易授权。您随时可以设置一名代理人，但是请务必了解该代理人将能在无需参考您的意见的情况下全权决定您的账户资金转入和转出。请确保您指定的代理人值得您的信赖。

每个BMO智能投资组合的最低账户资金要求为$1000。

账户金额低于$1000时将被变现剥离。

我们可接受以下注资方式

• Cheque made payable to BMO Nesbitt Burns with your SmartFolio account number noted on the cheque.
• Bill Payment from a BMO Bank account (CAD only)
  • 预计转账时间为1-2个工作日
• Bill Payment from a non-BMO Canadian financial institution
  • 预计转账时间为3-5个工作日
• 通过其他投资账户以现金转账

BMO SmartFolio
BMO 利时证券
First Canadian Place
100 King St. W., Floor B1,
Toronto, Ontario M5X 1H3

我们需要确认账户所有者的身份，以为其提供保障。 If you do not have a BMO InvestorLine, BMO Harris Private Banking, Bank of Montreal or BMO Nesbitt Burns relationship we may ask you to visit your local BMO Bank branch to complete a Letter of instruction. This will allow your local BMO Bank of Montreal representative to verify your identity by reviewing valid ID.

A Certified True Copy of a document or form is one that has been reviewed, validated, and stamped by an authorized BMO 价值。

To validate your document(s) or form(s) as a Certified True Copy, visit your local BMO branch and speak with an employee for assistance.

In Person: Present one piece of Canadian government-issued (federal, provincial, or territorial) photo ID at your local BMO branch to be validated as a Certified True Copy. Please note that provincial health cards are not accepted as a valid form of Proof of Identification.

或;

By mail: Provide copies of TWO documents, ONE from Group A and ONE from Group B.

我们将通过一份问卷调查帮助您了解您的风险承受能力，并将您的资金投资于符合您的个人目标且可负担的 ETF 投资组合模型。 之后将由一个专业 BMO 投资组合经理团队积极管理该投资组合模型。

ETF（交易所买卖基金）是一种投资基金，包含一篮子股票、债券或其他投资产品。不同于传统的互惠基金，ETF在证券交易所进行交易，经常追踪市场指数，或可能采取特定的投资策略。ETF为构建良好的多元化投资组合提供了低成本选择，因此是一种富有吸引力的投资方式。

• 流动性 - 通过在证券交易所的交易时段进行买卖。
• 多样化 - 风险可能低于个别证券。
• 投资机会 - 股票或债券投资组合。
• 投资组合透明度 - 建立于日常基础之上。
• 成本效益 - 超低管理费用。
• 节税效益 - 提供潜在的低资本收益分配。

我们使用ETF来构建投资组合的原因在于其能够为您提供卓越的多样化投资，同时减少交易费用。这是因为这些资金通过购买一次ETF（交易所买卖基金）来获得投资于指数中所有股票或债券的机会。我们因此可将节省下来的管理费用让利给包括您在内的客户，并允许我们在您需要取用您的资金时变现您的投资组合。ETF拥有透明度优势，因为EFT必须每天更新持仓，而不是像互惠基金一样每季度更新一次。

我们无法将外部投资转入您的 BMO SmartFolio账户。我们要求所有的投资都以现金形式转账，然后立即将资金按照您的投资组合模型进行投资。 We do not allow for non-model portfolio holdings to be purchased within your BMO SmartFolio account; however BMO has many great offerings which would allow you to transfer your alternative holdings, - should you wish.

