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Are you getting the full story on your investments?

If fees are the only story you’re being told, you may not like the ending.

Performance, Advice and ­­Fees All Matter

Some say that low fees alone can make you wealthier. While every dollar you keep can add up, it’s only one part of the story. In reality, performance after fees and the right advice can help make a big difference in building your wealth over time.

How Performance Affects Wealth

In order for your money to grow, your investments need to perform well. When you look at just fees without also considering performance, you may pay less, but you may also earn less. It’s important to look at your actual investment earnings—after fees. Here are a couple things to consider:

If you compare two portfolio solutions or mutual funds that deliver the exact same performance, year over year, then fees are an important differentiator. However, if you have a low-fee investment solution that provides below-average returns—and your fee savings isn’t enough to make up the difference over time—you may want to consider other options.

If you want to compare growth for two similar portfolio solutions or mutual funds, be sure to look at the lifetime performance for each—from inception to current day for different risk profiles. There are financial websites that will let you do free searches on the historical performance for funds.

The RBC Difference

A Track Record of Performance

Benefit from RBC Global Asset Management’s award-winningDisclaimer1 team and 62-year history of managing money.

Let’s compare how our RBC Select Balanced Portfolio fund has performed against its industry peer groupDisclaimer2:

Source: RBC GAM, Morningstar. Data from March 1, 2001 to February 28, 2021. RBC Select Balanced Portfolio Series A returns for 1-yr: 13.3%, 3-yr: 6.8%, 5-yr: 7.6%, 10-yr: 6.7%. Canada Fund Global Neutral Balanced category average return for 1-yr: 9.6% (1,574 funds), 3-yr: 5.5% (1,258 funds), 5-yr: 6.5% (1,105 funds), 10-yr: 5.8% (456 funds)

Award-winning investment management

RBC Global Asset Management is an 11-time winner of the Lipper Best Overall Group award and was recognized for investment excellence in multiple categories at the Refinitiv Lipper Fund Awards 2020 Canada(Open in new window).Disclaimer1

Refinitiv Lipper Fund Awards 2020 Winner Canada

Actively-managed portfolio solutions

Our portfolios are carefully built using underlying funds from RBC Global Asset Management. They are actively monitored and rebalanced to not only take advantage of short-term market opportunities, but to also position the portfolios for long-term success.

Not content with status quo

We are constantly looking for ways to achieve better investor outcomes and we embrace innovation in a world of rapidly-changing financial markets and investment options.

How Advice Affects Wealth

Whether you want to buy a home, pay for your child’s post-secondary studies or enjoy a comfortable retirement, the value of having a professional in your corner can be priceless. Studies have shown that Canadian investors who work with an advisor as measured over a specific time period had almost 4 times the financial assets of investors who didn’t work with an advisor over that same 15-year periodDisclaimer3:

Graph showing results of investiors with and without an advisor

Source: The Gamma Factor and the Value of Financial Advice, Claude Montmarquette, Natalie Viennot-Briot, 2016

The RBC Difference

Personalized Advice on Your Terms

We have one of Canada’s largest groups of registered advisorsDisclaimer4, offering tailored advice to help meet your goals.

One-on-one advice

We get to know you—looking at your finances, goals and feelings about risk—to help you choose the right investments for your particular circumstances.

Not just investments

We offer a range of solutions and services to help with your evolving financial needs, including retirement, estate, tax planning and more.

Access to MyAdvisor

Available exclusively to RBC clients at no extra cost, MyAdvisor(Open in new window) provides a balance of a digital platform with human advice when you need it.

Convenience

You can meet with an RBC advisor over video chat (through MyAdvisor), by phone or in person to review your savings and investments, talk strategy or get answers to your questions.

How Fees Affect Wealth

Like other things that offer value, there are costs associated with investing. Take mutual funds—they have a cost called the Management Expense Ratio (MER). It covers certain expenses, taxes and services, including specialized investment management expertise that can make all the difference in how well your investments perform. So, while every dollar saved in fees is a dollar that can stay invested, it’s very important to also consider performance after fees and the value you receive.

The RBC Difference

Competitive Fees, However You Choose to Invest

We offer competitive pricing and a range of services for your investment style.

Investment services
Invest with an AdvisorDisclaimer4

(RBC Royal Bank(Open in new window))

Trade and Invest Yourself

(RBC Direct Investing(Open in new window))

Hands-off Automatic Investing

(RBC InvestEase(Open in new window))

Customized Wealth Planning

(RBC Wealth Management(Open in new window))

You Pay
  • Below-average mutual fund management fees (as compared to the industryDisclaimer5)
  • Low management fee of 0.5% per yearDisclaimer10 on your investment balance
  • Tailored to your needs, speak to a Wealth Professional
You Get
  • Ongoing advice
  • Actively-managed portfolio solutions
  • Award-winningDisclaimer1 investment management
  • Ability to trade on any of three platforms: the online investing site, the RBC Mobile AppDisclaimer8 or the Trading Dashboard
  • Powerful tools and resources like free, real-time streamingDisclaimer9 quotes for stocks and ETFs
  • Easy access to Portfolio Managers
  • A personalized portfolioDisclaimer11 of low-fee ETFs that’s actively managed for you
  • Access to a full service wealth management team to help you achieve your long-term goals
  • Personalized investment, tax and wealth strategies and estate planning
  • Access to highly-skilled wealth planning and private banking specialists for business owners and high-net-worth families
Investment services
Invest with an AdvisorDisclaimer4

(RBC Royal Bank(Open in new window))

Trade and Invest Yourself

(RBC Direct Investing(Open in new window))

Hands-off Automatic Investing

(RBC InvestEase(Open in new window))

Customized Wealth Planning

(RBC Wealth Management(Open in new window))

You Pay
  • Below-average mutual fund management fees (as compared to the industryDisclaimer5)
  • Low management fee of 0.5% per yearDisclaimer10 on your investment balance
  • Tailored to your needs, speak to a Wealth Professional
You Get
  • Ongoing advice
  • Actively-managed portfolio solutions
  • Award-winningDisclaimer1 investment management
  • Ability to trade on any of three platforms: the online investing site, the RBC Mobile AppDisclaimer8 or the trading dashboard
  • Powerful tools and resources like free, real-time streamingDisclaimer9 quotes for stocks and ETFs
  • Easy access to Portfolio Managers
  • A personalized portfolioDisclaimer11 of low-fee ETFs that’s actively managed for you
  • Access to a full service wealth management team to help you achieve your long-term goals
  • Personalized investment, tax and wealth strategies and estate planning
  • Access to highly-skilled wealth planning and private banking specialists for business owners and high-net-worth families

Discover the RBC Difference

Learn more about investing with us or connect with an advisor today.