Investment options of BMO 401(K) SAVINGS PLAN
Total Available Funds: 32
| Investment Description |
|---|
| Non-Lendable Fund H 26,009,118 shares |
| BlackRock LifePath Index |
| Non-Lendable Fund H 2,749,242 shares |
| Non-Lendable Fund F 7,170,159 shares |
| Non-Lendable Fund H 10,558,355 shares |
| Non-Lendable Fund H 15,713,801 shares |
| Non-Lendable Fund H 21,914,350 shares |
| Non-Lendable Fund H 18,527,078 shares |
| Non-Lendable Fund H 18,365,269 shares |
| Non-Lendable Fund H 18,969,538 shares |
| Institutional Class 1,098,751 shares |
| Index Fund, Institutional Class 359,570 shares |
| Index Fund, Institutional Class 293,575 shares |
| Index Fund, Institutional Class 380,893 shares |
| Institutional Class 340,463 shares |
| Institutional Class 177,610 shares |
| Analyst) of JPMorgan Chase Bank, N.A. 8,350,183 shares |
| WTC-CIF II Midcap Opportunities S3 2,916,786 shares |
| MFS International Equity CL 3A 6,093,658 shares |
| Dimensional U.S. Small Cap Cit T 14,458,124 shares |
| CIT 4,656,591 shares |
| Trust (Class B) 139,040 shares |
| Fund C 5,952,001 shares |
| Class 1,755,212 shares |
| BlackRock 80/20 Target Allocation K 10,009,521 shares |
| BlackRock 60/40 Target Allocation K 4,022,059 shares |
| BlackRock 40/60 Target Allocation K 1,827,538 shares |
| BlackRock 20/80 Target Allocation K 1,695,440 shares |
| Met Tower Life |
| State Street Bank |
| Bank of Montreal 1,164,482 shares |
| There were no investment assets reportable as acquired and disposed of during the year ended December |
Investment model portfolios
We provide two types of investment model portfolios for BMO 401(K) SAVINGS PLAN participants. You can customize and follow a model portfolio in your plan account.
Types of portfolio strategies
- Strategic asset allocation portfolio: It invests in a diversified portfolio of multiple assets, buy-and-hold without frequently changing the asset allocation weights.
- Suitable: For long-term (more than 15 years, preferably more than 20 years), want to be tax efficient and can withstand interim drawdown or loss as high as 50% or more.
- Pros:
- Less error-prone
- Infrequent rebalancing or transactions
- Tax efficient for taxable brokerage investments
- Cons:
- Interim loss or drawdown can be substantial
- Possible low returns for an extended period, such as 10 years or longer
- Tactical asset allocation portfolio: it invests in a diversified portfolio of multiple assets, dynamically adjust stock and bond allocations to minimize losses during market stress.
- Suitable: For long-term (more than 10 years or preferably longer) capital. Investors are willing to rebalance as frequent as monthly.
- Pros:
- Reduce large interim loss or drawdown
- Less sensitive to investment entry point
- Likely to improve returns
- Cons
- Demand more frequent rebalancing or transactions
- Less tax efficient — more suitable in a tax-deferred account such as 401(k) or IRA
- Can experience a period of lower returns compared to a broad-based strategic allocation or a buy-and-hold benchmark, especially in some bull markets
These portfolios are proactively monitored and rebalanced on a monthly basis when needed, ensuring it remains in line with its target allocation.
Let us know (Email us) if you need help to create a custom model portfolio for your plan.
Retirement Plan (401(k)) Info for BMO 401(K) SAVINGS PLAN