持續儲蓄計劃（CSP）
(CSP) is a pre-authorized plan that withdraws funds from an account you select, and deposits them into a Savings or Investment account on a regular schedule. 設定免費，而且您可從每月低至$50開始。
充分利用儲蓄的複利增長- 選擇您的供款方式
- 設定目標並且輕鬆執行
為什麼要開始啟用CSP？
複利增長
及早投資和經常性投資，即使從小金額開始，都可助您透過複利增長來增加儲蓄。
靈活供款
與年度一次性供款相比，定期儲蓄長期下來效果非凡。
目標設定
Contributing regularly through a CSP can help keep you focused on your long-term goals, and reduce the temptation to use your money for impulse purchases.
您可以儲蓄多少？
Try our simple Savings Calculator to find out how much you could save with a CSP (Continuous Savings Plan)
CSP by the numbers
$0:
開設Continuous Savings Plan的費用
$50:
每月最低供款（或每半個月$25）。
$424,125:
30年後的投資總額，假設每兩週$200且年利率為6%。
CSP的運作方式
僅需決定供款金額、付款頻率（每月$50或每半個月$25）、提款賬戶，以及您想供款的儲蓄或投資計劃。
How to set up your CSP account
- A BMO investment professional can set it up for you.
- 如果您是 BMO customer, you can set it up yourself through Online Banking.
- If you’re an online investing customer, you can set up a CSP through your InvestorLine or SmartFolio account.
Once it’s set up, your CSP will then make debits and deposits according to your schedule, automatically. 開設賬戶，或登入網上銀行服務以開始進行。
How to make the most of your CSP
Here are a few ways to make sure you’re taking advantage of what a CSP has to offer.
選擇產品
確保您供款的投資項目與您的風險承擔能力及投資期限一致。為退休儲蓄？股票， 交易所買賣基金s and mutual funds are great choices. 為短期目標儲蓄？GICs and bonds are great. 了解更多
按照能力儘量多供款
While $50 a month is the minimum contribution you can make, your CSP will go much further if you contribute as much as possible, up to your account's annual maximums. 您升遷了？ Make sure to increase your CSP contributions to take advantage of long-term savings.
更頻繁供款
更頻繁供款也很有幫助。例如，在整年中的供款會較年終時同樣金額的一次性投資，更能充分利用到複利的效益。
工具及資源
Find out how much you could save with a TFSA 賬戶。
規劃您的註冊退休儲蓄計劃（RRSP）的儲蓄。
Learn more about investing with BMO
為什麼複利投資是您的理財關鍵 未來
了解更多關於複利的神奇所在，以及對於您的投資的影響。
黃金規則： 投資
我們提供7大投資術來增長您的投資，取得更大的回報。
5個投資提示： 新手
讓這些提示協助您的投資旗開得勝。
CSP FAQs
一般問題
A Continuous Savings Plan (CSP), also known as a pre-authorized contribution or deposit, does your saving for you automatically, so you don't have to think about it.這項計劃定期自動從您選擇的賬戶中提款，並且將款項再存入您的儲蓄或投資賬戶。
Setting up a CSP is easy! If you’re already a BMO customer, you can do it yourself through Online Banking. 您可在「我的賬戶」標籤下找到。您也可透過我們的投資專家協助您設定，他們非常樂於為您服務。 You can ask at your local branch, or call the BMO Investment Centre at 1-800-665-7700. 您還可以填寫我們的網上表格，我們的人員便會聯絡您。
如果您已經是SmartFolio的 InvestorLine 投資優惠線的客戶，您可透過賬戶中的「轉移資金」（Move Money）標籤設定。
Nothing! There’s no fee to set up a CSP.
Contributing to your CSP 常見問題
您希望的供款時間表幾乎都有：每週、雙週、每半月、每月，或每季。
The minimum contribution amount for a CSP is $50 a month.如果您採取半個月一次供款的時刻表，則每次供款僅$25。
Sure! You can change the amount of your CSP four (4) business days before the next scheduled purchase date.您可自行變更，也可由我們的投資專家協助，可在您附近的分行或透過電話進行。
Good question. Dollar cost averaging is what happens when you use a CSP to buy an investment product (like Mutual Funds) whose values change over time.您供款金額維持不變，因此，如果基金的單位成本下跌，則您可購買更多單位。透過降低隨著時間累積下所購買的單位成本，在動蕩市場中，這種方式對您有利。
CSP accounts
Your CSP can contribute to just about any type of account, including 註冊退休儲蓄計劃（RRSP）s, 註冊教育儲蓄計劃（RESP）s, TFSAs, or Mutual Fund accounts. 您可設定為雙週、半月、每月、每季，及年度供款。
It sure can. A CSP can debit from any account at any Canadian bank. The only exception is if you want to make 美國 dollar contributions to a 美國 dollar mutual fund — those have to come from a BMO 美國 dollar account.
Absolutely. You can both contribute to any non-registered plan or an RESP.
註冊基金（例如 註冊退休儲蓄計劃（RRSP）s, TFSAs and 註冊教育儲蓄計劃（RESP）s) are registered with the government and shelter your investments earnings from tax. 相較之下，非註冊賬戶中所賺得的投資收益必須繳納所得稅。 You can use a CSP to contribute to both registered and non-registered funds.
Important notice about our relationship with you: The new Our Relationship brochure has key information you should know when investing with us. 了解更多關於 BMOII’s relationship with you, the products and services we offer, how we get paid, and how we always put your interests first. 了解更多
- 註腳劍號詳情條款及細則適用
- 註腳星號詳細資訊本計算器僅供說明用，不構成投資建議或承諾未來績效。不是也不得被解釋為對於任何人的投資或法律建議。並未扣除任何費用或考量任何稅金。並不保證可達到所選擇的投資報酬率。提供較高回報率潛力的投資項目也涉及較高的風險程度。
- BMO Global Asset Management is a brand name that comprises BMO Asset Management Inc., BMO Investments Inc., BMO Asset Management Corp., BMO Asset Management Limited and BMO’s specialized investment management firms.
- BMO Mutual Funds are managed by BMO Investments Inc., which is an investment fund manager and a separate legal entity from Bank of Montreal.
- 互惠基金投資可能衍生佣金、尾隨佣金（如適用）、管理費及相關支出等費用。請參閱 交易所買賣基金 facts, fund facts or prospectus of the relevant mutual fund before investing. 互惠基金的收益並無保證，其價值會經常變動，過往的業績績效可能不會重現。
- For a summary of the risks of an investment in the BMO Mutual Funds, please see the specific risks set out in the prospectus. 交易所買賣基金 Series of the BMO Mutual Funds trade like stocks, fluctuate in market value and may trade at a discount to their net asset value, which may increase the risk of loss. 收入分配並無保證，而且可能隨時會變更和/或取消。
- ®/TM 為滿地可銀行的註冊商標/註冊商標，經許可使用。
