Retirement Services

BMO DC IQ™

Weekly Snapshot1

News Last Week

  • U.S. gross domestic product (GDP) expanded at a rate of 0.7% in the fourth quarter of 2015 and 2.4% for the entire calendar year.
  • Bank of Japan made an unprecedented move setting the countries first ever negative interest rate in hopes of spurring consumption and economic growth
  • S&P 500 posted its second consecutive positive week, yet finished the month of January down 5%
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  • Oil prices also posted a second weekly gain due to speculation that oil producing countries may be considering a cut in production
  • Corporate earnings were generally positive adding to investor confidence: Microsoft, McDonalds and Visa shares were up on higher than expected results, Amazon shares were down on lower than expected results
  • The Economic Sentiment Indictor (ESI) for the European Union, which reflects confidence levels from businesses in the region decreased in January to 106.7 but remains above its long-term average of 100

News Next Week

  • ADP employment report comes out on Wednesday
  • Bureau of Labor Statistics releases its Employment Situation report on Friday
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View Full Report
dciq-overview
BMO DC IQ™ Mar 20 Overview of a Nine-Part Framework

Introducing our nine-part series outlining a concise framework for analyzing retirement plan effectiveness. What constitutes a successful 401(k) plan? Since the inception of the...

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Plan Design

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BMO DC IQ™ Automatic Features (Part 1 of 3 on Plan Design) Apr 24

Five questions for plan sponsors about automated features and how these answers can lead to a more intelligently designed defined contribution plan.

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Professionals_1
BMO DC IQ™ Rollovers (Part 2 of 3 on Plan Design) Jun 19

Three steps plan sponsors can take to help their employees consolidate their retirement saving and make their financial goals more attainable.

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BMO DC IQ™ Investments (Part 3 of 3 on Plan Design) Aug 20

Three keys to constructing an investment menu that empowers plan participants, improves asset allocation and promotes plan utilization.

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Participant Utilization

401(k) Statement
BMO DC IQ™ Participation and Contribution Rates (Part 1 of 3 on Participant Utilization) Oct 20

Thoughtful design, combined with meaningful goals and focused communications can increase benefits to the plan sponsor as it boosts participation.

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BMO DC IQ: Investing Behavior
BMO DC IQ™ Investing Behavior (Part 2 of 3 on Participant Utilization) Dec 15

Combat behavioral biases and improve participant decision making with tailored communications strategies for each type of investor.

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BMO DC IQ™ Outflows (Part 3 of 3 on Participant Utilization) Feb 16

Five ways for plan sponsors to effectively limit outflows and help participants keep more of what they’ve saved.

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Operational Efficiency

dciq-banner-timeliness
BMO DC IQ™ Timeliness (Part 1 of 3 on Operational Efficiency) Apr 20

From contribution processing to call centers, operational timeliness standards can help strengthen a 401(k) plan while keeping it in compliance.

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dciq-banner-accuracy
BMO DC IQ™ Accuracy (Part 2 of 3 on Operational Efficiency) Jun 15

Seven steps a plan sponsor should take to reduce the potential for in-plan errors.

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dciq-banner-value
BMO DC IQ™ Value (Part 3 of 3 on Operational Efficiency) Aug 17

Twelve ways a recordkeeping partner can add value to a 401(k).

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BMO Global Asset Management is the brand name for various affiliated entities of BMO Financial Group that provide investment management and trust and custody services. Certain of the products and services offered under the brand name BMO Global Asset Management are designed specifically for various categories of investors in a number of different countries and regions and may not be available to all investors. Products and services are only offered to such investors in those countries and regions in accordance with applicable laws and regulations. BMO Financial Group is a service mark of Bank of Montreal (BMO).

BMO Asset Management U.S. consists of BMO Asset Management Corp., BMO Asset Management (Canada)® includes BMO Asset Management Inc., and LGM consists of the subsidiaries of LGM (Bermuda) Limited.

BMO Taft-Hartley Services, BMO Trust and Custody Services and BMO Trust Outsourcing Services are a part of BMO Global Asset Management and a division of BMO Harris Bank N.A., offering products and services through various affiliated entities of BMO Financial Group.

BMO Retirement Services was acquired by OneAmerica Retirement Services LLC on September 30, 2015 and is no longer a part of BMO Harris Bank N.A. or its affiliates. For more information about OneAmerica or the acquisition, visit www.oneamerica.com/newsroom.

1This presentation may contain targeted returns and forward-looking statements. “Forward-looking statements,” can be identified by the use of forward-looking terminology such as “may,” “should,” “expect,” “anticipate,” “outlook,” “project,” “estimate,” “intend,” “continue” or “believe” or the negatives thereof, or variations thereon, or other comparable terminology. Investors are cautioned not to place undue reliance on such returns and statements, as actual returns and results could differ materially due to various risks and uncertainties. This material does not constitute investment advice. It does not have regard to the specific investment objectives, financial situation and the particular needs of any specific person who may receive this report. Investors should seek advice regarding the appropriateness of investing in any securities or investment strategies discussed or recommended in this report and should understand that statements regarding future prospects may not be realized. Investment involves risk. Market conditions and trends will fluctuate. The value of an investment as well as income associated with investments may rise or fall. Accordingly, investors may receive back less than originally invested. Past performance is not necessarily a guide to future performance.

BMO Global Asset Management is the brand name for BMO Investment Distributors, LLC. BMO Asset Management Corp. is the investment adviser to the BMO Funds. BMO Fund platform services are offered by BMO Investment Distributors, LLC, the distributor for the BMO Funds. Member FINRA/SIPC.

All investments involve risk, including the loss of principal.

Investors should carefully consider the investment objectives, risks, charges and expenses of the BMO Funds. This and other important information is contained in the prospectuses and/or summary prospectuses, which can be obtained by calling 1-800-236-3863. Please read carefully before investing.

Investment advisory services in the United States are provided by BMO Asset Management Corp., Monegy, Inc., Lloyd George Investment Management Bermuda Limited , LGM Investments Limited, BMO Global Asset Management (Asia) Limited, Pyrford International Limited and Taplin, Canida & Habacht, LLC.

Investment advisory services in Canada are provided by BMO Asset Management Inc., BMO Asset Management Corp., Monegy, Inc., LGM Investments Limited, BMO Global Asset Management (Asia) Limited and Pyrford International Limited.

Financial promotions in the United Kingdom are provided by LGM Investments Limited and Pyrford International Limited. LGM Investments Limited and Pyrford International Limited are authorized and regulated by the Financial Conduct Authority in the United Kingdom.

Asset management services in Hong Kong are provided by BMO Global Asset Management (Asia) Limited, licensed by the Securities and Futures Commission to conduct regulated activity Type 9 - asset management under the Securities and Futures Ordinance.

This website is for informational purposes only and is not intended to provide a complete description of BMO Global Asset Management's products or services. Past performance is not indicative of future results. It should not be construed as investment advice or relied upon in making an investment decision. Information on this website does not constitute an offer for products or services, or a solicitation of an offer in any jurisdiction in which such solicitation or offer would be unlawful. Products and services can only be offered by appropriate representatives of the respective manager. Notice to residents of the United Kingdom: For the avoidance of any doubt, the information on this website does not constitute an offer for products or services to persons in the United Kingdom.

Please read the Privacy Policy and Legal Disclosures reached through links above for important information.

Investment products are: Not FDIC Insured — No Bank Guarantee — May Lose Value.

Copyright 2016. BMO Financial Corp. All Rights Reserved.

TM/® Trade-marks/registered trade-marks of Bank of Montreal, used under license.

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Thank you for your interest in BMO Global Asset Management.