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Save for any reason and access your money when you need itLegal Disclaimer1.

Open and fund your accountLegal Disclaimer2—we’ll take care of buying and managing your investments for you.

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What is a Non-Registered Account?

A non-registered account is a flexible investment account you can use to save as much as you want for any short- or long-term goal. At RBC InvestEase, the money you put in your non-registered account will be invested in a professionally-built portfolio of exchange-traded funds (ETFs) that we manage for you.

Highlights of a Non-Registered Account:

  • No rules or limits on contributions; however, contributions won’t reduce your taxable income
  • Withdraw your money to use for any reason
  • Invest for as long as you want—you don’t have to close your account at a certain age
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Benefits of an RBC InvestEase Non-Registered Account

  • A team to manage your investments
  • Simple, flexible way to invest
  • Advice when you need it

See How Easy It Can Be to Save for Your Future

At RBC InvestEase, we pick, buy and manage the investments in your non-registered account so you don’t have to.

The first step to opening an RBC InvestEase non-registered account is to share some info so that we can match you with the right professionally-built investment portfolio to hold in your account. We’ll ask you about:

  • Your investing timeframe
  • How much you plan to invest
  • Your feelings about risk

Your portfolio will contain low-cost exchange-traded funds (ETFs) and align with the goal and risk comfort level you share with us. All of our portfolios come with two options to select from—a Standard Portfolio and a Responsible Investing Portfolio. Learn more about our ETF portfolios.

After accepting your portfolio recommendation and choosing either the Standard or Responsible Investing Portfolio, you can finish opening your non-registered account and make your first deposit. You can start with any amount you’re comfortable with—we’ll automatically invest your money when your balance reaches $100 or moreLegal Disclaimer2.

To transfer money to your account or check your progress, simply log in to your RBC InvestEase dashboard. (If you’re an RBC client, you can also access your account from Online BankingLegal Disclaimer3 and the RBC Mobile appLegal Disclaimer3.) Plus, you can set up ongoing deposits (weekly, monthly, etc.) into your non-registered account to save without even having to think about it.

Our Portfolio Advisors will keep an eye on your investments and rebalance your portfolio as needed to help you stay on track toward your goal. Plus, you can reach out at any time if you have questions or need a little advice.

One of the best things about a non-registered account is that you can access your money for any reasonLegal Disclaimer1. After submitting your withdrawal request, it will take up to 5 to 7 business days for your funds to become available.

Learn more about how RBC InvestEase works.
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Non-Registered Account FAQs

No, contributions to a non-registered account are not tax-deductible and will not reduce your taxable income. The First Home Savings Account (FHSA) and Registered Retirement Savings Plan (RRSP) allow you to deduct contributions from your taxable income.

You can save for anything you want in a non-registered account at RBC InvestEase. When you need to use your savings, you can withdraw them for any reason.

There are no fees to withdraw funds from your non-registered account at RBC InvestEase.

If you’d like to withdraw funds from your account, sign in to RBC InvestEase and click on Move Money from the top menu and then select Withdraw.

Fees do apply if you decide to transfer funds from your RBC InvestEase accounts to an investment account held at another (non-RBC) financial institution.

A non-registered account at RBC InvestEase may be ideal if you want a simple and easy investing experience. Unlike do-it-yourself (DIY) investing, we pick, buy and manage the investments in your non-registered account for you, to give you professional advice and peace of mind. And the low-cost ETFs portfolios that we manage on your behalf means more time and savings for you.

That said, if you think you’ll need most of your investments in less than 2 years, RBC InvestEase may not be right for you, and you should consider other options such as GICs and term deposits which guarantee that your principal is protected against short-term market movements.

And while a non-registered account lets you save as much as you want for any reason, other accounts like the TFSA, FHSA, and RRSP offer tax advantages that a non-registered account does not. For this reason, you may wish to consider a non-registered account once you have maxed out your contribution room in all other registered plans you may be eligible for. Please consult a tax advisor if you have questions about your personal tax situation.

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Ready to Start Investing?

Get a professionally-built and managed investment portfolio without the work.

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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.