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互惠基金
- 多样化、具有成本效益并由专业人士管理
- 适合各种账户类型,包括RRSP、RESP、RRIF、TFSA等
- 起投金额仅为$500,或每月只需投资$50,投资者可轻松负担
Personalized advice. Real financial progress.
预约我们将帮助您规划道路,取得真正的财务进展。首先可享受下列优惠:
BMO互惠基金B M O互惠基金
- 开始投资即可获得$75奖励* 每月最低只需投资$300。开始投资即可获得$75奖励*,每月只需投资$300。
- 此外, 如果另外进行一次性投资, 额外还可获得高达$2,425*奖励。投资$25,000可获得$100奖励*。此外,如果另外进行一次性投资,额外还可获得高达$2,425奖励脚注*。投资$25,000可获得$100奖励脚注*。
BMO加拿大市场GIC‡B M O加拿大市场G I C脚注 ‡
- 通过一次投资 获得可持续且安全的增长潜力。
- 100%本金保护 并且6年后有望高达30%(具体取决于市场表现)
Get up to $6,000*,§footnote *,§ when you invest this RRSP season.
Beat the March 1 RRSP deadline with these amazing stackable offers from BMO Mutual Funds.
我们将帮助您规划道路,取得真正的财务进展。首先可享受下列优惠:
BMO互惠基金B M O互惠基金
- 开始投资即可获得$75奖励* 每月最低只需投资$300。开始投资即可获得$75奖励*,每月只需投资$300。
- 此外, 如果另外进行一次性投资, 额外还可获得高达$2,425*奖励。投资$25,000可获得$100奖励*。此外,如果另外进行一次性投资,额外还可获得高达$2,425奖励脚注*。投资$25,000可获得$100奖励脚注*。
BMO加拿大市场GIC‡B M O加拿大市场G I C脚注 ‡
- 通过一次投资 获得可持续且安全的增长潜力。
- 100%本金保护 并且6年后有望高达30%(具体取决于市场表现)
Award-winning banking advice†.footnote † Great RRSP offers. Real financial progress.
Invest in your financial future with the confidence that comes from expert advice plus these great offers:
投资 | First time BMO Mutual Funds customers and select existing customers*footnote * | Get even more when you transfer your registered investments to BMO§footnote § |
---|---|---|
$25,000 - $49,999 | $100 | $150 |
$50,000 - $99,999 | $150 | $300 |
$100,000 - $249,999 | $250 | $500 |
$250,000 - $499,999 | $500 | $1,000 |
$500,000 - $999,999 | $1,200 | $2,000 |
$1,000,000+ | $2,500 | $3,500 |
Experience the difference that award-winning advice can make in your financial future. Talk to a BMO investment professional by March 1, 2023 and ask to opt into these offers to claim your bonus.
BMO Managed 投资组合
$500起投。
A great choice if you want a more global focus with greater emphasis on alternative investments.
