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BMO SmartFolio - Let your money do the hard workSign in to BMO SmartFolio � Member - Canadian Investor Protection Fund � Know Your Advisor: CIRO Advisor Report � Member of the Canadian Investment Regulatory. BMO SmartFolio is a digital investment management service offered by Canada's Bank of Montreal. Broadly referred to as a robo-advisor. Mutual funds are a simple way to diversify your portfolio and benefit from professional investment management. Whatever your goal is, BMO has a fund to.