BMO 401(K) SAVINGS PLAN Investment Options
Available Funds in BMO 401(K) SAVINGS PLAN
Below is the lineup of investment options available to participants in BMO 401(K) SAVINGS PLAN. This typically includes a mix of mutual funds, index funds, and collective investment trusts (CITs) — which are pooled investment vehicles custom-built for large retirement plans, often with lower expense ratios than their retail mutual fund equivalents.
When evaluating these options, focus on expense ratios (lower is better), asset class coverage (U.S. stocks, international stocks, bonds, and stable value), and whether low-cost index funds are available. Research consistently shows that low-cost, broadly diversified index funds outperform most actively managed funds over the long term.
| 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 |
How to Build a Smart Portfolio in Your 401(k)
Your investment lineup is only as good as how you use it. Here are the key steps to building a portfolio that works for your retirement goals:
- Know your risk tolerance and timeline. If you are decades from retirement, you can generally afford more stock exposure. Closer to retirement, you may want to shift toward bonds and stable value for capital preservation.
- Diversify across asset classes. Spread investments across U.S. stocks, international stocks, bonds, and possibly real estate or stable value. This reduces the impact of any single market downturn.
- Favor low-cost index funds. Even a 0.5% difference in annual fees compounds to tens of thousands of dollars over a 30-year career. If your plan offers an S&P 500 index fund or a total stock market index fund at low cost, that is typically a strong core holding.
- Consider a target-date fund if you prefer simplicity. Target-date funds automatically adjust your stock/bond allocation as you approach retirement, making them a solid one-fund solution for hands-off investors.
- Rebalance at least annually. Over time, your portfolio drifts from its target allocation as some assets outperform others. Rebalancing keeps your risk level consistent.
Learn more in our Four-Step Guide for 401(k) Retirement Investing, or use the Asset Allocation Calculator to find the right mix for your age and risk tolerance.
Model Asset Allocation Portfolios
Not sure how to allocate your investments? These model portfolios are built from core, broadly diversified asset classes using ultra-low-cost index funds. Choose a template that matches your risk tolerance, then adapt it to the specific funds available in BMO 401(K) SAVINGS PLAN. See Asset Allocation Portfolio Templates for a detailed guide.
| Name | YTD Return | 1Yr AR | 3Yr AR | 5Yr AR | 10Yr AR | 15Yr AR | 20Yr AR | Common | Inception |
|---|---|---|---|---|---|---|---|---|---|
| Four Core Asset Portfolio | 4.74% | 18.86% | 12.42% | 5.72% | 8.01% | 7.30% | 6.92% | … | … |
| Five Core Asset Portfolio | 4.70% | 18.79% | 12.38% | 5.55% | 7.97% | 7.19% | 6.94% | … | … |
| Three Core Asset Portfolio | 4.57% | 19.80% | 13.11% | 6.19% | 8.52% | 7.64% | 7.10% | … | … |
| Two Core Asset Portfolio | 3.87% | 19.18% | 13.68% | 6.85% | 9.34% | 8.84% | 7.95% | … | … |
| Yale Endowment Template | 5.35% | 17.45% | 11.87% | 5.56% | 8.33% | 7.96% | 7.55% | … | … |
| S&P 500 Index | 5.96% | 30.43% | 21.65% | 12.98% | 15.09% | 13.73% | 10.93% | … | … |
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Puzzled on what to invest?
- We ask a few questions to decide your personal return and risk expectations
- We build a custom portfolio for your plan (401(k), 403(b), 529 …) or for a brokerage account
- We monitor and send timely rebalance emails on what investment funds to buy and sell
Looking for ideas to generate income?
- ETF or mutual fund income portfolios for 4-7% annual income
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