适合各种账户。
借助连续储蓄计划(CSP),更快实现您的目标
了解CSP如何通过自动使用您储蓄账户中的资金购买互惠基金,使您的小额定期供款逐步增长。
互惠基金常见问答
一般问题
- 问得好!互惠基金是由专业人士管理的投资池。按人员的目标是否相同将您的资金进行划分,可投资于股票、ETF(交易所买卖基金)、债券、现金或其他互惠基金。互惠基金让您能够轻松投资起投金额较低的、由专业人士管理的多样化投资组合。查看我们的互惠基金基础知识文章或者联系BMO投资专业人士,了解有关互惠基金的更多信息。
- 您不需要很多钱就能投资互惠基金。例如,只需$500即可投资BMO SelectTrust®投资组合,而每月只需投资$50即可开通连续储蓄计划
如需查看各种互惠基金的明细信息,请访问我们的互惠基金列表或互惠基金“基金资料”文档。
- To invest in mutual funds, just book an appointment online Open a new tab to book an appointment. to meet with a BMO investment professional at your local branch.如果您愿意的话,也可以致电1-800-665-7700,通过电话咨询投资事宜。 If you’re already a BMO customer, you can log into Online Banking and open an investment account or purchase mutual funds for an existing investment account.如果您已在我们这里拥有投资账户,您只需登录即可购买互惠基金。如果您在我们这里还没有账户,请在网上预约或致电1-800-665-7700。
指数基金旨在通过持有代表着某股市指数(例如标准普尔/多伦多证券交易所综合指数)所追踪的股票的投资组合,实现紧贴此指数表现的目标。这种基金有时被称为“被动型投资”,因为此基金的投资并不会受到主动管理以影响其业绩, 而只会根据特定指数所基于的股票来进行选择。
- 简而言之,股票是一家公司所有权的一部分,而互惠基金则包含多种不同的股票、债券、现金,乃至其他基金。当您购买某公司的股份(股票)时,您购买的是该公司的一部分所有权。当您购买互惠基金时,您投资的是基金中所有投资项的一小部分。
- 任何投资都存在一定的风险。在您购买某只互惠基金(或互惠基金投资组合)前,您应确保其与您的目标和风险承受能力相符。既有试图将风险降至最低的较为保守的互惠基金,也有试图最大程度地提高回报的注重增长的互惠基金,以及介于二者之间的众多选择。互惠基金往往被认为比其他投资更加安全,因为其并非与某一项资产绑定在一起(例如特定股票),而是包含多种多样不同的投资。
- 互惠基金的种类繁多,每一种都是为了满足特定类型投资者的目标而创建的。BMO互惠基金选项包括保障基金、股票成长型基金、收益型基金、美元基金、成长型基金和托管计划。您可以点击此处查看完整的互惠基金列表,或者通过预约或致电我们联系BMO投资专业人士以了解更多信息。
- 互惠基金有一些相关的费用——管理费、服务费、税费和其他运营费用。这些费用会在计算您的回报之前扣除,因此不会单独收费。加拿大互惠基金的管理费率(MER)一般都低于3%。您可以在任何BMO互惠基金的基金资料文档中查看与其相关的所有费用。
- Learn more about BMO Investments Inc.’s processes for unclaimed property.
Mutual Fund Distributions
- A mutual fund distribution generally represents the amount of income earned on a fund’s portfolio investments (income earned), as well as net capital gains from the sale of those portfolio investments, passed on to the fund’s investors (or unitholders). The fund’s income earned and net capital gains for a calendar year may be passed on to the fund’s unitholders on a monthly, quarterly, or annual basis. Certain distributions may also represent a return of capital (ROC).In addition to providing income to unitholders, distributions also reduce the tax liability for BMO mutual funds, as they’re subject to tax at the highest personal income tax rate on income earned and net capital gains retained in the fund (undistributed income). This rate is often higher than the rate of tax paid by individual unitholders, who are generally taxed based on marginal personal income tax rates. It is therefore generally more tax efficient for a mutual fund’s income earned and net capital gains to be distributed to unitholders.
- The distributions most commonly paid by mutual funds are capital gains, interest income, Canadian dividend income, foreign income, and return of capital (ROC).
- Capital gains distribution is made from the profits (i.e., net capital gains) realized by the mutual fund on the sale of the fund’s assets (investments).
- Interest income distribution occurs when a mutual fund receives interest on its investments in debt securities, such as bonds.
- Canadian dividend income distribution represents dividends received by the mutual fund from its investments in shares of Canadian corporations.
- Foreign income distribution generally occurs when the mutual fund receives investment income (such as interest and dividends) from its non-Canadian investments.
- Return of capital (ROC) occurs when a portion of the original investment amount (capital) is returned to investors by the mutual fund (see the section How do ROC distributions differ from other distributions?). ROC can be distributed for one of two reasons:
- To pay a fund’s fixed distribution rate (i.e., under a monthly income fund, Series T, etc.). ROC may be used, in these circumstances, as part of the distribution if the fund is not generating enough income to support the target payout.
- To adjust the income distribution when the distribution estimate is higher than the actual amount of income generated in the fund. As explained further in the When and how does BMO report distributions? section below, a mutual fund typically finalizes its distribution after year end (i.e., after amounts are distributed for the year). This may result in excess distributions paid throughout the year. The amount of any excess distributions would be reclassified as ROC in February.
