Skip to main content

How Our Pros Invest for You

Your hard-earned money is invested in a portfolio of low-cost ETFs and cash.

What's an ETF? opens in a modal window

To meet your goals, your investment portfolio will hold a diverse mix of asset classes.

What's an asset class? opens in a modal window

Based on your needs, you can hold your investment portfolio in a TFSA, RRSP or non-registered account.

What's an investment portfolio? opens in a modal window

How We Create Your Portfolio

The ETFs (and cash) we recommend for your portfolio will depend on your answers to our short online questionnaire. For example, if you’re investing for retirement and have 30 years to save, we’ll recommend a different portfolio than if you’re investing for a new car and need the money in 5 years.

ETFs are flexible investments that offer a range of benefits, including:

  • Diversification (a strategy used to reduce risk by holding securities across a variety of issuers, asset types, sectors, industries and geographies);
  • Lower fees than mutual funds;
  • Liquidity, which means they are easily bought and sold.

Discover Which One is The Best Fit for You

Standard Portfolios

Our Standard Portfolio is appropriate for those who want to achieve their future goals and are primarily focused on minimizing their fees.

  • Globally diversified and built with low cost, passive ETFs
  • Low fees (management fee of just 0.5% per year on your investment balance, plus a weighted average management expense ratio (MER) of 0.11%-0.22%)
  • Professionally rebalanced and managed by RBC InvestEase

Get Started with Standard Portfolios

Responsible Investing Portfolio

Our Responsible Investing Portfolio is appropriate for those who want to achieve their future goals and make a positive impact on the world.

  • Globally diversified and built with low cost, passive ETFs with an in-depth environmental, social, and governance (ESG) integrated assessment
  • Excludes companies involved in tobacco, controversial weapons, civilian firearms, and other companies involved in severe controversies
  • Low fees (management fee of just 0.5% per year on your investment balance, plus a weighted average management expense ratio (MER) of 0.18%-0.30%)
  • Professionally rebalanced and managed by RBC InvestEase

Get Started with Responsible Investing Learn more about Responsible investing

You Choose Your Account(s)

You can hold your investment portfolio in one or more of the following account types. (We'll be rolling out additional account types soon.)

Tax-Free Savings Account (TFSA)

Save for emergencies, a home, retirement and more without paying tax on the money you earn.

  • Use for short or long-term goals
  • Capital Gains in your TFSA are never taxed
  • Withdraw funds at any time without being taxed
  • Contribute up to $6,000 in a year, plus unused contribution room you have from any prior year(s)
  • You can open more than one TFSA, but your contribution limit is the same whether you hold one or multiple TFSAs

Registered Retirement Savings Plan (RRSP)

Designed for retirement savings, an RRSP offers tax benefits now and in the future.

  • Reduces your taxable income
  • Ideal if you don’t need access to your investments until you retire
  • Borrow from it to buy your first homeLegal Disclaimer 1 or pay for your or your spouse’s educationLegal Disclaimer 2
  • Contribute (per year) the lower of 18% of your earned income from the prior year, the maximum limit for the current tax year, or the remaining limit after any contributions you’ve made to a company-sponsored pension plan
  • You can open more than one RRSP, but your contribution limit is the same whether you hold one or multiple RRSPs

Non-Registered Investment Account

Save for any goal in a flexible account that gives you easy access to your money.

  • Contribute as much as you want and withdraw money when needed
  • Use for short or long-term goals
  • Does not reduce your taxable income and earnings in your account may be taxed

Questions?


Legal Disclaimer
RBC InvestEase Inc. provides online discretionary investment management services. Other products and services may be offered by one or more separate corporate entities that are affiliated to RBC InvestEase Inc., including without limitation: Royal Bank of Canada, RBC Direct Investing Inc., RBC Dominion Securities Inc., RBC Global Asset Management Inc., Royal Trust Corporation of Canada and The Royal Trust Company. RBC InvestEase Inc. is a wholly-owned subsidiary of Royal Bank of Canada and uses the business name RBC InvestEase. In addition, the RBC iShares ETFs in which RBC InvestEase Inc. clients invest are managed by BlackRock Asset Management Canada Limited. RBC Global Asset Management Inc. and BlackRock Asset Management Canada Limited have entered into a strategic alliance to bring together their respective ETF products under the RBC iShares ETF brand, and to offer a unified distribution support and service model for RBC iShares ETFs.

The services provided by RBC InvestEase are only available in Canada.