How Our Pros Invest for You
To meet your goals, your investment portfolio will hold a diverse mix of asset classes.
What's an asset class?
Based on your needs, you can hold your investment portfolio in a TFSA, RRSP or non-registered account.
What's an investment portfolio?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.
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:
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 $5,500 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 home1 or pay for your or your spouse’s education2
- 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
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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. And if you’re ready, start investing with just $1,000.
Get StartedAt this time, RBC InvestEase is only available to residents of Alberta, Ontario and Saskatchewan who are 18 years old and over.
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.
The services provided by RBC InvestEase are only available in Alberta, Ontario and Saskatchewan. If you are not currently a resident in Alberta, Ontario or Saskatchewan, you should not access the information available through this digital service.
The services provided by RBC InvestEase are only available in Alberta, Ontario and Saskatchewan. If you are not currently a resident in Alberta, Ontario or Saskatchewan, you should not access the information available through this digital service.
Legal Disclaimer1
You can withdraw up to $25,000 from your RRSP to buy your first home under the Home Buyers’ Plan. The funds must have been on deposit at least 90 days before you withdrew them, and a signed agreement to buy or build a qualifying home is required. At least 1/15 of the funds must be repaid each year, beginning two years after the funds were withdrawn. For details see Canada Revenue Agency Home Buyers’ Plan.
Legal Disclaimer2
Under the Lifelong Learning Plan, you can withdraw up to $10,000 per calendar year for your own or your spouse's full-time training or post-secondary education. The total amount that can be withdrawn is $20,000 each with withdrawals over a maximum of four consecutive years. At least 10% of the amount borrowed must be repaid each year, over a maximum period of 10 years.