投資產品
BMO has investment products and choices to help every investor make real financial progress. Whether you're investing for long-term growth or for your life today, we have diversified options to suit your needs and risk appetite.
可滿足每位投資人需求的多種投資選項
在選擇投資時，首先要考慮的是弄清楚您的目標，以及您希望何時達成這些目標 - 這將有助確定您的投資期限。您是否正在為未來幾個月的大額購買而儲蓄？在未來幾年內購買一個住屋？在未來幾十年後退休？您可以決定您的 。
投資類別
Guaranteed investment certificates are low risk and provide a steady rate of return, GICs are a basic investment type in a diversified portfolio that typically offer fixed terms and fixed, guaranteed returns.
Great for: Investors who want to protect their principal while earning interest.- Typical risk level: Low
- Typical investing horizon: Short- to long-term
債券是一種固定收入投資，通常由政府或企業發行。您的投資就像一筆貸款，然後在投資期限內，以定期遞增的方式償還，加上利息。
- Great for: Investors who want regular payments and principal protection.
- Typical risk level: Low to Medium
- Typical investing horizon: Medium- to long-term
互惠基金是一種投資類別，主要是將您的資金與其他投資者的資金匯集起來以購買由個別投資項目組成的投資組合，並且由專業的投資組合經理專人管理。
- Great for: Investors who want diversification and assets managed by professionals.
- Typical risk level: Low to High
- Typical investing horizon: Medium- to long-term
交易所買賣基金是一種混合、低成本的投資項目，結合了傳統股票及互惠基金兩者的優點。 Think of 交易所買賣基金s as baskets of securities made up of equities, fixed income and other assets.
- Great for: Investors who want diversified, low-fee investments.
- Typical risk level: Low to High
- Typical investing horizon: Medium- to long-term
一般人想到網上交易時，通常都想到買賣股票（也稱為權益），而股票是一家公開上市公司的所有權單位。當您擁有某家公司的股份時，這讓您對該公司的資產和未來收益有合法的權益。
- Great for: Investors who want to own shares in particular companies.
- Typical risk level: Medium to High
- Typical investing horizon: Medium- to long-term
Options are financial instruments that give the buyer the right, but not the obligation, to buy and sell an asset, usually a stock or 交易所買賣基金, at a predetermined price within a specific timeframe. They allow you to hedge, speculate, or generate potential income based on market movements.
- Great for: Investors seeking strategic flexibility and opportunities in market volatility.
- Typical risk level: Medium to High
- Typical investing horizon: Short to medium-term
自動儲蓄供款讓投資更輕鬆，有助您更快達到目標。了解更多關於我們的 持續儲蓄計劃。
可滿足任何目標的各種產品
不確定哪些投資產品適合您？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： | 建議的投資產品： |
|---|---|
Mutual funds | Stocks | 交易所買賣基金s | GICs | |
GICs | 交易所買賣基金s | Mutual funds | |
交易所買賣基金s | Mutual funds | Stocks | |
GICs | 交易所買賣基金s | Mutual funds | Bonds | |
GICs | Bonds |
Investing products FAQs
決定適合您的投資的兩個最重要的因素是您的風險承擔能力和投資期限。一般來說，投資時間越長，您的風險承擔能力就越高，因為投資組合可以經得住市場的波動，並掌握到市場上漲的獲利機會。例如：如果您有30年的時間為了退休儲蓄，您便可建立一個股票和互惠基金的投資組合。 As you approach your retirement goal, you may want to switch investments to alternatives that are lower-risk and can provide better capital preservation, such as bonds and GICs.
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.
這取決於您的投資期限和風險承擔能力。 If you have more than 5 years to invest, or are comfortable with some risk, stocks, 交易所買賣基金s and Mutual Funds are great investment types. If you're approaching retirement, GICs, bonds and some low-risk 交易所買賣基金s and Mutual Funds are great options. 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。
