Connect BMO InvestorLine to Mozaic: your InvestorLine positions alongside everything else.

InvestorLine comes in through Plaid, as its own institution

BMO InvestorLine is one of the Canadian bank-owned brokerages an aggregator can actually reach, and the route is Plaid, which carries it as its own institution rather than as part of BMO Online Banking. When you add it in Mozaic, search for InvestorLine and pick the entry named BMO Bank of Montreal - InvestorLine (Self-Directed), which is how Plaid lists it. Then enter your InvestorLine sign-in details in Plaid's secure window. What Mozaic gets back is a read-only access token. Mozaic never sees or stores your password, and nothing in the connection can place a trade or move cash.

The detail worth knowing before you start is that InvestorLine is not part of your BMO Online Banking connection. BMO runs the brokerage on a different system, so Plaid lists it as a separate institution rather than folding it into your BMO Online Banking connection. So a complete BMO picture in Mozaic is two connections: BMO Online Banking for chequing, savings, credit cards, the Homeowner ReadiLine and mortgages, and BMO InvestorLine for the brokerage accounts. Each refreshes on its own schedule. Mozaic composes both into one net-worth line, so the split is a setup step rather than something you keep seeing.

Registered, non-registered, and the locked-in ones

InvestorLine Self-Directed carries close to the full Canadian account shelf, and Mozaic reads what Plaid exposes on your login. On the tax-sheltered side that means TFSA, RRSP, FHSA, RESP, RRIF, LIF, and LIRA. On the taxable side it means non-registered cash and margin accounts. Each account keeps its registered status as it arrives, which is what lets Mozaic filter by tax treatment without you re-labelling anything by hand.

The locked-in accounts are the ones people most often lose track of. A LIRA from a previous employer tends to sit at whichever institution the pension administrator picked, gets no monthly statement anyone reads, and quietly falls out of the mental math. If yours landed at InvestorLine, it arrives with everything else here and counts toward your net worth on the same line as the accounts you actually watch.

The second connection, the margin line, and what settles when

The two-connection setup is the one that surprises people. If you connect BMO Online Banking and stop there, your InvestorLine holdings are simply absent, and the gap is easy to misread as a sync failure. Add BMO InvestorLine as its own connection and the brokerage accounts appear beside the banking ones. Both show up in your Mozaic accounts list under their own names, so you can tell at a glance which half is which.

The margin loan is the one thing to hold loosely. Mozaic's liability tracking is built around credit cards, student loans, mortgages, and other loans, so a brokerage margin loan does not currently get its own debt line. If you borrow on margin, the account balance is where that shows up, and it is worth checking against InvestorLine directly before you read a net-worth number as final.

Settlement sets the floor on how fresh anything can be. Canadian equities settle the next business day, so a trade you place this afternoon becomes part of your holdings once InvestorLine itself books it, not the moment the order fills. Mozaic syncs daily and lets you run a sync from the Accounts page, but neither can show a position the broker has not settled yet. For net-worth tracking that lag is the safer default.

InvestorLine sits in a bigger picture once it's connected

The point of connecting InvestorLine is not to see your InvestorLine balance. BMO shows you that already. The point is to see InvestorLine alongside everything else: the BMO chequing where the paycheque lands, the Wealthsimple TFSA you opened for the simpler interface, the LIRA from a job you left in 2019, and the credit card whose balance moves faster than any of them. Mozaic composes them into one net-worth line in your reporting currency, runs the cash-flow narrative across the whole picture, and tracks goals against the accounts that actually fund them.

Being able to hold the brokerage and the bank under one institution is one of InvestorLine's genuine advantages. It stops being an advantage the moment the rest of your money lives somewhere else, which for most people it does. The broker is the start of the story. The rest is what your money is doing across institutions.