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InvestEase
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Save for a Home, Retirement or Just Because
Fund your accountLegal Disclaimer1 and we’ll take care of buying and managing your investments for you.
Tax-Free & Flexible
Tax-Free Savings Account (TFSA)
Save for absolutely anything in a TFSA and pay no taxes on earnings or withdrawals.Legal Disclaimer2
- Pay $0 tax on investment earningsLegal Disclaimer2
- Make up for missed contribution room
- Withdraw your money to use for any reasonLegal Disclaimer3
New!
First Home Savings Account (FHSA)
Save for your first home in an FHSA and pay no taxes on earnings or withdrawals.Legal Disclaimer2,Legal Disclaimer4
- Get tax deductions on annual contributionsLegal Disclaimer5
- Pay $0 tax on investment earningsLegal Disclaimer2
- Take advantage of both the RRSP Home Buyers’ Plan (HBP)Legal Disclaimer7 and an FHSA
For Retirement
Registered Retirement Savings Plan (RRSP)
Save for retirement in an RRSP to potentially enjoy tax benefits this year and in the future.
- Defer taxes on earnings until retirement
- Get tax deductions on annual contributionsLegal Disclaimer6
- Use funds towards your first homeLegal Disclaimer7 or to go to schoolLegal Disclaimer8
Most Flexible
Non-Registered Account
Save for any goal with a non-registered account that gives you flexible access to your money.
- Invest as much as you’d like
- Withdraw your money to use for any reason
Not sure what’s right for you? Looking for a different account?
Give us a call at 1-800-769-2531 and a Portfolio Advisor will be happy to help you. You can also explore available account types at RBC Royal Bank and RBC Direct Investing.
Benefits of an RBC InvestEase Account
- A professionally-built portfolio
- A team to manage your investments
- Advice when you need it
- Access on the RBC Mobile appLegal Disclaimer9
- Low fees to save you money
- Easy to set up ongoing deposits
FAQs
RBC InvestEase is a low cost, digital investment service that leaves investing to the pros.
Based on your answers to some simple online questions, we will provide an ETF portfolio that is tailored to meet your investor profile. We factor in items such as your risk tolerance, investment time horizon, and desire for responsible investing solutions.
Once you open and fund your account, our (human) Portfolio Advisors will build and manage your portfolio for you!
To make investing easy, InvestEase provides discretionary investment management, which simply means that we will make investment decisions on your behalf and ensure these decisions are made in alignment with the goals and information you provide us.
Our Portfolio Advisors are available to answer questions and provide you with personalized advice. They will monitor and rebalance your portfolio to keep you on track towards your goals - all for a low fee!
Applying for an InvestEase account takes minutes, and it is typically opened within 1 to 3 business days. Once opened, you can manage your account online and over the phone.
Yes, no problem! You can open an account with RBC InvestEase even if you don’t currently bank with RBC. Anyone can easily move money to an InvestEase account by depositing or transferring funds from another financial institution.
You can open an account with us at any time online, provided that you are located in Canada and meet the eligibility criteria. Here’s how:
- On our welcome page select Get Started.
- Answer some questions about yourself so we can understand your needs and recommend an investment plan.
- Select the account you want to open (TFSA, RRSP, FHSA, non-registered) and sign the account documents electronically to submit your application.
- A Portfolio Advisor will review your application and may call you to confirm that your investment plan and portfolio suit your needs. Once your account is open, log in to your dashboard (from the homepage, or from online or mobile banking) to manage your account, make deposits, withdrawals, update your information and access statements and tax documents. If you’re funding your account by making a transfer from another investment account, this is also where you will be able to provide us with those instructions.
You can call us at 1–800–769–2531 if you have more questions about opening an account.
You are eligible to open an RBC InvestEase account if:
- You’re a permanent resident in Canada (your Social Insurance Number must start with a number from 1 to 7)
- You’ve reached the age of majority in your province/territory
- You’re opening this account for yourself (and not acting as a Power of Attorney, Public Trust or on behalf of a third party)
- You’re the only person with financial interest in and exerting control over the assets in this account
Also, keep in mind that the specific account(s) you choose — Tax-Free Savings Account (TFSA), First Home Savings Account (FHSA), Registered Retirement Savings Plan (RRSP) or non-registered account—may have additional eligibility requirements.
As InvestEase portfolios are subject to market fluctuations, InvestEase is intended for clients who have a minimum investing timeline of at least two years. We don’t recommend opening an account through RBC InvestEase if you think you’ll need the majority of your savings within the next 2 years. RBC offers several short-term investment options, such as Term Deposits and GICs, which offer protection against market risk. Visit rbc.com/investing to learn more.