The investments within your BMO SmartFolio account are meant to reflect your personal risk tolerance and investment objectives. 随着时间的推移，您的个人风险承受能力和投资目标可能会随着您的生活变迁而改变。如果出现任何可能影响您的个人风险承受能力和投资目标的重大变动，您必须及时告知我们。我们将与您共同审视这些变动，并在必要时进行所需调整。请注意，我们可能要求您向我们发送一份 重大变更表 或在您的投资者简介出现显著变化的情况下接受新的投资政策声明。

Yes, you can easily set up pre-authorized contributions from your BMO Bank account within the BMO SmartFolio platform. Alternatively you can fill out a 预授权供款 表格并设置每周一次、每月两次或每月一次通过任何加拿大金融机构进行供款。

您的资产将由以您的姓名在BMO利时证券开设的经纪账户持有，BMO利时证券是BMO银行金融集团的成员之一。BMO利时证券同时也是加拿大投资业监管机构（IIROC）和加拿大投资者保护基金（CIPF）的成员之一。BMO银行金融集团成立于1817年，为北美洲和全球各地超过1200万个人业务、商务、企业和机构客户提供服务。

Your portfolio is monitored on a daily basis by BMO's expert portfolio managers , to ensure that it is still within its target allocations. 如果投资组合模型的投资产品低于或高于所示中值权重百分比（“范围”）的10%，该投资组合模型的头寸和您的智能投资组合账户将会重组至范围以内的百分比。

作为BMO智能投资组合客户，您将拥有一个安全的用户ID，供您用于登录您的账户并查看您的投资业绩。您将能够跟踪每个账户的业绩，业绩的显示方式包括金额价值增长、投资金额百分比，以及通过图表显示投资组合随时间推移的增长状况。您还会收到网上对账单，供您查看您的每月账户余额以及在此期间发生的任何交易。

Your assets will be held in an account in your own name with BMO Nesbitt Burns. They will also not be used as collateral for loans. In addition, you will also benefit from the Canada Investor Protection Fund (CIPF) which will insure clients up to $1 Million CAD in the event that BMO Nesbitt Burns becomes insolvent.

Investment dealer insolvency doesn’t happen very often, but if it does, the Canadian Investor Protection Fund (CIPF) is here to ensure your cash and securities are returned to you. Your account with us is covered under the (CIPF) and is insured for up to $1 million in securities for each account type you hold with BMO SmartFolio.

• 如果您已注册或选择在线接收税务文件，您可以在“电子文档”部分找到这些文件。 Login to your BMO SmartFolio account to access.
• If you’re having trouble locating the “eDocuments” within your account, click here for a detailed step-by-step guide on how to access.

如果您选择了“仅限电子版”作为税务文件的接收方式，所有税务相关文件将仅在“电子文档”部分以电子版形式提供。

如果您选择了“电子版和纸质版​​​​​​​”选项，税务文件将邮寄到您档案中记录的地址，并且也会以电子版形式提供。

税务文件的提供时间将根据您选择的账户类型和接收方式有所不同。 点击此处查看按税单类型的详细发布时间表。

You may receive numerous different tax slips from BMO SmartFolio. The slips you will receive will depend on the type of account you have, the income you’ve earned, contributions you’ve made, etc. For more information on the tax documents you may receive, their purpose, and expected availability please 点击此处。

您将收到的是当前纳税年度的文件。 If you require access to documents from prior tax years, please navigate to the "eDocuments" section and select the required year from the drop down. You will only be able to see documents for the years which your account was open with BMO SmartFolio.

To change your delivery preferences, 请联系我们

Your tax slip will be available in your “eDocuments” by the end of the week for which it is scheduled to be released. 点击此处 for a detailed release schedule by tax slip type.

Note: you will not receive a notification that the applicable document is available. Please check back regularly to confirm availability.

If your document is not available by the end of the week, 请联系我们 to review.

Deadline to contribute to your RRSP – March 3rd, 2025

免罚款提交2024年个人报税表的截止日期 - 2025年4月30日

免罚款提交2024年个人报税表（自雇人士）的截止日期 - 2025年6月15日

点击此处 for additional dates for the 2024 tax year.

注意：请务必确保在准备报税表之前已收到所有所需的税单，从而避免提交T1调整表以修改您的报税表。

If you would like to view your documents electronically and are having trouble locating the “eDocuments” portion of the SmartFolio website, click here for a detailed step-by-step guide on how to access. If you need further assistance, 请联系我们。

To help simplify your tax preparation efforts, we have developed an overview of the various tax slips and documents you may receive from BMO SmartFolio. 点击此处 to review the tax slips and documents you may receive from BMO SmartFolio. Tax slips received depend on the type of account and product you hold.

