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
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:
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.
Visit RBC Global Asset Management to learn more about:
The RBC Difference
Competitive Fees, However You Choose to Invest
We offer competitive pricing and a range of services for your investment style.
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Discover the RBC Difference
Learn more about investing with us or connect with an advisor today.
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.
RBC Funds are offered by RBC Global Asset Management Inc. and sold by Royal Mutual Funds Inc. Royal Mutual Funds Inc., Royal Bank of Canada, RBC Global Asset Management Inc., Royal Trust Company and The Royal Trust Corporation of Canada are separate corporate entities that are affiliated. Royal Mutual Funds Inc. 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. Please read the prospectus or Fund Facts before investing. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated. For money market funds there can be no assurances that the 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 the fund will be returned to you.
RBC Direct Investing Inc. and Royal Bank of Canada are separate corporate entities which are affiliated. RBC Direct Investing Inc. is a wholly owned subsidiary of Royal Bank of Canada and is a Member of the Investment Industry Regulatory Organization of Canada and the Canadian Investor Protection Fund. Royal Bank of Canada and certain of its issuers are related to RBC Direct Investing Inc. RBC Direct Investing Inc. does not provide investment advice or recommendations regarding the purchase or sale of any securities. Investors are responsible for their own investment decisions. RBC Direct Investing is a business name used by RBC Direct Investing Inc.
RBC InvestEase Inc. provides online discretionary investment management services. 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. In addition, the iShares ETFs in which RBC InvestEase Inc. clients invest are managed by BlackRock Asset Management Canada Limited. RBC Global Asset Management Inc. and BlackRock Asset Management Canada Limited 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. RBC iShares are comprised of RBC ETFs managed by RBC GAM and iShares ETFs managed by BlackRock.
The services provided by RBC InvestEase are only available in Canada.