为大额消费储蓄
正在为婚礼存款？或是为新车、游船或其他大额消费存款？不论您的储蓄目标是什么，您在这里都能找到合适的账户及各种投资类型。让我们制定计划以实现您的目标。
推荐投资选择
当您为大额消费存钱时，在最合适的账户中进行正确投资很重要。
投资账户
为了确保您保持正轨，请选择一个适合的账户以帮助您实现储蓄目标。 Below are some great options for saving for a large purchase.
免税储蓄账户 (TFSAs)
您的资金在免税情况下增值，且可以随时提取，而没有任何后果，比如当您需要钱进行大额消费时。
Great for: Anyone looking for a flexible way to save while also enjoying tax benefits.非常适合所有类型的短期和长期储蓄。
Cash Account（现金账户）
通过此非注册账户储蓄没有存款限制，且可以随时轻松取钱来购买您的大宗商品。
Great for: Anyone who maxes out their TFSA and would like to have a liquid account.
First Home Savings Account (FHSA)
Your money can grow tax-free in FHSA towards the purchase of your first home. Plus, you get new contribution room each year, and your contributions are tax-deductible, making it the ideal way to save.
Great for: First-time home buyers looking for a tax-free savings account that can hold various investment types.
投资类型
无需感到不知所措。以下是两个绝佳投资选择，可帮助您为大笔消费存款。
定期存款 (GIC)
您可以选择把钱存多久，从几个月到几年不等。GICs are safe and secure – your principal is protected, and depending on the product you choose, you can earn interest during or at the end of your term.
Typical investing horizon: Short- to medium-term
Great for: Anyone who wants to save for a specific amount of time.
交易所买卖基金 (ETF（交易所买卖基金）s)
ETF（交易所买卖基金）s are a bucket of securities made up of equities, fixed income and other assets – great for a diversified portfolio.
Typical investing horizon: Medium- to long-term
Great for: Anyone who wants a low-fee investing option.
您知道吗？
无论您选择哪个账户为首付存钱，都可以随时在线或通过BMO手机银行应用程序访问。
建议和提示
指导您为购买大宗商品而储蓄。
- 从您的现有支票或储蓄账户中开设一个单独账户，用于每次大宗商品购买。
- 制定或重新审视预算，并纳入定期储蓄额度用于您的大宗商品购买。
- Take advantage of a Continuous Savings Plan to help you reach your goal faster.
- 在存钱的同时，研究您打算购买的大宗商品，以找到最划算的交易。
- 不要忘记您的目标：从小钱开始，并见证您的储蓄随着时间的推移而增加。
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。
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利用这些建议开始进行正确投资。
开始操作 ETF（交易所买卖基金）
DIY investing has never been easier or more flexible – learn how ETF（交易所买卖基金）s can work for you.
