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1 First Canadian Place
39th Floor, P.O. Box 150
Individual Pension Plans (IPPs) have become an increasingly popular retirement savings tool for business owners and professionals. IPPs are in demand as they offer a number of key advantages compared with Registered Retirement Savings Plans (RRSPs) for individuals between the ages of 38 to 71 who have income greater than $100,000, including: higher contribution amounts, full creditor protection of assets, the opportunity to make additional tax deductible contributions when investment performance is insufficient; and the ability to accumulate a much greater pool of capital for retirement.
BMO Nesbitt Burns Architect Program
The industry-leading BMO Nesbitt Burns Architect Program is Canada’s first full featured unified managed account that brings together the best of separately managed accounts with the best of mutual fund investing. It is the most sophisticated managed investment program available in Canada. The Architect Program allows you to experience the freedom from the responsibility of making your own day-to-day investment decisions and provides you with a peace of mind that your investments are being professionally managed in your best interests.
Architect offers the following model portfolios designed by BMO Nesbitt Burns Portfolio Management Advisory Group that are suitable for Individual Pension Plans:
Balanced 50/50 Models & Balanced 65/35 Models
As a balanced investor, you seek a combination of income-producing assets and investments with capital appreciation potential, so as to generate sufficient growth of capital. You want to preserve the purchasing power of your assets. To attain this goal, you are willing to accept more variable returns in the short run in order to achieve better potential returns in the long term. You have a moderate tolerance for risk and can tolerate losses through difficult phases in a market cycle.
Your objective is to preserve the purchasing power of your assets and generate some income. As such, you seek a combination of income – producing assets and investments with capital appreciation potential. Your investment horizon is reasonably long. You are willing to make investments characterized by greater than average risks and can tolerate periods of negative total return in difficult phases of a market cycle. If appropriate, you are willing to include fixed income investments in your portfolio.