- When a mutual fund pays out a distribution on units held in a non-registered account, investors can either receive it in cash or have it reinvested in the form of additional units.
- Reinvested distributions are treated as new purchases and, therefore, impact the book value of an investment.
- Cash distributions do not affect the book value of an investment, unless the distribution is ROC (see the section on How do ROC distributions differ from other distributions?).
Distributions on units held in a registered account, such as a Registered Retirement Savings Account (RRSP), Tax-Free Savings Account (TFSA) or a First Home Savings Account (FHSA), must be reinvested in additional units. The reinvested distributions do not count as contributions to the plan (so there is no impact on an investor’s contribution room). The distributions representing income earned or net capital gains are not taxable to the investor while held within the registered plan.Given the non-impact to investors of distributions on mutual fund investments held in registered accounts, the remainder of this FAQ focuses on the distribution impacts for mutual fund investments held in non-registered accounts. - BMO mutual funds finalize distributions in January and February of each year when the total income earned in a fund and the types of income are determined and reported to investors.The income distributed throughout the year must be reclassified to match the actual amount and types of income earned. As noted in the ROC description above (under What are the different types of distributions? section), if the income distributed is more than the income earned in the fund, the amount is reclassified as ROC which has an impact on the BV of an investor’s units (as described under the How do ROC distributions differ from other distributions? section).Distributions on units held in non-registered accounts are reported to Canadian resident unitholders on a T3 tax slip, as well as on an RL-16 tax slip for Quebec unitholders. In the case of a non-resident unitholder, the distributions are reported on an NR4 tax slip.
- When a mutual fund pays a distribution, it can impact both the 资产净值 和 Book Value(账面价值) of holdings in the following ways:
- Net Asset Value (NAV) is the price of a mutual fund’s assets, less its liabilities, and is used to determine the price per unit of the fund. It is calculated daily using the closing market price of the securities held by the mutual fund to determine the value of the fund’s assets (investments). The NAV will fall when distributions are paid, because the distribution is withdrawn from the fund’s assets. Conversely, the NAV may increase during the year as interest, dividends and net capital gains accumulate in the fund.例如:An investor owns 10 units with a NAV of $11/unit. (Market value = $110)
The fund pays a distribution of $0.50/unit. The NAV decreased to $10.50/unit following the distribution ($11/unit - $0.50/unit = $10.50/unit) and the new market value is $105. (10 units x $10.50/unit = $105). - Book Value (BV) (or cost) is the amount that an investor paid for their investment in a mutual fund. The BV is generally the gross amount paid by the investor to acquire units in the mutual fund, including any transaction charges related to the purchase where applicable, adjusted for reinvested distributions and any ROC. The BV is relevant to determining the adjusted cost base of units for income tax purposes. The adjusted cost base is generally equal to the average price paid on a per-unit basis (after considering certain adjustments for income tax purposes) and is used to calculate any capital gain or loss when an investor sells units in the mutual fund. The BV divided by the number of units owned will generally represent the adjusted cost base per unit. However, it is advisable to consult with a tax advisor to determine if any additional adjustments are required in your specific circumstances.
To calculate the book value of a mutual fund investment prior to the sale of units, refer to the BMO mutual fund client statement or transaction history, along with the annual tax slip(s) (see When and how does BMO report distributions? for more information on the relevant tax slips). When an investor sells units in the mutual fund, the disposition details, including the BV, will be reported on a T5008 tax slip and, for residents of Quebec, on an RL-18 tax slip. - The BV is generally the gross amount paid by the investor to acquire units in the mutual fund, including any transaction charges related to the purchase, adjusted for reinvested distributions and any ROC. If any units have previously been redeemed, the book value will be reduced by the cost of those units. As indicated in the section How do distributions impact your investment? the market value represents the current value of the mutual fund investment, which fluctuates due to changes in the mutual fund's NAV.
