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BMO Retirement Conservative Portfolio Series A

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Global Fixed Inc Balanced

FundGrade C Click for more information on Fundata’s FundGrade

FundGrade C

Click for more information on Fundata’s FundGrade.

Fundata ESG GradeA Click for more information on Fundata’s ESG Grade

Fundata ESG Grade A

Click for more information on Fundata’s ESG Grade.

NAVPS
(07-29-2025) 		$12.35
Change
$0.03 (0.20%)

As at June 30, 2025

As at June 30, 2025

As at June 30, 2025

Period
Created with Highcharts 10.3.3Jan 2024Jul 2022Oct 2022Jan 2023Apr 2023Jul 2023Oct 2023Apr 2024Jul 2024Oct 2024Jan 2025Apr 2025Jan 2016May 2017Sep 2018Jan 2020May 2021Sep 2022Jan 2024$10,000$11,000$12,000$9,500$10,500$11,500Period

Legend

BMO Retirement Conservative Portfolio Series A

Compare Options

Fund Returns

Inception Return (August 25, 2015): 3.07%

Fund Returns
Row Heading Return Annualized Return
1 Mth 3 Mth 6 Mth YTD 1 Yr 2 Yr 3 Yr 4 Yr 5 Yr 6 Yr 7 Yr 8 Yr 9 Yr 10 Yr
Fund 1.10% 1.46% 2.16% 2.16% 6.96% 6.83% 5.76% 1.98% 2.81% 3.15% 3.31% 3.15% 2.96% -
Benchmark 1.79% 0.63% 2.54% 2.54% 10.33% 9.38% 8.07% 2.58% 2.12% 3.19% 3.50% 3.70% 3.61% 4.25%
Category Average 1.31% 1.97% 3.13% 3.13% 8.43% 7.87% 6.93% 2.26% 3.66% 3.49% 3.59% 3.42% 3.57% 3.38%
Category Rank 647 / 1,019 620 / 1,011 777 / 1,009 777 / 1,009 857 / 994 770 / 937 801 / 920 570 / 845 614 / 801 450 / 765 381 / 665 347 / 600 364 / 527 -
Quartile Ranking 3 3 4 4 4 4 4 3 4 3 3 3 3 -

Monthly Return

Created with Highcharts 10.3.3-2%-1%0%1%2%3%4%
Monthly Return
Return % Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun
Fund 2.05% 0.88% 1.46% -0.64% 2.11% -1.20% 1.50% 0.65% -1.45% -0.90% 1.27% 1.10%
Benchmark 3.61% -0.15% 2.06% -0.11% 1.82% 0.19% 1.92% 0.64% -0.65% -1.67% 0.54% 1.79%

Best Monthly Return Since Inception

4.61% (April 2020)

Worst Monthly Return Since Inception

-3.93% (March 2020)

Calendar Return (%)

Created with Highcharts 10.3.3-20%-10%0%10%20%
Calendar Return
Return % 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Fund - 1.48% 3.13% -1.54% 8.81% 7.45% 3.90% -10.75% 6.82% 8.09%
Benchmark 16.91% 0.39% 3.81% 5.53% 6.30% 9.09% -0.49% -11.13% 6.74% 11.56%
Category Average 1.21% 4.39% 5.49% -2.85% 9.97% 7.08% 4.51% -11.10% 7.71% 8.38%
Quartile Ranking - 4 4 2 3 2 3 3 4 3
Category Rank - 445/ 464 454/ 543 238/ 621 504/ 730 292/ 787 515/ 839 443/ 885 698/ 927 712/ 981

Best Calendar Return (Last 10 years)

8.81% (2019)

Worst Calendar Return (Last 10 years)

-10.75% (2022)

Asset Allocation

Asset Allocation
Name Percent
International Equity 30.67
Foreign Bonds - Funds 30.28
Canadian Bonds - Other 13.19
US Equity 11.27
Foreign Government Bonds 5.10
Other 9.49

Sector Allocation

Sector Allocation
Name Percent
Fixed Income 55.51
Mutual Fund 28.39
Technology 2.70
Healthcare 1.90
Utilities 1.86
Other 9.64

Geographic Allocation

Geographic Allocation
Name Percent
Multi-National 58.67
North America 38.94
Europe 1.83
Asia 0.39
Latin America 0.19

Top Holdings

Top Holdings
Name Percent
BMO Risk Reduction Fixed Income Fund Series I 30.28
BMO Risk Reduction Equity Fund Series I 28.39
BMO Core Plus Bond Fund ETF (ZCPB) 13.19
BMO Low Volatility US Equity ETF (ZLU) 5.98
BMO US Aggregate Bond Index ETF (Hdg) (ZUAG.F) 5.32
BMO Short-Term US TIPS Index ETF (Hdg) (ZTIP.F) 2.93
BMO Mid-Term U.S. IG Corp Bond Hedged to CAD (ZMU) 2.92
BMO MSCI USA High Quality Index ETF (ZUQ) 2.80
BMO S&P 500 Index ETF (ZSP) 1.63
BMO Long Federal Bond Index ETF (ZFL) 1.47

