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(NC)*Are you a risk-averse investor? Do you fear losing any of your initial investment? Do you rely on your investments as a source of fixed-income? Do you want an investment that provides the flexibility to redeem it should the need arise? If you answered yes to any of these questions, term investments would make an excellent addition to your portfolio.

Term investments, such as Guaranteed Investment Certificates (GICs) and term deposits, fully guarantee your initial investment and provide a stable, predictable rate of return. These types of investments can be converted into cash and are some of the safest investment options available.

There is a broad selection of term investment products to choose from to meet everyone's investment needs. Term investments are designed to help reach short-term financial goals, such as buying a car or planning a family vacation, as well as to add safety and diversity to your long-term investment portfolio. They are also good investment vehicles for Registered Retirement Savings Plans (RRSP), a Registered Education Savings Plan (RESP) or held in a Registered Retirement Income Fund (RRIF).

"Whether you are a novice or experienced investor, term investments are a smart and sound component of any well diversified portfolio," says Julie Sheen, Vice-President, BMO Term Investments. "And there is something for everyone. Your local bank branch can

help you to not only determine which products are best suited for you, but also what portion of term investments you should incorporate into your portfolio."

The important point to remember is that no matter what your investment objectives, every portfolio should have an element that is risk-free.

Information provided by BMO Bank of Montreal. For more information visit www.bmo.com.

- News Canada