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BMO Retirement Conservative Portfolio Series A
Global Fixed Inc Balanced
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FundGrade C
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Click for more information on Fundata’s ESG Grade
Fundata ESG Grade A
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|
NAVPS (09-04-2026) |
$13.01 |
|---|---|
| Change |
-$0.01
(-0.04%)
|
As at July 31, 2026
As at June 30, 2026
As at July 31, 2026
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Legend
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Fund Returns
Inception Return (August 25, 2015): 3.35%
| 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 | -0.86% | 1.55% | 2.21% | 3.10% | 6.07% | 5.61% | 6.58% | 5.12% | 2.60% | 3.05% | 3.54% | 3.62% | 3.59% | 3.19% |
| Benchmark | -1.80% | 3.13% | 3.89% | 4.24% | 7.52% | 7.30% | 8.70% | 7.34% | 3.27% | 2.76% | 3.83% | 4.13% | 4.41% | 3.83% |
| Category Average | -0.84% | 1.83% | 2.84% | 3.81% | 7.90% | 6.96% | 7.80% | 6.24% | 3.23% | 3.96% | 4.11% | 4.11% | 4.00% | 3.82% |
| Category Rank | 348 / 970 | 737 / 965 | 781 / 962 | 760 / 958 | 777 / 953 | 763 / 929 | 755 / 878 | 744 / 865 | 622 / 796 | 598 / 743 | 509 / 721 | 432 / 625 | 383 / 558 | 345 / 486 |
| Quartile Ranking | 2 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 3 | 3 | 3 | 3 |
Monthly Return
| Return % | Aug | Sep | Oct | Nov | Dec | Jan | Feb | Mar | Apr | May | Jun | Jul |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Fund | 0.96% | 1.99% | 0.63% | 0.32% | -1.03% | 0.87% | 1.43% | -2.69% | 1.98% | 1.98% | 0.44% | -0.86% |
| Benchmark | 1.09% | 2.79% | 1.00% | -0.23% | -1.50% | 0.33% | 1.93% | -1.98% | 0.82% | 2.66% | 2.30% | -1.80% |
Best Monthly Return Since Inception
4.61% (April 2020)
Worst Monthly Return Since Inception
-3.93% (March 2020)
Calendar Return (%)
| Return % | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Fund | 1.48% | 3.13% | -1.54% | 8.81% | 7.45% | 3.90% | -10.75% | 6.82% | 8.09% | 5.43% |
| Benchmark | 0.39% | 3.81% | 5.53% | 6.30% | 9.09% | -0.49% | -11.13% | 6.74% | 11.56% | 6.36% |
| Category Average | 4.39% | 5.49% | -2.85% | 9.97% | 7.08% | 4.51% | -11.10% | 7.71% | 8.38% | 7.43% |
| Quartile Ranking | 4 | 4 | 2 | 3 | 2 | 3 | 3 | 3 | 3 | 4 |
| Category Rank | 417/ 436 | 421/ 498 | 229/ 576 | 455/ 675 | 271/ 729 | 497/ 781 | 427/ 824 | 649/ 867 | 687/ 916 | 768/ 943 |
Best Calendar Return (Last 10 years)
8.81% (2019)
Worst Calendar Return (Last 10 years)
-10.75% (2022)
Asset Allocation
| Name | Percent |
|---|---|
| Foreign Bonds - Funds | 30.43 |
| International Equity | 30.41 |
| US Equity | 13.28 |
| Canadian Bonds - Other | 11.54 |
| Foreign Government Bonds | 4.56 |
| Other | 9.78 |
Sector Allocation
| Name | Percent |
|---|---|
| Fixed Income | 53.68 |
| Mutual Fund | 28.16 |
| Technology | 3.88 |
| Financial Services | 1.92 |
| Healthcare | 1.91 |
| Other | 10.45 |
Geographic Allocation
| Name | Percent |
|---|---|
| Multi-National | 58.60 |
| North America | 38.66 |
| Europe | 1.75 |
| Asia | 0.50 |
| Latin America | 0.14 |
| Other | 0.35 |
Top Holdings
| Name | Percent |
|---|---|
| BMO Risk Reduction Fixed Income Fund Series I | 30.43 |
| BMO Risk Reduction Equity Fund Series I | 28.16 |
| BMO Core Plus Bond Fund ETF (ZCPB) | 11.54 |
| BMO Low Volatility US Equity ETF (ZLU) | 5.41 |
| BMO US Aggregate Bond Index ETF (Hdg) (ZUAG.F) | 4.27 |
| BMO S&P 500 Index ETF (ZSP) | 3.56 |
| BMO Short-Term US TIPS Index ETF (Hdg) (ZTIP.F) | 2.82 |
| BMO Mid-Term U.S. IG Corp Bond Hedged to CAD (ZMU) | 2.76 |
| BMO Long Short US Equity ETF (ZLSU) | 2.22 |
| BMO MSCI USA High Quality Index ETF (ZUQ) | 1.85 |
Equity Style
Fixed Income Style
Risk vs Return (3 Yr)
BMO Retirement Conservative Portfolio Series A
Median
Other - Global Fixed Inc Balanced
3 Yr Annualized
| Standard Deviation | 5.01% | 5.87% | 5.19% |
|---|---|---|---|
| Beta | 0.78 | 0.75 | 0.59 |
| Alpha | 0.00 | 0.00 | 0.01 |
| Rsquared | 0.73% | 0.71% | 0.46% |
| Sharpe | 0.61 | -0.04 | 0.26 |
| Sortino | 1.10 | -0.06 | 0.07 |
| Treynor | 0.04 | 0.00 | 0.02 |
| Tax Efficiency | 94.44% | 85.66% | - |
| Volatility |
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|
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Risk Rating
Annualized Key Ratio Period Comparison
| Key Ratio | 1 Yr | 3 Yr | 5 Yr | 10 Yr |
|---|---|---|---|---|
| Standard Deviation | 4.93% | 5.01% | 5.87% | 5.19% |
| Beta | 0.72 | 0.78 | 0.75 | 0.59 |
| Alpha | 0.01 | 0.00 | 0.00 | 0.01 |
| Rsquared | 0.74% | 0.73% | 0.71% | 0.46% |
| Sharpe | 0.76 | 0.61 | -0.04 | 0.26 |
| Sortino | 0.89 | 1.10 | -0.06 | 0.07 |
| Treynor | 0.05 | 0.04 | 0.00 | 0.02 |
| Tax Efficiency | 95.28% | 94.44% | 85.66% | - |
Fundata ESG Metrics
Fundata ESG Score
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
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
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
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.
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) | $1,632 |
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.
|
|---|---|
| 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 | 1.79% |
|---|---|
| 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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