- ROC distributions are not part of a fund’s rate of return or yield; rather, they reduce the book value of investments. This may impact the amount of any capital gain or loss investors realize when eventually they sell units. ROC can impact investments in the following ways:
- ROC amount is not taxable as it is a return of an investor’s own invested capital, which has already been subject to taxation.
- ROC distribution lowers the book value of an investor’s holdings and the adjusted cost base per unit for income tax purposes.
- ROC can impact the sustainability of a mutual fund’s distribution rate. It is sustainable when the invested capital is not depleted over time. However, if a fund dips into the invested capital to support the distribution, the practice may leave less investment for future years.
Let’s look at an example of how ROC can impact BV (or cost)Example of BV (without ROC distribution):- $1,000 initial investment, $500 subsequent purchase, and a $75 distribution (of interest and other income).
- Distributions are automatically reinvested in additional units.
- BV (or cost) = Initial investment + subsequent purchases + reinvested distributions.
- $1,000 + $500 + $75 = $1,575 BV (or cost).
Example of BV (with ROC distribution):- $1,000 investment, $500 subsequent purchase, and a $75 distribution (of which $50 is interest and other income and $25 is ROC).
- Distributions are automatically reinvested in additional units.
- The total BV (or cost) will be reduced by the ROC that was received. So, the BV (or cost) in this case will be: $1,000 + $500 + ($75 - $25) = $1,550 BV (or cost).
注: ROC lowers the book value - ROC distributions can reduce the BV of a mutual fund investment to zero. This occurs when the fund has distributed all the money that the investor has invested in a fund as ROC distributions. If the BV of an investment is zero, the ACB of that investment on a per-unit basis will generally also be zero. In these circumstances, ROC distributions may continue to be paid, resulting in a negative BV of the investment and a negative ACB on a per-unit basis. For income tax purposes, a negative ACB is treated as a capital gain for income tax purposes. As an investor, it is therefore important to track the BV and its impact on the per-unit ACB to ensure that any negative ACB is reported by the investor as a capital gain for income tax purposes. The amount of any reported capital gain should be added back to the ACB of the units to avoid double tax when the units are actually sold.It is recommended that investors seek the advice of a tax professional when determining the ACB of their units and the potential requirement to report a negative ACB as a capital gain.
实用工具和资源
- 现金流 计算器
使用现金流计算器计算您需要投入多少资金。
关于我们与您的关系的重要提示: 新的 我们的合作 宣传册中有您在通过我们进行投资时应了解的重要信息。进一步了解BMOII与您的关系、我们提供的产品和服务、如何给我们支付,以及我们如何将您的利益始终放在首位。了解更多
*星号脚注详情适用条款及条件
§footnote § details适用条款及条件
This material is for information purposes. 此处包含的信息不是,也不应解释为对任何一方的投资、税务或法律建议。 Particular investments and/or trading strategies should be evaluated relative to the individual's investment objectives and professional advice should be obtained with respect to any circumstance.
All investments involve risk. The value of a Mutual Fund can go down as well as up and you could lose money. The risk of a Mutual Fund is rated based on the volatility of the Mutual Fund’s returns using the standardized risk classification methodology mandated by the Canadian Securities Administrators. Historical volatility doesn’t tell you how volatile a Mutual Fund will be in the future. A Mutual Fund with a risk rating of “low” can still lose money. For more information about the risk rating and specific risks that can affect a Mutual Fund’s returns, see the BMO Mutual Fund’s simplified prospectus.
BMO Global Asset Management is a brand name under which BMO Asset Management Inc. and BMO Investments Inc. operate. BMO Mutual Funds are not insured by the CDIC.
Commissions, management fees and expenses (if applicable) all may be associated with investments in mutual funds. Trailing commissions may be associated with investments in certain series of securities of mutual funds. Please read the fund facts, ETF 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。不保证分配,并可能更改/或取消分配。
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 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。
BMO Mutual Funds are managed by BMO Investments Inc., which is an investment fund manager and a separate legal entity from Bank of Montreal.
footnote 1 details, BMO GAM, as of February 29, 2024.
footnote 2 details, BMO Investments Inc.
"BMO (M-bar roundel symbol)" is a registered trademark of Bank of Montreal, used under license.
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