With an RBC RRIF, your investment options are basically the same as for your RRSPs. An RBC advisor can work with you to help you choose the investments that are right for you:
If you want your investments to benefit from diversification and professional money management, then RBC Funds® could be the right choice for you.
RBC Funds are managed by RBC Asset Management Inc.®, Canada's largest mutual fund family.
The broad range of funds provides access to a wide selection of mutual funds and portfolio solutions, spanning all asset classes, geographies and investment styles including tax-efficient, currency–neutral, and socially responsible investment options.
Key Benefits of RBC Funds:
An RBC GIC could be ideal for your RRIF if you want to invest for a specific term at a guaranteed rate without risking your initial investment. Your investment earns interest at a fixed rate. In general, GICs with longer terms earn higher interest rates.
Key Benefits of RBC GICs(1):
Similar to a regular savings account, the RBC Savings Deposit is particularly useful as a temporary solution if you are not ready to make a long–term investment decision.
Key Benefits of the Savings Deposit:
Throughout your life, many opportunities will arise that have financial implications. An RBC advisor will help you to better understand the issues and make the best financial choices.
Financial planning services and investment advice are provided by Royal Mutual Funds Inc. (RMFI). RMFI, RBC Global Asset Management Inc., Royal Bank of Canada, Royal Trust Corporation of Canada and The Royal Trust Company are separate corporate entities which are affiliated. RMFI is licensed as a financial services firm in the province of Quebec.
There may be commissions, trailing commissions, management fees and expenses associated with mutual fund investments. Mutual funds are not guaranteed or covered by the Canada Deposit Insurance Corporation or by another government deposit insurer. For funds other than money market funds, unit values change frequently. For money market funds, there can be no assurances that a fund will be able to maintain its net asset value per security at a constant amount or that the full amount of your investment in a fund will be returned to you. Past performance may not be repeated. Please read the prospectus before investing.1) Benefits listed are not applicable for all types of GICs.
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