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  • Fund Facts | JULY 2017

    BMO Guaranteed Investment Funds

    Fund Facts

    BMO Guaranteed Investment Funds.106/152778 602E (2016/06/21) Registered trade-mark of Bank of Montreal, used under licence.

    BMO GIF Administrative and Services Office250 Yonge Street, 9th Floor, Toronto, ON M5B 2M8

    1-855-639-3867

    ClientServices.BMOLifeGIF@bmo.com

  • TABLE OF CONTENTS

    FUND FACTS

    INTRODUCTION .................................................................. 1

    FEES AND CHARGES ........................................................... 2

    BMO MONEY MARKET GIF ................................................. 3

    BMO CANADIAN BALANCED GROWTH GIF ........................ 5

    BMO CANADIAN INCOME STRATEGY GIF ........................... 7

    BMO U.S. BALANCED GROWTH GIF ................................... 9

    BMO NORTH AMERICAN INCOME STRATEGY GIF ............. 11

    BMO FIXED INCOME ETF PORTFOLIO GIF .......................... 13

    BMO INCOME ETF PORTFOLIO GIF .................................... 15

    BMO CONSERVATIVE ETF PORTFOLIO GIF ......................... 17

    BMO BALANCED ETF PORTFOLIO GIF ................................ 19

    BMO GROWTH ETF PORTFOLIO GIF .................................. 21

    BMO EQUITY GROWTH ETF PORTFOLIO GIF ...................... 23

    BMO LOW VOLATILITY CANADIAN EQUITY ETF GIF .......... 25

    BMO LOW VOLATILITY U.S. EQUITY ETF GIF ...................... 27

    BMO MONTHLY INCOME GIF ............................................ 29

    2017 Fund Facts_v6_FINAL_print.pdf 2 2017-05-29 3:01:36 PM

  • Fund Facts

    BMO GUARANTEED INVESTMENT FUNDS

    This section of the Information Folder contains individual Fund Facts for each segregated fund available through your BMO Guaranteed Investments Funds contract. You can choose to invest in one or more of these funds.

    The individual Fund Facts give you an idea of what each segregated fund invests in, how it has performed and what fees or charges may apply.

    The description of each segregated fund in the individual Fund Facts is not complete without the following description of What if I change my mind and For more information.

    WHAT IF I CHANGE MY MIND?

    You can change your mind about purchase of your contract and about subsequent transactions you make underthe contract within two business days of the date you receive confirmation of the purchase or of the transaction.You are deemed to have received the confirmation five days after it is mailed to you.

    You have to tell your insurer in writing, by email, fax or letter, that you want to cancel.

    The amount returned will be the lesser of the amount you invested or the value of the fund if it has gone down.The amount returned only applies to the specific transaction and will include a refund of any sales charges orother fees you paid.

    FOR MORE INFORMATION

    The Fund Facts may not contain all the information you need. Please read the contract and the Information Folder oryou may contact us at:

    BMO Insurance BMO GIF Administrative and Services Office 250 Yonge Street, 9th floor Toronto, ON M5B 2M8

    Telephone: 1-855-639-3867 Fax: 1-855-747-5613

    Email: ClientServices.BMOLifeGIF@bmo.com

    1

    INTRODUCTION

    2017 Fund Facts_v6_FINAL_print.pdf 3 2017-05-29 3:01:37 PM

  • BMO Life Assurance Company

    FUND FACTS BMO Guaranteed Investment Funds

    All information as at December 31, 2016

    2 FEES AND CHARGES

    FEES AND CHARGES

    Class A 75/75 and 75/100 Series

    Fund

    GIF 75/75 Series GIF 75/100 Series

    Management

    Fee*

    Insurance Fee &

    Insurance Fee Limit**

    (noted in brackets)

    Management

    Fee*

    Insurance Fee

    & Insurance

    Fee Limit**

    (noted in brackets)

    BMO Money Market GIF 1.00% 0.00% 1.00% 0.00%

    BMO Fixed Income ETF Portfolio GIF 1.30% 0.24% (0.74%) 1.30% 0.37% (0.87%)

    BMO Income ETF Portfolio GIF 1.40% 0.32% (0.82%) 1.40% 0.50% (1.00%)

    BMO Conservative ETF Portfolio GIF 1.40% 0.37% (0.87%) 1.40% 0.55% (1.05%)

    BMO Balanced ETF Portfolio GIF 1.45% 0.37% (0.87%) 1.45% 0.63% (1.13%)

    BMO Growth ETF Portfolio GIF 1.45% 0.45% (0.95%) 1.45% 0.76% (1.26%)

    BMO Equity Growth ETF Portfolio GIF 1.50% 0.45% (0.95%) 1.50% 0.76% (1.26%)

    BMO Low Volatility Canadian Equity ETF GIF 1.55% 0.48% (0.98%) 1.55% 0.84% (1.34%)

    BMO Low Volatility U.S. Equity ETF GIF 1.50% 0.53% (1.03%) 1.50% 0.85% (1.35%)

    BMO Monthly Income Fund GIF 1.60% 0.45% (0.95%) 1.60% 0.70% (1.20%)

    ** Management fee includes the management fee charged by the Underlying Fund(s) but excludes applicable taxes.** Insurance fee excludes applicable taxes.

