Borrowing To Invest

Make the Most of Your RRSP and other Investments

Regardless of your life stage, contributing your full allowance to your Registered Retirement Savings Plan (RRSP) is one of the most important things you can do to secure your future. But there are times when it's hard to find all the money - and not just for this year. If you've missed making the full contribution in previous years, you may have a lot of room in your RRSP and you may now want to catch up.

Investing in Your RRSP with an RRSP Loan

We offer multiple investment options for your RRSP including, mutual funds, GICs, savings deposits and portfolio solutions. Whether you have unused RRSP contribution room from previous years or will only need to borrow once, an RRSP Loan can help you catch up, making sure you don't miss out on any of the tax-saving and investment growth opportunities so you can live the retirement lifestyle that you’re planning for.

Borrow up to $50,000 at rates as low as our Prime rate for a single year’s contribution or to catch up on missed contributions from previous years.

Plus, you can defer your first payment for 90 days and use your tax rebate to pay down your loan.

Use our RRSP Loan calculator to see how an RRSP loan can help your investments grow over time.

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Investing Outside Your RRSP with an RBC Royal Bank Personal Loan

Want to borrow so that you can invest in non-registered investments? Let us structure an RBC Personal Loan for you. Choose the repayment term that suits you and select either fixed or variable interest rates. Our wide range of payment options make it easy to pay off your loan. You can also pay more at any time without penalty - and even skip one payment each year.

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Your RRSP can be one of the most attractive investment opportunities of all. To make the most of your retirement savings, talk to an RBC Royal Bank credit specialist today.