Yes! You can have multiple accounts at RBC InvestEase to save for each of your goals. For example, you could save for your retirement in a Registered Retirement Savings Plan (RRSP), your first home in a First Home Savings Account (FHSA), and anything you want in a Tax-Free Savings Account (TFSA) and/or non-registered account.
Our Portfolio Advisors can answer any questions you have about your RBC InvestEase investment portfolio, as well as general financial questions. Here are some examples of things you could ask a Portfolio Advisor:
- How can I better balance all my financial goals and priorities?
- My situation has changed—how can I update my investment plan?
- What account type will maximize my tax savings and investment growth?
- How is my portfolio risk impacting when I’ll reach my goals?
With InvestEase, you don’t need to make any decisions about which product to invest in. We will invest for you in a diversified portfolio of exchange-traded funds (ETFs) aligned to your goals.
We determine which of our ETF portfolios is best suited to you based on your answers to a few simple questions. You then have the option of selecting a standard or responsible investing version of your ETF portfolio.
Our Portfolio Advisors periodically review the ETFs used in InvestEase portfolios to ensure they meet a strict standard of suitability including, but not limited to, sufficient diversification.
Our Portfolio Advisors make decisions and manage the investment portfolio you hold in your TFSA, RRSP, FHSA or non-registered account(s). We keep an eye on your investments and rebalance your portfolio as needed to help you stay on track toward your goals.
You are responsible for things like making deposits to your account(s) (which we invest for you), updating pre-authorized contributions if you have them and keeping track of your available contribution room (if you hold a registered account). You must also let us know when things change in your life (e.g. change in employment or income) that might impact the portfolio we manage for you, so we can make sure your investments remain suitable for you and in your best interest.
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.
Legal Disclaimer1
Your money will not be invested until your account balance reaches $100 or more. Small balances (less than $1,500) may be allocated to a Small Balance portfolio that invests in a limited selection of RBC iShares ETFs and/or cash. Our Small Balance portfolios follow similar risk profiles to our Standard Portfolios while investing in fewer RBC iShares ETFs.
Legal Disclaimer2
Assets in a registered plan must be Qualified Investments under the Income Tax Act. If a registered plan holds non-Qualified Investments, it could be subject to tax.
Legal Disclaimer3
While you can take money out of a TFSA for any reason, your timing does depend on the investments you hold in it.
Legal Disclaimer4
Pay no taxes on “qualifying withdrawals” made under the First Home Savings Account registered plan for “first-time home buyers” buying a “qualifying home”. Conditions for making a “qualifying withdrawal” must be satisfied at the time of making a withdrawal from your FHSA, otherwise your withdrawal will be treated as a taxable withdrawal. For details see Canada Revenue Agency First Home Savings Account.
Legal Disclaimer5
Contribute up to $8,000 annually, plus up to $8,000 of unused contribution room from the previous year if you have it, up to a lifetime maximum of $40,000. Your available contribution room can be found at https://www.canada.ca/en/revenue-agency/services/e-services/e-services-individuals/account-individuals.html.
Legal Disclaimer6
There are contribution limits on RRSPs, and you must have earned income in prior years to accumulate contribution room. 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. To find out your contribution limit for the current year, check your most recent Notice of Assessment from the CRA.
Legal Disclaimer7
You can withdraw up to $60,000 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 five years after the funds were withdrawn. For details see Canada Revenue Agency Home Buyers’ Plan.
Legal Disclaimer8
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.
Legal Disclaimer9
RBC Mobile is operated by Royal Bank of Canada, RBC Direct Investing Inc. and RBC Dominion Securities Inc.
Registered Investment Account
Registered investment accounts offer unique tax advantages to help you save for the future. The features, benefits and rules for registered accounts are determined by the Government of Canada.
Registered Investment Plans
Registered investment plans offer unique tax advantages to help you save for the future. The features, benefits and rules for registered plans are determined by the Government of Canada.
With the federal government's Home Buyers' Plan, you can use up to $60,000 of your Registered Retirement Savings Plan (RRSP) savings ($120,000 for a couple) to help finance your down payment on a home.
To qualify, the RRSP funds you're using must be on deposit for at least 90 days. You must also provide a signed agreement to buy or build a qualifying home.
The best part is the withdrawal is not taxable as long as you repay it within a 15-year period. The payback amount is at least one-fifteenth a year of the amount you withdrew from your RRSP.
ETFs are designed to hold stocks and bonds in a single container. That container is a fund you can buy.
While they're similar to mutual funds, ETFs don't have investment minimums. Also, an ETF can offer more trading flexibility since it trades on an exchange (like a stock) throughout the day, with prices fluctuating continuously.
In the world of investing, balance is having the right mix of investments (or assets) in your portfolio to help reach your goals.
