RBC Investment Advantage is Personal Investing with Collective Benefits
Invest a minimum of $250,000 in mutual funds as an individual or collectively with your Inner Circle1 and get benefits like personal financial planning, fee rate protection2, lower fee rates3, and premium offers on RBC products and services.
Why Join RBC Investment Advantage?
Personalized Financial Advice
Work one-on-one with a Financial Planner who will tailor an investment plan to help meet your goals.
Invest with Professional Guidance
Over a 15-year period, investors who work with an advisor end up with almost 4 times more wealth compared to investors who don’t4.
Access member-only offers such as cash rebates, rewards, and discounts on RBC products and services.
Limited Time RBC Investment Advantage Offers
- Get up to $50 refund on a Cross-Border Banking Bundle (opens new window)
- Earn up to 20,000 RBC Rewards points with select RBC Avion cards (opens new window)
Speak to a Financial Planner to learn more about these exclusive offers.
Lower Fee Rates
Keep more of your assets over time by saving on lower fee rates. As your individual or collective investment balances go up, your account fee rate3 goes down.
See How Much You Can Save
*Please note that all account and personal details remain individual and separate.
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Frequently Asked Questions
You can participate individually in this program as long as you have a minimum of $250,000 to invest in mutual funds.
You can also participate with your family and certain professional colleagues within your Inner Circle as long as the collective assets amount to a minimum of $250,000. Each investor must be a Canadian resident who has reached the age of majority (18 or 19, depending on the province or territory) with a Social Insurance Number (SIN).
You can extend the RBC Investment Advantage benefits to others in your Inner Circle who may not otherwise have access to Financial Planning advice or member-only offers. For example, your children can get professional financial planning advice to help them save for future goals. Or your parents can benefit from fund recommendations and regular updates to keep them on track through retirement.
RBC Investment Advantage clients are charged a fee rate based on the total value of assets in each Inner Circle account (or for the individual account, if just one person is investing) for ongoing access, advice and service that Royal Mutual Funds Inc. provides.
No, you will need to contact a Financial Planner, Digital Financial Specialist or an Invest-by-Phone advisor, depending on your total assets.
When you join the RBC Investment Advantage your money is invested in Series F mutual funds which are fee-based mutual funds. Each Fund in the RBC Investment Advantage account pays its own operating expenses. There are no sales commissions or trailing commissions payable in respect of the Series F and Series FT5 Funds that may be held in your account. There are no fees or expenses payable by you relating to your RBC Investment Advantage account that would duplicate any fees or expenses paid by the Funds. Your account fee rate is inclusive of advice, access and service for series F mutual funds and is based on a tiered scale that offers you a lower fee rate when you hold a higher balance within your RBC Investment Advantage account.
On the other hand, a trailing commission is a service fee that’s embedded into the Management Expense Ratio (MER) of series A mutual funds and charged individually for each fund. Should your investment include a trailing commission, you will automatically pay this fee over the course of your investment period.
For fee based accounts, the account fee is shown separately, making it easy for you to compare your mutual fund performance. You can also group assets with family members and certain professional colleagues, resulting in further account fee reductions. With an account fee, you may be able to save more, and invest, even more.