投资产品
BMO has investment products and choices to help every investor make real financial progress. Whether you're investing for long-term growth or for your life today, we have diversified options to suit your needs and risk appetite.
适合每一位投资者的投资产品
选择投资产品时的首要考虑事项之一是确定您的目标及其达成时间，这将有助于确定您的投资回报期。您是否在为未来几个月内进行大额消费而储蓄？准备在未来几年内购买住宅？打算在几十年后退休？之后您就能确定您的 。
投资类型
Guaranteed investment certificates are low risk and provide a steady rate of return, GICs are a basic investment type in a diversified portfolio that typically offer fixed terms and fixed, guaranteed returns.
Great for: Investors who want to protect their principal while earning interest.- Typical risk level: Low
- Typical investing horizon: Short- to long-term
债券是一种固定收益投资，通常由政府或企业发行。您的投资如同一笔贷款，之后将在您的投资期限内连本带息定期偿还。
- Great for: Investors who want regular payments and principal protection.
- Typical risk level: Low to Medium
- Typical investing horizon: Medium- to long-term
互惠基金是一种用您的资金与其他投资者的资金购买由专业投资组合经理所监管投资组合的投资产品。
- Great for: Investors who want diversification and assets managed by professionals.
- Typical risk level: Low to High
- Typical investing horizon: Medium- to long-term
交易所买卖基金为低成本的混合投资产品，集合了传统股票与互惠基金的优点。 Think of ETF（交易所买卖基金）s as baskets of securities made up of equities, fixed income and other assets.
- Great for: Investors who want diversified, low-fee investments.
- Typical risk level: Low to High
- Typical investing horizon: Medium- to long-term
说起网上交易，人们会想到买卖股票（也称作股权），这是上市公司的所有权单位。您拥有某家公司的股票，因此有权获得该公司的资产和未来收益。
- Great for: Investors who want to own shares in particular companies.
- Typical risk level: Medium to High
- Typical investing horizon: Medium- to long-term
Options are financial instruments that give the buyer the right, but not the obligation, to buy and sell an asset, usually a stock or ETF（交易所买卖基金）, at a predetermined price within a specific timeframe. They allow you to hedge, speculate, or generate potential income based on market movements.
- Great for: Investors seeking strategic flexibility and opportunities in market volatility.
- Typical risk level: Medium to High
- Typical investing horizon: Short to medium-term
自动储蓄使您的投资更容易，并帮助您更快实现您的目标。详细了解我们的 连续储蓄计划。
适合每个目标的产品
不确定哪些投资产品适合您？从设立您的投资目标开始，逐步探索适合您的选项。
我希望： | 推荐投资产品： |
|---|---|
Mutual funds | Stocks | ETF（交易所买卖基金）s | GICs | |
GICs | ETF（交易所买卖基金）s | Mutual funds | |
ETF（交易所买卖基金）s | Mutual funds | Stocks | |
GICs | ETF（交易所买卖基金）s | Mutual funds | Bonds | |
GICs | Bonds |
Investing products FAQs
用于决定正确投资产品的两项最重要的因素是您的风险承受能力和投资回报期。一般来说，您进行投资的时间越长，风险承受能力就越高，因为您的投资组合能够经受住市场的波动，并从上涨中获利。例如：假若您有30年的时间进行退休储蓄，您可能希望构建一个由股票和互惠基金组成的投资组合。 As you approach your retirement goal, you may want to switch investments to alternatives that are lower-risk and can provide better capital preservation, such as bonds and GICs.
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.
这取决于您的投资回报期和风险承受能力。 If you have more than 5 years to invest, or are comfortable with some risk, stocks, ETF（交易所买卖基金）s and Mutual Funds are great investment types. If you're approaching retirement, GICs, bonds and some low-risk ETF（交易所买卖基金）s and Mutual Funds are great options. 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：