    Class A and Prestige Class 100/100 Series

    Fund

    Class A Prestige Class

    Management

    Fee*

    Management

    Fee*

    Insurance Fee

    & Insurance

    Fee Limit**

    (noted in brackets)

    BMO Money Market GIF 1.00% N/A 0.00%

    BMO Canadian Balanced Growth GIF 1.50% 1.15% 1.03% (1.54%)

    BMO U.S. Balanced Growth GIF 1.50% 1.15% 1.03% (1.54%)

    BMO Canadian Income Strategy GIF 1.70% 1.35% 0.78% (1.28%)

    BMO North American Income Strategy GIF 1.70% 1.35% 0.73% (1.23%)

    BMO Conservative ETF Portfolio GIF 1.40% 1.05% 0.90% (1.40%)

    BMO Balanced ETF Portfolio GIF 1.45% 1.10% 1.00% (1.50%)

    BMO Monthly Income Fund GIF 1.60% 1.25% 1.03% (1.54%)

    ** Management fee includes the management fee charged by the Underlying Fund(s) but excludes applicable taxes.** Insurance fee excludes applicable taxes.

    2017 Fund Facts_v6_FINAL_print.pdf 4 2017-05-29 3:01:37 PM

  • BMO Life Assurance Company

    FUND FACTS BMO Guaranteed Investment Funds

    All information as at December 31, 2016

    BMO MONEY MARKET GIF 3

    BMO Money Market GIF

    Quick Facts:Date Fund created: December 2, 2013 (Series 100/100)

    June 21, 2016 (Series 75/75 & 75/100)

    Total Value on: $5,706,885

    Portfolio Manager: BMO Asset Management Inc

    Portfolio Turnover Rate: N/A (not disclosed)

    Class AManagement Expense Ratio

    (MER) (%) Net Asset Value per Unit ($) Number of Units Outstanding

    Series 75/75 140* 1000 54,063Series 75/100 140* 1000 129,334Series 100/100 073 1004 385,599Minimum Investment $500 $10,000 (see Information Folder for more details) BMO Insurance is currently waiving a portion of the fees for this Fund BMO Insurance has no obligation to continue waiving these fees and can terminate the waiver at any time without notice For the period ending on

    December 31, 2016, the MER without the waiver is 139%* The fund was launched June 21, 2016 and the MER is an estimate

    What does this fund invest in?The objectives of the fund are to preserve the value of your investment, provide interest income and a high level of liquidity It invests primarily in high-quality money market instruments issued by governments and corporations in Canada

    Top 10 Investments % of Assets1 BMO Money Market Fund Series I 952

    Wells Fargo Canada Corporation, Medium Term Notes, Unsecured, 2774% Feb 9, 2017 46 Toronto-Dominion Bank, The, Deposit Notes, Senior Unsecured, 2433% Aug 15, 2017 39Bank of Nova Scotia, Deposit Notes, Senior, 2598% Feb 27, 2017 35 Canadian Imperial Bank of Commerce, Deposit Notes, Senior, Unsecured, 3950% Jul 14, 2017 28 National Bank of Canada, Deposit Notes, Senior, Unsecured, 2019% Apr 13, 2017 27Province of Newfoundland, Treasury Bills, 0629% Mar 23, 2017 22Glacier Credit Card Trust, Asset Backed, Notes, 2807% May 20, 2017 21 Vancouver City Savings Credit Union, Bearer Deposit Notes, 0961% Feb 15, 2017 21Province of Quebec, Treasury Bills, 0590% Jan 6, 2017 20 National Bank of Canada, Deposit Notes, Senior, Unsecured, 2689% Aug 21, 2017 19

    2 Cash/Receivables/Payables 48

    Total 100.0

    Total Investments 2

    BMO Money Market GIF

    Investment Segmentation

    Corporate Bonds 443%Commercial Paper 206%Treasury Bills-Provincial 162% Treasury Bills 40% Money Market-Provincial 33%Municipal Bonds 30%Asset-Backed Securities 12%Provincial Bonds 10%Government Bonds 07%

    Cash/Receivables/Payables -01% Other 58%

    How has the fund performed?This section tells you how the fund has performed since it was created for a contractholder who chooses Class A Series 100/100 Returns are after the MER has been deducted It is important to note that this does not tell you how the fund will perform in the future Also, your actual return will depend on the guarantee option and/or class you choose and on your personal taxsituation

    Average returnA person who invested $1,000 in the fund on December 2, 2013 has $1,003 on December 31, 2016 This works out to an average of 01% a year

    Year-by-year return (%)This chart shows how the fund has performed in the past year In the last year, the fund was up in value 3 years and down in value 0 years

    0.3%0.1% 0.1%

    -10%

    -5%

    0%

    5%

    10%

    2014

    2015

    2013

    2012

    2011

    2010

    2009

    2008

    2007

    2016

    How risky is it?The value of your investments under your contract can go down Please see your information folder for details

    VERY LOW LOWLOW TO

    MODERATEMODERATE

    MODERATE TO HIGH

    HIGH

    Are there any guarantees?This fund is offered under an insurance contract It comes with maturity and death guarantees that may protect a contractholders investment if the market goes down The insurance cost for the guarantees is presented separately from management fees, but is charged to the fund The funds MER includes the insurance cost for the guarantees For full details please refer to the infor

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