投资账户
BMO has investment accounts for every investor, for every financial plan. Explore our registered, non-registered, locked-in and corporate investment accounts and discover the best ones to help you make progress toward your investment goals.
为每位投资者提供账户
每种账户都有自己的优势。利用注册账户的减税和激励措施优化您的税务情况，或通过快捷方便的现金账户节省费用。在下方了解我们的账户。
注册账户
注册账户已在联邦政府注册，可为您提供一些税收优惠。这些账户有供款限额和独特规则。继续阅读，了解更多信息。
免税储蓄账户可以让您享受免税的财务增长。这意味着您无需为您账户内任意通过增长赚取的收益缴税，包括利息、股息和资本收益。
Great for: Investors who want a flexible way to save for the future.- Typical Investing horizon: Short-to long-term.
- Boost your TFSA: BMO offers great rates to help you get more from your savings.
注册退休储蓄计划降低您每笔存款的应税所得。为退休进行储蓄的同时也可以选择为购房或教育提前取款。
- Great for: Receiving tax breaks on money you save for retirement.
- Typical Investing horizon: Long-term
- Boost your RRSP: BMO offers great rates to help you get more from your savings.
注册教育储蓄计划是为孩子的教育存钱的最佳方法之一。政府每年可最多累加$500 ，终身最多为$7,200。
- Great for: Parents who want to save for their children’s education.
- Typical Investing horizon: Medium- to long-term
- Boost your 注册教育储蓄计划（RESP）: BMO offers great rates to help you get more from your savings.
First Home Savings Accounts provide a new opportunity to grow your money tax-free and save for a down payment. Like a TFSA, you can fill your FHSA with various investments. However, your FHSA contributions are tax-deductible, helping you decrease your income for the tax year and receive a tax refund.
- Great for: New and experienced investors interested in a tax-free investment account for purchasing a first home.
- Typical investing horizon: Short-term to long-term. 15-year maximum.
- Boost your FHSA: BMO offers great rates to help you get more from your savings.
注册退休收入基金是您退休后管理退休储蓄的最佳选择。 It's like an RRSP in reverse – but instead of making contributions, you’re making withdrawals.
- Great for: Anyone with an RRSP approaching retirement.
- Typical investing horizon: Long-term
- Boost your RRIF: BMO offers great rates to help you get more from your savings.
注册残障储蓄计划为残障人士提供免税收益。收益在提款之前可免税增长，这样您可以储蓄更多。
- Great for: Canadians with disabilities and their families.
- Typical Investing horizon: Medium- to long-term
- Boost your RDSP: BMO offers great rates to help you get more from your savings.
一切准备就绪？
自动储蓄使您的投资更容易，并帮助您更快实现您的目标。 Learn more about our Continuous Savings Plans.
还在考虑您的长期计划？ No problem – grow your registered savings today with a special rate while you decide.
非注册账户
非注册账户是没有在加拿大政府注册的账户，无法享受税收优惠，但您可以按需求进行没有数量和次数限制的供款和提款。BMO为非注册账户提供个人和联名账户选项。
现金
现金账户可以持有投资产品。每年的资本收益、股息和利息收入需要缴税。
- Great for: Canadians who have maxed out their registered account contribution limits.
- Typical investing horizon: Short-to long-term.
- Available with: In-person investment professionals, Self-Directed and adviceDirect.
保证金账户是一种允许投资者出于购买证券的目的借款的现金账户。
- Great for: Experienced investors who don’t mind taking risks for the potential of high rewards.
- Typical investing horizon: Short-term.
- Available with: Self-Directed and adviceDirect
一切准备就绪？
锁定账户
锁定注册账户允许有养老金并已从公司离开的投资者在退休前持有资金，让他们在退休前也可以轻松获取资金。
LIRA
锁定退休账户允许您继续从您的前雇主为您提供的养老金中赚取利息。
LRIF
锁定退休收入基金允许您退休后获取养老金，提款有最低和最高限额。
- Great for: Investors with a pension
- Typical investing horizon: Short- to long-term
- Available with: In-person investment professionals, Self-Directed and adviceDirect
- Other account types: LRSP, RLSP, RLIF and PRIF
企业和非个人账户
非个人账户为非注册账户。其以企业或其他实体的名义设立。
企业和非个人账户适用于：
- 协会
- 公司
- 房地产账户
- 信托账户
- 投资俱乐部/合伙企业
- 个人控股公司
- Great for: Anyone investing on behalf of another individual, a business or an association
- Typical investing horizon: Short- to long-term
- Available with: In-person investment professionals, Self-Directed and adviceDirect
Investing accounts FAQs
您对账户的选择应取决于您的投资目标。 If you’re saving for retirement, RRSPs and TFSAs are great options. If you're saving for a large purchase or a wedding, cash accounts might be a good option. If you're in retirement, you may want a RRIF; if you’re saving for a child’s education, an 注册教育储蓄计划（RESP） is a great choice.
投资回报期取决于您的年纪和您的投资目标。如果您现在年龄为20多，而您是为退休而投资，您的投资回报期则属于长期。如果您计划在接下来的五年内买房，您的投资回报期就更倾向于短期。 Contact a BMO investment professional to discuss your options or learn more about our online investing platforms to see which would be best suited for your investing goals.
一位 RRSP is an account specifically designed for retirement. 该账户让您在长期储蓄的同时还可以在每年为您提供税收减免。TFSAs, meanwhile, offer flexibility while saving for retirement. Contact a BMO investment professional to discuss your options or learn more about our online investing platforms to see which would be best suited for your investing goals.
首先，选择最适合您的投资方法。然后，对您的投资回报期和风险承受能力进行评估。一旦明确了这些状况，您就可以根据实际情况开设您的账户了。
您可以通过多种方式联系我们，就您的选择和开设账户等问题与我们进行讨论：
我们有多种账户可以为您提供有利税率。 一位 RRSP gives you tax breaks each year - by funding your account, you lower your taxable income and may receive an income tax return. TFSAs, 注册教育储蓄计划（RESP）s and RDSPs allow your savings to grow tax-free.
