How adviceDirect works with you
1。我們必須了解您
Our investment professionals will take the time to get to know you, your unique financial needs, and goals so you can receive an end-to-end investing experience that’s completely tailored to you.
2. We’ll match you with a profile
Using what we’ve learned, we’ll match you with an that’s tailored to your investment goals.
3。我們幫您建立投資組合
Once you're assigned a profile, we help you build or balance your portfolio's composition. We recommend accounts and the right mix of , but you make the final decision.
1. Asset allocation
Ensure you’re holding the right mix of equities, fixed income, and cash to maximize growth or provide enough buffer to keep your portfolio on track.
2. Diversification
Improve your portfolio’s growth by monitoring how spread out your portfolio is across different industries and sectors.
3. Rating
Get buy, sell, and hold ratings, based on a system that scans 24 fundamental aspects of a company’s value to ensure you’re holding quality assets.
4. Risk
Assess the risk levels of all your securities and receive specific advice on how to reduce your exposure if you’ve gone above your risk limit.
Ongoing advisor support
When you want to consult with an expert, you can. Our licensed advisors are only a phone call away whenever you want to discuss your portfolio strategy, any advice you've received, or simply how to get the most out of adviceDirect.
顧問可以：
闡明投資建議- 分析投資組合
- 討論投資策略
- 提供額外的市場調查
- 分析並解釋通知内容
- Offer instruction on using adviceDirect’s tools and dashboard
工具和研究
With your investing knowledge and our powerful tools and research we can work together to help you invest smarter.
Get objective perspectives on North American-listed companies from BMO Capital Markets, and our partnerships with top research providers, like MarketGrader and Morningstar.
We have third-party ratings from MarketGrader, featuring target prices, Lipper Fund ratings for 進行投資s and capture ratings, for Canadian and U.S stocks. Using 24 indicators, MarketGrader assigns daily scores to these areas and combines them to indicate a buy, hold or sell recommendation.
Give your portfolio the edge it needs with insights that are:
- Tailored to the stocks you own or have in your Watchlist
- Event-driven, based on key financial data such as an earnings release or dividend announcement
- Ranked within your feed based on key events and the weight of securities in your portfolio
Our trade ideas are personalized to you, easy-to-follow and based on industry leading investment research. We use third-party data to present top-performing stocks of interests. This is a great way to find new opportunities and learn about new companies you may have not considered.
Our watchlists let you follow up to 50 different stocks and options at a time. With our watchlists you can:
- Follow their performance.
- Retrieve a personalized list of stocks.
- Get easy access to current quotes and track analysts’ ratings.
Our industry-leading ESG insights can help give your investment strategy an edge with research & ratings that allow you to invest through a sustainable lens.
Powered by MSCI, an industry-leading ESG research provider covering 821,400+ equity and fixed income securities around the globe, these insights can help you identify high ESG rated companies driving change – from adopting innovative green technologies to a more equal and inclusive workplace.
- Review the overall ESG 評級 of any company or 進行投資 and see how each performs under the three pillars of Environmental, Social, and Governance.
- 比較 ESG ratings 與其股價和同業競爭對手進行比較。
- 根據氣候變遷、人力資本、 企業治理、廣泛多元化等長期風險，識別業界領導者。
- 隨時掌握可能產生重大風險與契機的 特定產業相關業務問題。
- 分析爭議 及公司是否恪遵國際標準及原則。
Invest through a sustainable lens with our industry-leading ESG insights today.
Our platform is flexible to fit your needs
理財通（adviceDirect）預覽
了解更多Explore a sample of adviceDirect's tools and insights, check your portfolio’s health and watch your favourite stocks - 免費 with adviceDirect Preview.
理財通（adviceDirect）Premium
了解更多Receive personalized advice, exclusive research and comprehensive financial planning from your dedicated advisory team at no extra cost with adviceDirect Premium - once you or your family holds over $500,000 in assets.
What makes adviceDirect different
adviceDirect offers you tools, recommendations and services that you won’t find at any other online brokerage, plus the features you’ve come to expect with online investing.
使用全新BMO投資應用程式隨時隨地進行投資
- Use your preferred biometric log in method to access your adviceDirect account while on the move and start trading now
- Easily access your online investing account with personalised advice and continuous portfolio monitoring for more informed investing decisions
- Monitor your investments using MyAdvice based on your asset allocation, diversification, ratings, and risk
附註： 投資組合內持有的 BMO 投資金額 應用程式專為行動裝置設計。為了獲得在以下平台的最佳 BMO InvestorLine 投資優惠線體驗： 體驗， 請使用最新版本的網頁瀏覽器。支援Chrome、Edge、Firefox和Safari瀏覽器。
已準備好開始使用理財通（adviceDirect）進場投資？
想了解更多關於投資的資訊？歡迎查詢這些實用的好文章。
專業建議結合全數位網上交易 交易
試想由理財通（adviceDirect）陪同您一起操作的網上投資 - that's adviceDirect.
