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BMO InvestorLine - Contribute to your RSPBMO offers two types of retirement plans IRA certificates of deposit and premium savers. Contact us to decide which will help you meet your retirement. Looking for a lower-risk mutual fund that balances growth with protecting your investment? Find the BMO Retirement Portfolio that's right for you! Invest your retirement assets in BMO Guaranteed Investment Funds (GIFs). Take advantage of rising markets and count on a safety net during market downturns.