As the digital age democratizes investing, a newer generation of investors are actively managing their own portfolios from their laptop or phone.
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generation → democratize → laptop
“What we’re seeing is a generation that’s investing earlier than their parents did, and doing it on their own terms,” said Barry Choi, a Toronto-based personal finance expert.
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Choi → see → terms
“They’ve grown up learning about money from a much wider range of places, and that’s made them more comfortable making financial decisions on their own.
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them → grow → own
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Whether the goal is a first home, planning for early retirement, or simply putting savings to work, newer investors have access to more information, research and investing tools than any generation before them, often from the same phone they use to manage the rest of their financial lives.
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they → plan → lives
And as investors take greater control of their portfolios, they’re also looking for more value, flexibility and support from the platforms they use.
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they → take → platforms
BMO InvestorLine is responding to these evolving expectations with changes designed to make investing more accessible and give Canadians more tools to manage their investments — here’s how.
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here → respond → investments
BMO InvestorLine brings $0 commission trading on stocks and ETFs to Canadians
As the first direct investing brokerage owned by one of Canada’s five largest banks to introduce $0 commissions on stock and ETF trades
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InvestorLine → bring → trades
, BMO InvestorLine is making investing more accessible for Canadians.
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investing → make → Canadians
That matters because lower costs can make it easier to start small, contribute regularly and put more of each dollar to work.
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it → matter → work
For someone investing a few hundred dollars at a time, trading commissions can make a meaningful difference.
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commissions → invest → difference
A $10 fee on a $200 investment, for example, means giving up five per cent before the investment has a chance to grow.
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investment → mean → chance
“When you’re starting out with smaller amounts, fees have an outsized impact,” said Choi.
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Choi → start → impact
“Removing that barrier means someone can actually invest what they intend to invest, instead of doing math around whether a trade is even worth it.”
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trade → remove → math
What’s different here is the scope — and that there’s no end date on it.
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’s → ’ → it
BMO InvestorLine recently rolled out unlimited $0 commission trades on all stocks and ETFs, while eliminating all brokerage account administration fees, including transfer fees and account minimum fees.
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InvestorLine → roll → fees
Plus, options trading costs dropped to $0.90 per contract, down from $1.25.
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costs → drop → 1.25
“When fees come down, it gives newer investors more flexibility in how they get started,” said Jessica Moorhouse, CFC™, QAFP®, a financial educator and author.
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Moorhouse → come → flexibility
“They can contribute smaller amounts more regularly, build good investing habits over time and keep more of their money working toward their goals.”
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They → contribute → goals
As fees become less of a barrier, access to professional research, decision-support tools becomes even more important for Canadians looking to grow their portfolio.
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access → become → portfolio
More tools mean more responsibility
Commission-free trading on stocks and ETFs, alongside easy-to-use apps, has opened the door to new investors, but that’s only the starting point of an investment journey.
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that → mean → journey
Having access to research, market commentary and company news from reputable providers and BMO Capital Markets, alongside AI-generated market summaries, can help investors better understand their options and make more informed decisions as they gain experience.
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they → have → experience
For Silvio Stroescu, president and CEO of BMO InvestorLine, that growing access makes confidence and understanding increasingly important.
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confidence → grow → InvestorLine
“The more engaged investors become, the better their questions get.
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questions → become → ?
They want to understand not only what they can invest in, but why, when, and how it fits their goals,” said Stroescu.
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Stroescu → want → goals
“Our job is to make sure the answers are there when they ask.”
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they → make → ?
Access to support
Even within a self-directed account, not everyone wants to go it entirely alone, and platforms are responding.
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platforms → direct → it
BMO InvestorLine’s adviceDirect, for instance, pairs online investing with access to personalized advice, allowing clients to consult with a licensed advisor when they would like additional support.
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they → pair → support
Investors who are already comfortable with the markets and know their own risk tolerance often have more specialized needs.
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who → know → needs
BMO Active Trader offers a different kind of value: advanced technical charts, expanded watchlists, and enhanced analytics tools, all in one customizable workspace.
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Trader → offer → workspace
And for investors looking to try a new strategy or become more familiar with the platform, Paper Trading provides an opportunity to practice in a simulated environment before putting real capital to work.
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Trading → look → work
Whether an investor wants a second opinion or deeper market analysis, a platform should meet them where they are — and keep meeting them as that changes, with an established financial institution behind it.
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that → want → it
The Aporia
