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How Our Pros Invest for You
Your hard-earned money is invested in a portfolio of low-cost ETFs and cash.
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To meet your goals, your investment portfolio will hold a diverse mix of asset classes.
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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 windowHow 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
At RBC InvestEase, your investment portfolio will include the ideal mix of fixed income and equity ETFs and cash to meet your financial goals and tolerance for risk.
Learn more about the ETFs we use in our portfolios:
- iShares Core Canadian Short Term Bond Index ETF (opens PDF in a new window)
- iShares Core Canadian Universe Bond Index ETF (opens PDF in a new window)
- iShares Global Government Bond Index ETF (CAD-Hedged) (opens PDF in a new window)
- iShares Core S&P/TSX Capped Composite Index ETF (opens PDF in a new window)
- iShares Core S&P 500 Index ETF (opens PDF in a new window)
- iShares Core MSCI EAFE IMI Index ETF (opens PDF in a new window)
- iShares Core MSCI Emerging Markets IMI Index ETF (opens PDF in a new window)
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
At RBC InvestEase, your investment portfolio will include the ideal mix of fixed income and equity ETFs and cash to meet your financial goals and tolerance for risk.
Learn more about the ETFs we use in our portfolios:
- iShares ESG Canadian Short Term Bond Index ETF (opens PDF in a new window)
- iShares ESG Canadian Aggregate Bond Index ETF (opens PDF in a new window)
- iShares Global Government Bond Index ETF (CAD-Hedged) (opens PDF in a new window)
- iShares ESG Aware MSCI Canada Index ETF (opens PDF in a new window)
- iShares ESG Aware MSCI USA Index ETF (opens PDF in a new window)
- iShares ESG Aware MSCI EAFE Index ETF (opens PDF in a new window)
- iShares ESG Aware MSCI Emerging Markets Index ETF (opens PDF in a new window)
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
Please review the items below to continue.
- Go to the field: Age (You must be over the age of 18 to use RBC InvestEase.)
- Go to the field: I Want to Invest for (You must choose an item from the list.)
Ready to Grow Your Money?
Create your personalized investment plan now.
Get Started and create your personalized investment plan now Not Ready Yet to create your personalized investment plan now (opens in a modal window)?The services provided by RBC InvestEase are only available in Canada.