Whether you’re saving for retirement, your toddler’s future education or ‘just because’, you’ll find all the options you need to save and invest for tomorrow.

Registered Investment Accounts

A offers tax advantages that can help you save for the future. And just like a shopping cart holds your favourite groceries, an investment account holds the investment products (mutual funds, GICs, etc.) that you want to buy.

Tax-Free Savings Account (TFSA)

Save for your big-ticket items or goals—tax-free.

Registered Retirement Savings Plan (RRSP)

Grow your retirement savings faster by deferring your taxes.

First Home Savings Account (FHSA)

Save for your first home, tax-free.

Registered Education Savings Plan (RESP)

Save for a child’s education with access to government grants and deferred taxes.

Registered Retirement Income Fund (RRIF)

Keep deferring taxes on your retirement savings while enjoying the money you’ve saved.

Registered Disability Savings Plan (RDSP)

Save for yourself or a loved one—if eligible for the Disability Tax Credit (DTC).

Is a TFSA, RRSP or FHSA Right for You?

See how these three popular accounts stack up.


Investment Products

Like the individual grocery items you put in your shopping cart, investment products are what you hold in registered investment accounts such as a TFSA and RRSP. Some products can also be purchased within

Guaranteed Investment Certificates (GICs)

Grow your money while keeping 100% of your original investment secure.

Mutual Funds

Easily invest in a pool of stocks, bonds and securities that is professionally managed for you.

Portfolio Solutions

Receive a diversified and professionally managed mix of mutual funds in one easy decision.

Savings Deposits

Hold cash in a registered account until you’re ready to invest it.

Exchange Traded Funds (ETFs)

Automatically invest in a professionally-managed ETFs portfolio through RBC InvestEase, or buy your own ETFs at RBC Direct Investing.

Stocks, Bonds and More

Choose from a wide-range of investment options for “do-it-yourself” investors.

Is a TFSA, RRSP or FHSA Right for You?

See how these three popular accounts stack up.


Savings Accounts

Keep your savings safe and earn interest in a flexible savings account. There’s no minimum deposit required, no monthly fee, and you can access your money whenever you need it.

RBC High Interest eSavings

Get interest on every dollar with this convenient online savings account.

Interest Rate1: 1.700%

NOMI Find & Save

Save extra dollars you won’t miss with this digital savings tool that puts money aside for you automatically, from another RBC personal deposit account.

Interest Rate1: 0.60%

RBC Day to Day Savings

Get interest on every dollar you save, and earn more as your balance increases.

Interest Rate1: Tiered

RBC U.S. High Interest eSavings

Earn interest on every dollar with this online U.S. dollar savings account.

Interest Rate1: 0.500%

See All Your Money in One Spot with MyAdvisor!

Stay connected with your money and see all your savings and investments in one spot2—no matter how or where you invest. Exclusive to RBC, MyAdvisor is available through RBC Online Banking at no additional cost.

Check Out MyAdvisor

Let's Connect. We'd Love to Help.

Talk to an advisor for one-on-one investment advice, help making a plan and more.

Book an appointment

Legal Disclaimer
Registered trademarks of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada.

Financial planning services and investment advice are provided by Royal Mutual Funds Inc. (RMFI). Mutual Funds are sold by RMFI. There may be commissions, trailing commissions, management fees and expenses associated with mutual fund investments. Please read the Fund Facts/prospectus before investing. Mutual fund securities are not insured by the Canada Deposit Insurance Corporation. 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. RMFI is licensed as a financial services firm in the province of Quebec.