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BMO LifeStage Plus 2025 Fund Series A

2025 Target Date

FundGrade E Click for more information on Fundata’s FundGrade

FundGrade E

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

Fundata ESG Grade E

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FundGrade A+® Rating Recipient

FundGrade A+® Rating Recipient

2012

Click for more information on Fundata’s FundGrade

NAVPS
(07-18-2024)
$12.40
Change
$0.00 (-0.01%)

As at June 30, 2024

As at June 30, 2024

As at February 29, 2024

Period
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Legend

BMO LifeStage Plus 2025 Fund Series A

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Fund Returns

Inception Return (June 18, 2007): 1.25%

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 0.36% 0.93% 1.34% 1.34% 3.61% 1.69% -0.98% -1.10% 0.46% 1.33% 1.49% 1.80% 1.94% 2.28%
Benchmark 0.56% 0.18% 3.20% 3.20% 8.38% 7.73% 2.57% 5.85% 5.21% 5.29% 5.40% 5.47% 5.12% 4.83%
Category Average 0.75% 3.41% 3.41% 3.41% 7.41% 6.39% 1.32% 3.39% 3.41% 3.56% 3.62% 3.93% 3.65% 3.82%
Category Rank 25 / 26 20 / 26 26 / 26 26 / 26 26 / 26 26 / 26 25 / 25 21 / 21 20 / 20 19 / 19 16 / 18 11 / 14 10 / 14 10 / 13
Quartile Ranking 4 4 4 4 4 4 4 4 4 4 4 4 3 4

Monthly Return

Monthly Return
Return % Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun
Fund -0.04% 0.36% -0.01% 0.51% 0.85% 0.57% -0.04% 0.17% 0.27% 0.12% 0.45% 0.36%
Benchmark 0.93% -0.84% -3.01% -1.57% 6.01% 3.69% -0.31% 0.82% 2.49% -1.88% 1.52% 0.56%

Best Monthly Return Since Inception

4.27% (March 2009)

Worst Monthly Return Since Inception

-9.07% (September 2008)

Calendar Return (%)

Calendar Return
Return % 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023
Fund 10.93% 0.69% 5.29% 4.84% -3.35% 12.78% 4.48% -2.84% -5.59% 2.47%
Benchmark 9.98% -3.02% 11.97% 6.22% -4.30% 15.62% 7.61% 11.90% -8.20% 9.43%
Category Average 7.91% 2.21% 4.79% 6.45% -2.30% 10.77% 8.00% 5.31% -8.27% 6.81%
Quartile Ranking 2 4 2 4 4 3 4 4 1 4
Category Rank 6/ 13 13/ 14 5/ 14 14/ 18 17/ 19 13/ 20 20/ 20 22/ 23 5/ 26 26/ 26

Best Calendar Return (Last 10 years)

12.78% (2019)

Worst Calendar Return (Last 10 years)

-5.59% (2022)

Asset Allocation

Asset Allocation
Name Percent
Canadian Government Bonds 67.44
Cash and Equivalents 32.56

Sector Allocation

Sector Allocation
Name Percent
Fixed Income 67.44
Cash and Cash Equivalent 32.56

Geographic Allocation

Geographic Allocation
Name Percent
North America 100.00

Top Holdings

Top Holdings
Name Percent
Quebec Province 5.35% 01-Jun-2025 17.40
Hydro-Quebec 15-Feb-2025 15.41
Ontario Province 02-Jun-2025 13.00
Ontario Electricity Fncl Corp 8.50% 26-May-2025 12.58
Ontario Province 2.60% 02-Jun-2025 11.13
Ontario Province 02-Dec-2024 9.49
Hydro-Quebec 15-Aug-2025 6.17
Manitoba Province 05-Mar-2025 4.82
Quebec Province 01-Dec-2025 2.99
Manitoba Province 05-Sep-2025 2.96

Equity Style

Equity style data not available

Fixed Income Style

Average Duration: S. Average Credit Quality: M.
Period: 

Risk vs Return (3 Yr)

BMO LifeStage Plus 2025 Fund Series A

Median

Other - 2025 Target Date

3 Yr Annualized

Standard Deviation 2.54% 2.95% 4.06%
Beta 0.13% 0.13% 0.27%
Alpha -0.01% 0.00% 0.01%
Rsquared 0.25% 0.22% 0.31%
Sharpe -1.56% -0.54% 0.21%
Sortino -1.50% -1.01% -0.23%
Treynor -0.29% -0.12% 0.03%
Tax Efficiency - 100.00% 100.00%
Volatility Volatility rating is 1 on a scale of 1 to 10 Volatility rating is 1 on a scale of 1 to 10 Volatility rating is 1 on a scale of 1 to 10

Risk Rating

Rating 1 out of ten

Annualized Key Ratio Period Comparison

Key Ratio
Key Ratio 1 Yr 3 Yr 5 Yr 10 Yr
Standard Deviation 0.95% 2.54% 2.95% 4.06%
Beta 0.07% 0.13% 0.13% 0.27%
Alpha 0.03% -0.01% 0.00% 0.01%
Rsquared 0.45% 0.25% 0.22% 0.31%
Sharpe -1.37% -1.56% -0.54% 0.21%
Sortino 1.10% -1.50% -1.01% -0.23%
Treynor -0.18% -0.29% -0.12% 0.03%
Tax Efficiency 100.00% - 100.00% 100.00%

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 June 18, 2007
Instrument Type Mutual Fund (Wrap Program)
Share Class Commission Based Advice
Legal Status Trust
Sales Status Open
Currency CAD
Distribution Frequency Annual
Assets ($mil) $95

Fund Codes

FundServ Code Load Code Sales Status
BMO412
BMO70412

Investment Objectives

This fund’s objective is to provide the opportunity for capital appreciation during the term of the fund by investing in mutual funds, fixed income securities and cash equivalents. The percentage allocated to each of these asset classes from time to time will be determined by the fund’s asset allocation strategy.

Investment Strategy

These are the strategies the portfolio manager uses to try to achieve the fund's objective: holds a portfolio consisting of a Mutual Fund Component and/or a Fixed Income Component: the Mutual Fund Component invests in securities of other mutual funds, which may include mutual funds that are managed by us or one of our affiliates, and cash equivalents.

Portfolio Manager(s)

Name Start Date
Steven Shepherd 09-01-2014
Robert Armstrong 07-26-2018
Bank of Montreal 09-25-2019

Management and Organization

Fund Manager BMO Investments Inc.
Advisor BMO Asset Management Inc.
Custodian State Street Trust Company Canada
Registrar BMO Investments Inc.
Distributor BMO Investments Inc.
Auditor PriceWaterhouseCoopers LLP

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 1.43%
Management Fee 1.05%
Load No Load
FE Max -
DSC Max -
Trailer Fee Max (FE) -
Trailer Fee Max (DSC) -
Trailer Fee Max (NL) 0.75%
Trailer Fee Max (LL) -

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