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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.

What’s an ETF? (opens modal window)

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 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

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%-0.18%)
  • Professionally rebalanced and managed by RBC InvestEase

Open Your Account with RBC InvestEase

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 0.19%-0.32%)
  • Professionally rebalanced and managed by RBC InvestEase

Learn more about responsible investing

Open an Account with RBC InvestEase

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

Ready to Grow Your Money?

Get Started with RBC InvestEase

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Legal Disclaimer
RBC InvestEase is a restricted portfolio manager providing access to model portfolios consisting of RBC iShares ETFs with each model portfolio holding up to 100% of RBC iShares ETFs. RBC iShares ETFs are comprised of RBC ETFs managed by RBC Global Asset Management Inc. (RBC GAM) and iShares ETFs managed by BlackRock Canada Limited (BlackRock Canada). RBC GAM and BlackRock Canada have entered into a strategic alliance to bring together their respective ETF products under the RBC iShares brand, and to offer a unified distribution support and service model for RBC iShares ETFs.

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 Canada.