连续储蓄计划（CSP）
(CSP) is a pre-authorized plan that withdraws funds from an account you select, and deposits them into a Savings or Investment account on a regular schedule. 设置是免费的，您每月只需花费$50即可开始。
充分利用复合储蓄增长- 选择您想供款的方式
- 设定目标并轻松坚持
为何开始CSP？
复合增长
尽早并经常进行投资，即使是少量投资，也可以帮助您的储蓄通过复合增长而实现增长。
灵活供款
定期供款与每年一次性供款相比，长期而言会有很大差异。
目标设定
Contributing regularly through a CSP can help keep you focused on your long-term goals, and reduce the temptation to use your money for impulse purchases.
您可以储蓄多少？
Try our simple Savings Calculator to find out how much you could save with a CSP (Continuous Savings Plan)
CSP by the numbers
$0:
开设Continuous Savings Plan的成本。
$50:
每月最低供款（或每半个月$25）。
$424,125:
30年后的总投资组合规模，假设每两周支付$200且年利率为6%。
CSP如何运作
只需确定供款金额、时间安排（至少为每月$50或每半月$25）、要提取的账户以及您想供款的储蓄或投资方案。
How to set up your CSP account
- A BMO investment professional can set it up for you.
- 如果您是 BMO customer, you can set it up yourself through Online Banking.
- If you’re an online investing customer, you can set up a CSP through your InvestorLine or SmartFolio account.
Once it’s set up, your CSP will then make debits and deposits according to your schedule, automatically. 开设账户或登录网上银行服务即可开始。
How to make the most of your CSP
Here are a few ways to make sure you’re taking advantage of what a CSP has to offer.
选择您的产品
确保您做出的投资符合您的风险承受能力和投资期限。为退休而储蓄？股票， ETF（交易所买卖基金）s and mutual funds are great choices. 进行短期储蓄？GICs and bonds are great. 了解更多
尽量多供款
While $50 a month is the minimum contribution you can make, your CSP will go much further if you contribute as much as possible, up to your account's annual maximums. 在工作中获得了晋升？ Make sure to increase your CSP contributions to take advantage of long-term savings.
增加供款频次
增加供款频次也会大有帮助。例如，与在年底一次性投资相同金额相比，在一年当中坚持供款可以更好地利用复利。
Learn more about investing with BMO
为什么复利投资是理财的关键 未来
详细了解复利的神奇之处，以及它对您投资可能产生的惊人影响。
黄金法则 投资
我们有7项规则用于帮助您的投资不断增长并获得更大回报。
5个投资技巧 新手
利用这些建议开始进行正确投资。
CSP FAQs
一般问题
A Continuous Savings Plan (CSP), also known as a pre-authorized contribution or deposit, does your saving for you automatically, so you don't have to think about it.它从您选择的账户中提取资金，并定期将其存入您的储蓄或投资账户。
Setting up a CSP is easy! If you’re already a BMO customer, you can do it yourself through Online Banking. 您可以在“我的账户”选项卡下找到它。或者如果您愿意，我们的投资专家将很乐意为您设置。 You can ask at your local branch, or call the BMO Investment Centre at 1-800-665-7700. 您也可以填写我们的网上表格，相关人员会与您联系。
如果您已经是SmartFolio的InvestorLine客户，则可通过账户中的“转账”选项卡进行设置。
Nothing! There’s no fee to set up a CSP.
Contributing to your CSP 常见问答
您可选择几乎任何时间安排：每周、每两周、每半月、每月或每季度。
The minimum contribution amount for a CSP is $50 a month.如果您选择每半月供款一次，则每次仅需支付$25。
Sure! You can change the amount of your CSP four (4) business days before the next scheduled purchase date.您可以自己操作，或者如果您愿意，我们的专业投资人员可以在您的当地分行或通过电话提供帮助。
Good question. Dollar cost averaging is what happens when you use a CSP to buy an investment product (like Mutual Funds) whose values change over time.您的供款金额始终相同，因此，如果基金单位的成本下降，则您最终会购买更多单位。随着时间的推移，它可以降低您购买单位的平均成本，从而在动荡的市场中发挥优势。
CSP accounts
Your CSP can contribute to just about any type of account, including RRSPs, 注册教育储蓄计划（RESP）s, TFSAs, or Mutual Fund accounts. 您可以设置为每两周、每半月、每月、每季度或每年供款一次。
It sure can. A CSP can debit from any account at any Canadian bank. The only exception is if you want to make 美国 dollar contributions to a 美国 dollar mutual fund — those have to come from a BMO 美国 dollar account.
Absolutely. You can both contribute to any non-registered plan or an RESP.
注册基金（例如 RRSPs, TFSAs and 注册教育储蓄计划（RESP）s) are registered with the government and shelter your investments earnings from tax. 相比之下，非注册账户中的投资收益需缴纳所得税。 You can use a CSP to contribute to both registered and non-registered funds.
Important notice about our relationship with you: The new Our Relationship brochure has key information you should know when investing with us. 进一步深入了解 BMOII’s relationship with you, the products and services we offer, how we get paid, and how we always put your interests first. 了解更多
- 脚注 剑号 详情适用条款及条件
- 星号脚注详情本计算器仅用于说明目的，不构成投资建议或对未来业绩的承诺。本计算器不是也不应构成对任何一方的投资或法律建议。本计算器未考虑任何费用的扣除，也未考虑任何税收。不保证实际能达到所选的回报率。具有较高回报率潜力的投资也包含较高的风险。
- BMO Global Asset Management is a brand name that comprises BMO Asset Management Inc., BMO Investments Inc., BMO Asset Management Corp., BMO Asset Management Limited and BMO’s specialized investment management firms.
- BMO Mutual Funds are managed by BMO Investments Inc., which is an investment fund manager and a separate legal entity from Bank of Montreal.
- 佣金、尾随佣金（如适用）、管理费用和支出都可能与互惠基金投资有关。请参阅 ETF（交易所买卖基金） facts, fund facts or prospectus of the relevant mutual fund before investing. 互惠基金的收益没有保证，其价值变更频繁，历史业绩可能不会再重现。
- For a summary of the risks of an investment in the BMO Mutual Funds, please see the specific risks set out in the prospectus. ETF（交易所买卖基金） Series of the BMO Mutual Funds trade like stocks, fluctuate in market value and may trade at a discount to their net asset value, which may increase the risk of loss. 不保证分配，并可能更改/或取消分配。
- ®/™ 满地可银行的注册商标/商标，经许可使用。