Over time, deposits, withdrawals and performance can cause your portfolio to drift from its original mix. To help keep your portfolio on track, we will buy or sell the appropriate exchange-traded funds (ETFs) to rebalance your portfolio.
An investment portfolio is a container that holds all your investments...like stocks, ETFs, mutual funds and cash.
At RBC InvestEase, our portfolios are made up of ETFs and cash.
An asset class is a grouping of investments that share similar features. Stocks (equities) and fixed income investments, such as bonds, are two of the main types of asset classes. Cash and cash equivalents is the third most common type of asset class.
The Management Expense Ratio (MER) includes a few different costs:
- Annual management fee: Paid to the fund manager for acting as a trustee and manager.
- Operating expenses: Covers fees to comply with regulatory requirements and fees payable to the ETF’s board of governors.
- Taxes: These are the sales taxes on management and administration fees charged to the fund.
Investment funds pay investment fund managers a fee for managing their funds. You are not directly charged the management fee. But, these fees affect you because they reduce the amount of the fund’s return to you. Information about management fees and other charges to your investment funds is included in the prospectus or fund facts document for each fund.
See our FAQs for a detailed explainer.
Régime de placement enregistré
Les régimes de placement enregistrés offrent des avantages fiscaux uniques qui vous aident à épargner pour l’avenir. Les caractéristiques, les avantages et les règles applicables aux régimes enregistrés sont établis par le gouvernement du Canada.
Régime de placement enregistré
Les régimes de placement enregistrés offrent des avantages fiscaux uniques qui vous aident à épargner pour l’avenir. Les caractéristiques, les avantages et les règles applicables aux régimes enregistrés sont établis par le gouvernement du Canada.
Grâce au Régime d’accession à la propriété du gouvernement fédéral, vous pouvez puiser jusqu’à 60 000 $ dans votre Régime enregistré d’épargne-retraite (REER) (120 000 $ pour un couple) pour effectuer la mise de fonds sur votre première maison.
Pour utiliser les fonds de votre REER, ceux-ci doivent y avoir été déposés depuis au moins 90 jours. Vous devez avoir signé un contrat d’achat ou de construction d’un logement admissible.
Le grand avantage de cette option est que le retrait n’est pas imposable à condition que vous le remboursiez dans un délai de 15 ans. Le montant du remboursement annuel doit être d’au moins un quinzième du montant retiré de votre REER.
À l’instar des piscines, les FNB sont des structures ou des contenants. Tandis que les parois de la piscine servent à contenir l’eau, les FNB servent à détenir des actions et des obligations au sein d’un même contenant. Ce contenant est en fait un fonds dont vous pouvez acheter des parts.
Les FNB ressemblent aux fonds communs de placement, sauf qu’ils ne requièrent aucun placement minimal. De plus, les FNB offrent davantage de souplesse au chapitre des opérations, car ils se négocient en bourse toute la journée, et les prix fluctuent constamment.
Vous savez que le fait de manger des fruits, des légumes, des protéines et des glucides sains favorise une alimentation équilibrée. Dans le monde des placements, on obtient cet équilibre en ayant une composition de l’actif qui aide à atteindre ses objectifs.
Au fil du temps, la composition de votre portefeuille peut changer en raison des dépôts, des retraits et des rendements. Pour vous aider à garder votre portefeuille sur la bonne voie, nous achèterons ou vendrons les FNB pertinents pour le rééquilibrer.
Une catégorie d’actifs est un regroupement de placements dont les caractéristiques sont semblables. Les actions (titres) et les placements à revenu fixe, comme les obligations, sont deux des principales catégories de titres. Les espèces et quasi-espèces sont la troisième catégorie de titres en importance.
Le portefeuille de placement est le contenant qui renferme tous vos placements… comme des actions, des FNB, des fonds communs de placement et des liquidités.
Les portefeuilles de RBC Investi-Clic sont composés de FNB et de liquidités.
Le ratio des frais de gestion (RFG) englobe plusieurs frais :
- Frais de gestion annuels : Rémunération payable au gestionnaire de fonds pour agir à titre de fiduciaire et de gestionnaire.
- Frais d’exploitation : Frais qui comprennent les frais liés au respect de la réglementation nationale et la rémunération payable au conseil des gouverneurs des FNB.
- Taxes : Taxes de vente applicables sur les frais de gestion et d’administration qui sont facturés à chaque fonds.
Les fonds de placement paient des frais aux gestionnaires de fonds. Ces frais de gestion ne vous sont pas facturés directement. Ils vous concernent toutefois, car ils viennent réduire le rendement de vos placements. Des renseignements sur les frais, dont les frais de gestion, sont fournis dans le prospectus ou le document Aperçu du fonds de chaque fonds.
Vous trouverez une explication plus détaillée dans notre FAQ.