Publications

Many Canadians will receive an income tax refund from the Canada Revenue Agency (the “CRA”) or Revenu Québec (“RQ”), for those who also file taxes in Quebec. If you receive a tax refund based on your 2024 income tax return, it may be worthwhile meeting with your BMO Private Wealth professional to discuss how you can maximize using these funds, such as repaying non-deductible debt, or catching up on your Registered Retirement Savings Plan (“RRSP”), Tax-Free Savings Account (“TFSA”), First Home Savings Account (“FHSA”), or Registered Education Savings Plan (“RESP”) contributions.

Towards the end of the year, many investors review their investment portfolios to determine the anticipated tax impact of any capital gains and losses realized during the year. For investors who have realized significant capital gains in their non-registered account(s), this article examines various strategies to help reduce the impact of a potential tax liability of these gains, regardless of whether they were the result of a voluntary or involuntary sale.

Each year, fluctuations in the stock markets leave investors with plenty to think about. Does my portfolio need repositioning? If so, which stocks do I keep and which do I sell? When investments are held in non-registered accounts, these decisions can have immediate tax implications. For example, if you’ve decided to sell a security that has an accrued gain, you’ve increased your taxable income. When you sell a security that has an accrued loss, the capital loss will reduce your capital gains for the particular tax year. And, when losses exceed gains in a given year, there is no further reduction to your current taxable income; however, a net capital loss may be used to reduce your capital gains in other tax years.

Since Canada represents only a small portion of the world’s capitalization, it may make sense to include some foreign investments in your portfolio. However, it is important to understand Canadian and other foreign tax implications of owning investments outside of Canada.

Knowing how tax rules affect your investments is essential to maximizing your after-tax return. In addition, keeping up to date on changes to the tax rules ensures that you take advantage of all the tax savings available to Canadian-resident individuals. This article provides an overview of select strategies to assist you in reducing your tax bill.

Make better investment choices by understanding and reducing bias. BMO Wealth Management provides insights and strategies around wealth planning and financial decisions to better prepare you for a confident financial future.

This is a helpful resource summarizing important tax, retirement and estate planning information.

This is designed to help your family, executor (referred to as a “liquidator” in Quebec), or Power of Attorney for Property (referred to as a “mandatory” in Quebec) locate all of your important documents and other information needed to administer your estate or act as your Power of Attorney for Property

Our goal is to be a leader in investment research, providing investors with insight and actionable money-making investment ideas.

Rates Scenario, covering currencies and markets outside of the U.S. and Canada.

The Global Equity Weekly provides timely analysis of major economic trends, and how they impact stocks and financial markets more broadly. The latest economic data, interest rate moves and earnings trends all drive the performance of your portfolio. In addition to analysis from the Economics team, this report offers a set of charts and tables to track market performance.

The Goods, BMO's monthly commodity price publication.

Strategic commentary and an overview of financial markets.

This examines the detrimental effects of negative returns at the beginning of retirement, as retirees withdraw from their capital; in turn, causing erosion of retirement savings.

Words from rock icon, and ‘baby boomer,’ David Bowie, heed an important reminder to those contemplating the later stages of life – “As you get older, the questions come down to about two or three. How long? And what do I do with the time I’ve got left?” The relevance of this wisdom can’t be overemphasized as baby boomers, individuals born between 1946 and 1964, begin to realize that, in fact, “time may not be on their side” and they start entering the stage of life where the risks of critical illness, incapacity and death increase. Implementing a proactive approach to protecting your wealth, health and property requires some diligence and planning, but the good news is that your BMO Nesbitt Burns Investment Advisor can help

This article provides an overview of the information and tools available through Gateway. A key feature of Gateway is the ability to access your BMO Nesbitt Burns account statements and trade confirmations electronically by signing up for eDocuments.