Artificial Intelligence in AI 投資
人工智慧投資已經影響我們為未來儲蓄的方式。
需要找到投資的原因 策略
Develop—or stick with—the right investment strategy for you and your goals.
Learn more about how to stay on top of your investments and make confident choices
理財通（adviceDirect）常見問題
理財通（adviceDirect）不斷監測您的投資組合，確保所屬建議與投資者類型匹配。如有任何與購買、持有、出售等需要注意的方面，便會立即收到通知，讓您調整投資組合，並確保自己保持於正軌。
我們會引領您，為投資者類型維持股票與固定入息的正確分配。
adviceDirect will send you notifications (either by email or a secure MyLink™ inbox) alerting you to any issues in your portfolio and what action you should take to bring it back in line with your investor profile.
其中包含：
- 訊息提示告知您的投資組合的資產分配、分散投資或風險存在問題。
- 每次股票交易指令已成交，要求成交通知
- 您的投資組合中的股票或互惠基金的評級發生變動
- 提請您關注的企業行動
- 您的註冊賬戶中的不合格證券
- 市場、股票及新聞訊息提示
- 提醒您查看您的電子賬單
adviceDirect provides comprehensive ratings on equities, mutual funds and 進行投資s from our respected third-party partners Morningstar and MarketGrader:
Morningstar
Morningstar Inc.是遍及北美、歐洲、澳洲和亞洲的獨立投資研究機構，是業界的權威。Morningstar的基準和分類為資產經理、基金公司和金融中介機構等廣泛視作業界標準。
透過使用過往3年的調整回報風險分析，其評級系統分析個人交易及互惠基金，然後從0至100之間給予評分，從而標示購買、持有或售賣的建議。
Marketgrader
MarketGrader.com是一家獨立研究提供商，它從四個主要方面對公開發行公司最近五年的財務狀況進行分析：成長性、公司價值、盈利能力及現金流量。
按照24基礎指標，該系統為以上範圍分配每日分數，然後針對該公司的安全將這些分數結合到介乎0至100之間的整體分數，從而標示購買、持有或售賣的建議。
理財通（adviceDirect）專家是有執照的顧問，可以討論您的投資組合、您收到的建議以及如何充分利用科技。 They have many years of experience dealing with equities, mutual funds, 進行投資s and fixed income products.
You can open the following types of accounts with adviceDirect: Cash, Margin, 退休儲蓄計劃, 註冊教育儲蓄計劃（RESP）, TFSA, RRIF賬戶, Prescribed Retirement Income Fund, Registered Locked in Savings Plan, Life Registered Income Fund, Locked in Retirement Fund, Restricted Life Income Fund 與 Locked in Retirement Account。
您可使用以下任何方式開始進行：
- 請於東部時間星期一至星期五上午8時至下午6時致電1-888-776-6886聯絡我們。
- Visit the InvestorLine Store at 100 King St W, Toronto, ON M5X 1H3
- 從本網站上下載及列印 an application, fill it in and drop it off at a BMO Bank of Montreal branch or mail it to:
- BMO BMO InvestorLine 投資優惠線理財通（adviceDirect）First Canadian Place100 King St. W., Floor B1Toronto, ON M5X 1H3
Once you start your application, an advisor will go through a full KYC interview to get you started as an adviceDirect client.
Visit our FAQ page.
有問題嗎？我們隨時在這裡提供協助。
致電我們
Connect with an Investment Advisor for account-related questions from Monday to Friday 8 a.m. to 6 p.m. ET.
1-844-274-3762 North America (Toll-free)
1-416-355-8366 國際（對方付費電話）
與我們洽談
與專家聯係，週一至週五 上午8時至下午8時（美東時間）。
讓我們聯絡您
讓我們的專家聯絡您，討論您的需求。
BMO InvestorLine Inc. is a member of BMO Financial Group. ®Registered trade-mark of Bank of Montreal, used under licence. BMO InvestorLine Inc. is a wholly owned subsidiary of Bank of Montreal. 加拿大投資者保障基金（CIPF）會員與加拿大投資業監管組織（IIROC）會員。理財通（adviceDirect）賬戶是一個以收費方式、提供投資建議的非全權委託賬戶。理財通（adviceDirect）並不提供來自經理人的投資組合管理。客戶自行作出投資決定，並管理自身的投資組合。理財通（adviceDirect）不提供接受委託管理的賬戶。