What happens when an aging population reshapes an entire nation’s financial future? In this episode, Alain Desbiens joins host Michelle Allen to unpack how Canada’s demographic shift is transforming retirement planning, creating new challenges—and long‑term opportunities—for today’s investors.

Michelle Allen is Senior Associate, Online Distribution at BMO Exchange Traded Funds and Alain Desbiens is Vice Chair of BMO Exchange Traded Funds. This episode was recorded live on Tuesday, February 10, 2026.

ETFs mentioned:

· BMO Asset Allocation ETFs

· BMO Conservative ETF (ZCON)

· BMO Balanced ETF (ZBAL)

· BMO Growth ETF (ZGRO)

· BMO All-Equity ETF (ZEQT)

· BMO Covered Call Canadian Banks ETF (ZWB)

· BMO Canadian High Dividend Covered Call ETF (ZWC)

· BMO US High Dividend Covered Call ETF (ZWH)

· BMO Covered Call Dow Jones Industrial Average Hedged to CAD ETF (ZWA)

· BMO Europe High Dividend Covered Call Hedged to CAD ETF (ZWE)

· BMO Global High Dividend Covered Call ETF (ZWG)

· BMO Covered Call US Banks ETF (ZWK)

· BMO Covered Call Utilities ETF (ZWU)

· BMO Covered Call Health Care ETF (ZWHC)

· BMO Covered Call Technology ETF (ZWT)

· BMO Balanced ETF (Target Cash Flow Units) (ZBAL.T)

· BMO Growth ETF (Target Cash Flow Units) (ZGRO.T)

Sources:

ETF Flows, according to the National Bank Report, December 2025

Retirement Is Getting Longer. Your Portfolio Should Too.

Stats Canada

Press Release - February 12, 2026 - BMO Expands ETF Lineup with New Target Cash Flow Units

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