Managing Your Wealth

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.
BMO Wealth Institute Report
This is a helpful resource summarizing important tax, retirement and estate planning information.
2024 Wealth Planning Facts & Figures

Economic and Market Updates 

Strategic commentary and an overview of financial markets.
Investment Strategy
Strategic commentary and an overview of financial markets.
Investment Strategy
Strategic commentary on equity and fixed income as well as an overview of fixed income markets.
Investment Strategy Summary
High energy and food costs are eating into consumer spending power and confidence. Fast-rising interest rates are cooling the previous fire-breathing housing market. Even after several upward revisions, we still see upside risks for both inflation and policy rates. Any further bumps higher would almost surely lead to a hard landing. Still, we give the expansion roughly even odds to continue, albeit at a much slower pace and close to stalling at year-end. Support stems from high household savings and pent-up demand for travel, in-person services, and automobiles.
Resilience or Recession?
This Too Shall Pass
This Too Shall Pass

Retirement Planning

The locking-in of pension benefits is an important concept. Pension regulations are designed to ensure that the pension benefits promised by an employer are available at the employee’s retirement date and that the accumulated pension funds are used to provide a lifetime retirement income for the employee. In response to the growing demand for more flexibility, many provinces, as well as the Federal government, have amended their pension acts to allow additional maturity options.
Locked In Retirement Accounts
RRSP Withdrawals
RRSP Withdrawals
As a client of BMO Nesbitt Burns Inc., your dedicated BMO Nesbitt Burns Investment Advisor takes pride in helping you manage your wealth and reaching your financial goals. You trust us with your most confidential information, as well as safeguarding the wealth that you’ve worked hard to build. We take this responsibility seriously and have protections in place to safeguard your assets. Beyond our internal controls, BMO Nesbitt Burns is a member of the governing bodies of our industry and, as such, operates its business in strict adherence to the regulations, policies and bylaws dictated by these governing organizations.
Your Assets are Safeguarded at BMO Nesbitt Burns Inc.

Tax Planning Strategies

A Deeper Dive into the Proposed Increase to the Capital Gains Inclusion Rate
Capital Gains Tax Changes May 2024
The locking-in of pension benefits is an important concept. Pension regulations are designed to ensure that the pension benefits promised by an employer are available at the employee’s retirement date and that the accumulated pension funds are used to provide a lifetime retirement income for the employee. In response to the growing demand for more flexibility, many provinces, as well as the Federal government, have amended their pension acts to allow additional maturity options.
Locked In Retirement Accounts
RRSP Withdrawals
RRSP Withdrawals
In the 2022 Federal budget, the Canadian government proposed the introduction of the tax-free First Home Savings Account (“FHSA”). This new registered plan enables prospective first-time home buyers to contribute up to $40,000 toward saving for their first home on a tax-free basis. Similar to a Registered Retirement Savings Plan (“RRSP”), contributions to an FHSA are tax-deductible, and withdrawals to purchase a first home – including from investment income – are non-taxable, like a Tax-Free Savings Account (“TFSA”).
First Home Savings Account
The 2024 Federal Budget Review was prepared by our in-house BMO Private Wealth tax professionals: John Waters, Vice-President, Director of Tax Consulting Services and Dante Rossi, Director, Tax Planning.
2024 Federal Budget Review

Estate & Succession Planning

This article discusses common digital asset considerations and important information for making sure they are properly addressed in your estate plan.
Digital Assets and Your Estate Plan
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
Estate Information Organizer
April 30, 2020: A crisis can be a catalyst for action if you don’t have an estate plan – or even a Will. Here is a checklist to help ensure your estate plan is up to date, reflects your current wishes, and continues to align to your goals.
“Stress Testing” Your Estate Plan in a Time of Crisis

Research

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

Current News / Affairs

The 2024 Federal Budget Review was prepared by our in-house BMO Private Wealth tax professionals: John Waters, Vice-President, Director of Tax Consulting Services and Dante Rossi, Director, Tax Planning.
2024 Federal Budget Review

Education and Knowledge

Volume 2, Issue 1
Learn More
As the Periodic Table of Returns demonstrates, your portfolio should be well diversified amongst global asset classes to enhance return and reduce risk. Click to read more.
Periodic Table of Asset Class Returns
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.
Impact of Sequence of Returns on Your Retirement Portfolio
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.
BMO Wealth Institute Report
This is a helpful resource summarizing important tax, retirement and estate planning information.
2024 Wealth Planning Facts & Figures

Responsible Investing

For many, 2020 was seen as a “critical year for addressing climate change.” Riding on a wave of environmental activism, the hope was that the 2020 UN Climate Change Conference (COP26), scheduled in November of last year, would solidify plans to reduce global carbon emissions. Instead, COVID-19 and anti-racism movements refocused public attention, overshadowing many pressing environmental concerns and postponing COP26. But while this period of upheaval seems to have sidelined the momentum that environmental concerns were gaining, the social inequalities revealed have pushed many conscious investors to explore sustainable investments — specifically those focused on companies with strong environmental, social, and corporate governance (ESG) principles.
Considering Responsible Investing? Here's Why You Should