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Save for a Home, Retirement or Just Because
Fund your account with any amount you wantLegal 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
- Access your money anytime, 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 Disclaimer4,Legal Disclaimer5
- Contribute up to $8,000 a year tax-free, up to a lifetime limit of $40,000Legal Disclaimer2. Pay $0 tax on investment earningsLegal Disclaimer4
- Take advantage of both the Home Buyers’ Plan (HBP) and an FHSA
For Retirement
Registered Retirement Savings Plan (RRSP)
Save for retirement in an RRSP to enjoy tax benefits now and in the future.
- Defer taxes on earnings until retirement
- Get tax deductions on annual contributions
- Use funds to buy first homeLegal Disclaimer7 or go to schoolLegal Disclaimer8
Most Flexible
Non-Registered Account
Save for any goal with a non-registered account that gives you easy access to your money at any time.
- Invest as much as you’d like
- Ideal if you are not eligible for, or have already maxed out, your registered accounts
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 team to manage your investments
- A professionally-built portfolio
- 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 an online investment management service that simplifies investing and adds the expertise of real advisors leaving all the investing work to us.
We provide you with an investment plan based on your answers to a few questions. We’ll invest your money in a portfolio of carefully-selected ETFs on your behalf, and our accredited advisors keep an eye on them to help you stay on track.
Yes, no problem! You can open an account with RBC InvestEase even if you don’t currently bank with RBC. Also, you can easily move money to your account by transferring funds or investments from another financial institution.
You can open an account with us at any time online provided that you 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.
- If you’re happy with the recommendation, you can open an account online in just a few quick steps.
- A Portfolio Advisor may call you to confirm that your investment plan and portfolio suit your needs.
- Once your account is open, log in to your dashboard and make your first deposit to start investing.
You can call us at 1–800–769–2531 if you have more questions about opening an account.
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 plans 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 withdrawals, as long as they are used to buy a qualifying home. A qualifying home is defined as a housing unit in Canada that you partially or fully own. Co-operatives that only provide tenancy would not qualify.
Legal Disclaimer5
A first-time homebuyer is someone who has never owned a home. If you and/or your spouse or common-law partner have not lived in a home that you own this year or the past four calendar years, you are a first-time homebuyer under FHSA rules.
Legal Disclaimer6
Contribute up to $8,000 annually, plus up to $8,000 unused contribution room from previous years if you have it, up to a lifetime maximum of $40,000.
Legal Disclaimer7
You can withdraw up to $35,000 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 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 $35,000 of your Registered Retirement Savings Plan (RRSP) savings ($70,000 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 35 000 $ dans votre Régime enregistré d’épargne-retraite (REER) (70 000 $ 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.