投資賬戶
BMO has investment accounts for every investor, for every financial plan. Explore our registered, non-registered, locked-in and corporate investment accounts and discover the best ones to help you make progress toward your investment goals.
適合不同投資人的各種賬戶
每種賬戶類型都各有不同的優勢。註冊賬戶可充分享受減稅及稅務優惠；或省錢，並且可快速、方便使用現金的現金賬戶。了解以下我們的各種賬戶。
註冊賬戶
註冊賬戶已經在聯邦政府登記，並且提供稅務優惠。這些賬戶都有供款上限與獨有的規定。請繼續閱讀，以深入了解各種賬戶的詳情。
免稅儲蓄賬戶讓您享受免稅的資金增長。這表示您賬戶內所賺取的任何資金增長都無需繳稅，包括利息、股息及資本利得。
Great for: Investors who want a flexible way to save for the future.- Typical Investing horizon: Short-to long-term.
- Boost your TFSA: BMO offers great rates to help you get more from your savings.
註冊退休儲蓄計劃可降低您每筆存款的應稅收入。為退休儲蓄，但是可為購屋或教育而可選擇及早提領。
- Great for: Receiving tax breaks on money you save for retirement.
- Typical Investing horizon: Long-term
- Boost your 註冊退休儲蓄計劃（RRSP）: BMO offers great rates to help you get more from your savings.
註冊教育儲蓄計劃是為子女的教育進行儲蓄的最佳方法之一。政府每年可投入上限為$500，總額達$7,200。
- Great for: Parents who want to save for their children’s education.
- Typical Investing horizon: Medium- to long-term
- Boost your 註冊教育儲蓄計劃（RESP）: BMO offers great rates to help you get more from your savings.
First Home Savings Accounts provide a new opportunity to grow your money tax-free and save for a down payment. Like a TFSA, you can fill your FHSA with various investments. However, your FHSA contributions are tax-deductible, helping you decrease your income for the tax year and receive a tax refund.
- Great for: New and experienced investors interested in a tax-free investment account for purchasing a first home.
- Typical investing horizon: Short-term to long-term. 15-year maximum.
- Boost your FHSA: BMO offers great rates to help you get more from your savings.
註冊退休入息基金是在您退休後管理退休儲蓄的最佳方法。 It's like an 註冊退休儲蓄計劃（RRSP） in reverse – but instead of making contributions, you’re making withdrawals.
- Great for: Anyone with an 註冊退休儲蓄計劃（RRSP） approaching retirement.
- Typical investing horizon: Long-term
- Boost your RRIF賬戶: BMO offers great rates to help you get more from your savings.
註冊殘障儲蓄計劃為殘疾人士賺取的收益提供避稅優惠。收益增長可享受免稅優惠直到提領為止，讓您可盡情儲蓄。
- Great for: Canadians with disabilities and their families.
- Typical Investing horizon: Medium- to long-term
- Boost your RDSP: BMO offers great rates to help you get more from your savings.
準備開始了？
自動儲蓄供款讓投資更輕鬆，有助您更快達到目標。 Learn more about our Continuous Savings Plans.
仍然在考慮更長期的計劃？ No problem – grow your registered savings today with a special rate while you decide.
非註冊賬戶
非註冊賬戶是指並未向加拿大政府註冊且不提供稅務優惠的賬戶，但是您仍可按照您的意願進行供款及提款的金額及次數。BMO 滿地可銀行為非註冊賬戶提供個人及聯合賬戶選項。
現金
現金賬戶可持有投資項目。資本利得、股息、利息收入每年都必須課稅。
- Great for: Canadians who have maxed out their registered account contribution limits.
- Typical investing horizon: Short-to long-term.
- Available with: In-person investment professionals, Self-Directed and adviceDirect.
保證金交易賬戶是一種現金賬戶，允許投資人借款以購買證券。
- Great for: Experienced investors who don’t mind taking risks for the potential of high rewards.
- Typical investing horizon: Short-term.
- Available with: Self-Directed and adviceDirect
準備開始了？
鎖定賬戶
鎖定註冊賬戶允許持有退休金且已經離開其公司的投資人一直持有資金直到退休，提供他們在退休的黃金歲月中可隨時使用資金的便利性。
鎖定退休賬戶（LIRA）
鎖定退休賬戶允許您持續從先前僱主提供的退休金賺取利息。
LRIF賬戶
鎖定退休收入基金讓您可在退休時享用退休金（有最低及最高提款上限）。
- Great for: Investors with a pension
- Typical investing horizon: Short- to long-term
- Available with: In-person investment professionals, Self-Directed and adviceDirect
- Other account types: LRSP, RLSP, RLIF and PRIF
企業及非個人賬戶
非個人賬戶為非註冊賬戶。這些賬戶是以公司或其他實體之名設立。
公司及非個人賬戶提供給以下機構：
- 協會
- 公司
- 財產
- 信託
- 投資俱樂部/合作夥伴
- 私人持有公司
- Great for: Anyone investing on behalf of another individual, a business or an association
- Typical investing horizon: Short- to long-term
- Available with: In-person investment professionals, Self-Directed and adviceDirect
可滿足任何目標的各種賬戶
不確定您適合哪種投資賬戶？您可先從確定您的投資目標開始，以了解哪種賬戶最適合自己。
我希望： | 投資賬戶建議： |
|---|---|
註冊退休儲蓄計劃（RRSP） | TFSA | |
TFSA | 註冊退休儲蓄計劃（RRSP） | FHSA | Cash | |
註冊教育儲蓄計劃（RESP） | TFSA | |
TFSA | FHSA | Cash | |
退休收入基金（RIF）RRIF賬戶 | LIF | Cash |
Investing accounts FAQs
您選擇的賬戶將視您的投資目標而定。 If you’re saving for retirement, 註冊退休儲蓄計劃（RRSP）s and TFSAs are great options. If you're saving for a large purchase or a wedding, cash accounts might be a good option. If you're in retirement, you may want a RRIF賬戶; if you’re saving for a child’s education, an 註冊教育儲蓄計劃（RESP） is a great choice.
投資期限視您的年齡與投資目標而定。如果您現在是20多歲而您是為了退休而儲蓄，您的投資期限將是長期投資。如果您計劃在未來五年購屋，您的投資期限是非常短期。 Contact a BMO investment professional to discuss your options or learn more about our online investing platforms to see which would be best suited for your investing goals.
註冊退休儲蓄計劃（RRSP） is an account specifically designed for retirement. 這種賬戶讓您可進行長期儲蓄，同時每年也提供減稅優惠。TFSAs, meanwhile, offer flexibility while saving for retirement. Contact a BMO investment professional to discuss your options or learn more about our online investing platforms to see which would be best suited for your investing goals.
首先，先選擇最適合您的投資方式。之後，再評估您的投資期限及風險承擔能力。這些都確定之後，您可開設賬戶並且注入資金。
我們提供您多種聯絡我們的方式，以討論您的選項及開設賬戶。
我們有許多賬戶可提供稅務優惠。 註冊退休儲蓄計劃（RRSP） gives you tax breaks each year - by funding your account, you lower your taxable income and may receive an income tax return. TFSAs, 註冊教育儲蓄計劃（RESP）s and RDSPs allow your savings to grow tax-free.