Equity Style

Equity style data not available

Fixed Income Style

Fixed income style data not available
Period: 

Risk vs Return (3 Yr)

Created with Highcharts 10.3.3Risk (Annualized Standard Deviation)ReturnMedian DeviationMedian Return456789101112130%2%4%6%8%10%12%14%

BMO Retirement Conservative Portfolio Series A

Median

Other - Global Fixed Inc Balanced

3 Yr Annualized

Standard Deviation 5.82% 5.78% -
Beta 0.82% 0.71% -
Alpha -0.01% 0.01% -
Rsquared 0.76% 0.64% -
Sharpe 0.31% 0.08% -
Sortino 0.74% -0.01% -
Treynor 0.02% 0.01% -
Tax Efficiency 91.21% 86.87% -
Volatility Volatility rating is 2 on a scale of 1 to 10 Volatility rating is 2 on a scale of 1 to 10 -

Risk Rating

Rating 2 out of ten

Annualized Key Ratio Period Comparison

Key Ratio
Key Ratio 1 Yr 3 Yr 5 Yr 10 Yr
Standard Deviation 4.42% 5.82% 5.78% -
Beta 0.72% 0.82% 0.71% -
Alpha 0.00% -0.01% 0.01% -
Rsquared 0.67% 0.76% 0.64% -
Sharpe 0.79% 0.31% 0.08% -
Sortino 1.44% 0.74% -0.01% -
Treynor 0.05% 0.02% 0.01% -
Tax Efficiency 94.18% 91.21% 86.87% -

Fundata ESG Metrics

Fundata ESG Score

Created with Highcharts 10.3.3Grade: EGrade: DGrade: CGrade: BGrade: A99.4​99.499.6​99.60%10%20%30%40%50%60%70%80%90%100%

The E, S, and G scores are averaged for each security in the portfolio, to arrive at an ESG score for each security. We take the portfolio weighted average of the ESG scores for each fund and rank them against their peers to arrive at the Fundata ESG Score from 0-100.

Fundata E Score

Created with Highcharts 10.3.3Grade: EGrade: DGrade: CGrade: BGrade: A98.8​98.899.3​99.30%10%20%30%40%50%60%70%80%90%100%

Three scores under the Environment bucket are averaged to yield the Fundata Environment Score for each fund from 0-100: (1) Pollution Prevention, (2) Environmental Transparency, (3) Resource Efficiency.

Fundata S Score

Created with Highcharts 10.3.3Grade: EGrade: DGrade: CGrade: BGrade: A99.1​99.199.6​99.60%10%20%30%40%50%60%70%80%90%100%

Six scores under the Social bucket are averaged to yield the Fundata Social Score for each fund from 0-100. (1) Compensation and Satisfaction, (2) Diversity and Rights, (3) Education and Work Conditions, (4) Community and Charity, (5) Human Rights, (6) Sustainability Integration.

Fundata G Score

Created with Highcharts 10.3.3Grade: EGrade: DGrade: CGrade: BGrade: A99.4​99.499.5​99.50%10%20%30%40%50%60%70%80%90%100%

Three scores under the governance bucket are averaged to yield the Fundata Governance Score for each fund from 0-100: (1) Board Effectiveness, (2) Management Ethics, (3) Disclosure and Accountability.

Powered by OWL Analytics. For more information, please contact Fundata Canada.

View the full methodology

Fund Details

Start Date August 25, 2015
Instrument Type Mutual Fund
Share Class Commission Based Advice
Legal Status Trust
Sales Status Open
Currency CAD
Distribution Frequency Annual
Assets ($mil) $1,595

Fund Codes

FundServ Code Load Code Sales Status
BMO224
BMO70224

Investment Objectives

This fund's objective is to seek to preserve the value of your investment and provide moderate potential for growth while seeking to reduce portfolio volatility by investing primarily, directly or indirectly, in global equities and fixed income securities.

Investment Strategy

These are the strategies the portfolio manager uses to try to achieve the fund’s objectives: employs a strategic asset allocation strategy and may dynamically shift the fund’s exposure across asset classes and markets; employs investment strategies that seek to reduce portfolio risk levels. These strategies seek to reduce exposure to market declines, while recognizing that the fund may not fully benefit from strong market growth.

Portfolio Management

Portfolio Manager

BMO Asset Management Inc.

  • Marchello Holditch
  • Taylor Evans
  • Zoe Li
Sub-Advisor

-

Management and Organization

Fund Manager

BMO Investments Inc.
Custodian

State Street Trust Company Canada
Registrar

BMO Investments Inc.

State Street Trust Company Canada
Distributor

BMO Investments Inc.

Investment Minimums

RSP Eligible Yes
PAC Allowed Yes
PAC Initial Investment 50
PAC Subsequent 50
SWP Allowed Yes
SWP Min Balance 10,000
SWP Min Withdrawal 100

Fees

MER 1.78%
Management Fee 1.45%
Load No Load
FE Max -
DSC Max -
Trailer Fee Max (FE) -
Trailer Fee Max (DSC) -
Trailer Fee Max (NL) 1.00%
Trailer Fee Max (LL) -

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