注意：如需具体的税务建议和对各类文件的详细解读，请咨询专业税务顾问。

To help simplify your tax preparation efforts, we have developed a brief overview of the various tax slips and documents you may receive from BMO SmartFolio. These are based upon the type of account and product you hold, please click here to view.

注意：如需具体的税务建议和对各类文件的详细解读，请咨询专业税务顾问。

Please confirm the recipient type is set to “joint account” (e.g., Box 23 is 2 on the T5 slip).

If you find an error or issue on your tax slip, please contact us to review the issue and discuss further.

The maximum contribution for a TFSA in 2025 is $7,000 CAD. For more information on TFSA contributions please visit the Canada Revenue Agency. Your unused contribution room accumulates each year as long as you have a Social Insurance Number (SIN) (even if you do not file an income tax and benefit return or open a TFSA).

• Note: If you were 18 or older in 2009, your TFSA contribution room grows each year. If you turned 18 after 2009, your TFSA contribution room starts to grow in the year you turned 18 and accumulates every year after that year.

请参阅下文，了解在您于2009年已年满18岁且至今未做出任何供款的情况下可累积的供款额度。

If you have closed an account with BMO SmartFolio at any point in the tax year, any applicable tax documents will be mailed to the last address on file associated with your account. Tax documents will not be distributed electronically even if you have opted-in to receive your documents electronically. If you are expecting a document and haven't received one it yet, please 点击此处 for a detailed release schedule. If you need further assistance or if you haven't received your documents, 请联系我们 to review.

A T3 or T5 slip is only issued for income and gains within non-registered accounts 点击此处 to review the tax slips and documents you may receive from BMO SmartFolio. Tax slips received depend on the type of account and product you hold.

If you find an error or believe there is an issue with your tax slip, please contact us to review the issue and discuss further.

BMO SmartFolio将每季度收取一次顾问费用。平均年度费率将随着账户资产的增长而下调。以欠款账单的方式收费，基于当季三个月末余额的平均值进行计算。

例如：

您的季度顾问费包括所有交易和管理费用，但不含ETF经理向ETF收取的管理费和杂费。

您可以将您的账户与您家中的直系家庭成员关联。（例如：您的配偶、生活伴侣、受抚养子女/父母等。但是，您的姑妈将不符合资格，因为她不与您同住）。

某些例外情况适用于非个人账户，如企业账户，其业务地址与您的家庭地址不同。请致电我们了解详情。

作为您的投资者简介引介问卷的一部分，我们将要求您披露该账户将代表您的可投资资产的哪一部分。这将被用于确定您的投资组合模型，以及您的风险承受能力和投资目标。

如果您希望从您的账户中提取资金，请联系BMO智能投资组合分部。出售并结算所请求的金额需要3-5个工作日。一旦完成所需金额的出售，您可以通过电子资金转账（EFT）、电汇、转账请求或在某些情况下通过接收支票提取资金。实际收到出售收益的时间因方式而异。

已关闭的账户将按比例收取任何未付咨询费，该费用按当季平均资产级别计算。请注意，当您的账户转出BMO银行金融集团时可能会收取转账费用。

是的，您将会收到邮寄给您的有关本年度实现的收入和资本收益的税务文件。

很遗憾，不可以，目前您不能开设一个以上的同类型账户。

您将需要填写 转账授权表格。请填妥、签名后发送给我们。

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请注意：我们不支持Blackberry、Windows手机或Chrome for iOS

Absolutely. You can review the historical performance of our model portfolios on the ETF Portfolios page.

如果客户去世，而其指定在法院受到质疑，我们希望完全确保客户的指定获得尊重。我们了解邮寄纸质副本相对不便，但我们旨在保障您的利益！

如果您不发送纸质表格，而您的受益人指定仍然通过eSignature进行采集，那么当法院不尊重您的电子指示时，无人可以获得新的墨水签名来取代该指示。

否，我们目前暂不提供该服务，但正在考虑添加该服务。