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Investments

From simple saving questions to big financial decisions, we’re here to help.

From simple saving questions to big financial decisions we’re here to help.

ACCOUNTS & PRODUCTS TIPS & ADVICE SMART TOOLS WAYS TO INVEST TOP QUESTIONS I'm Looking For... ACCOUNTS & PRODUCTS TIPS & ADVICE SMART TOOLS WAYS TO INVEST TOP QUESTIONS ACCOUNTS & PRODUCTS TIPS & ADVICE SMART TOOLS WAYS TO INVEST TOP QUESTIONS

Get More When You Invest with RBC ®

Advice if you need it

Get advice, whether you're investing $50 or $5,000.

Freedom to invest how you want

Work with an advisor, do-it-yourself, let advisors invest for you or try all three.

Digital tools to help you plan & save

Stay connected to your money and save automatically with smart tools.

Popular Accounts & Products to Grow Your Money

TFSA & RRSP GICs & Savings Mutual Funds, ETFs & Stocks TFSA & RRSP GICs & Savings Mutual Funds, ETFs & Stocks

Grow Your Investments Faster with a TFSA or RRSP

When it comes to saving for the future, many Canadians use a tax-smart registered account such as a TFSA or RRSP. Like other types of investment accounts—both registered and non-registered — you can hold a variety of investments in either plan.

Grow Your Investments Faster with a TFSA or RRSP

When it comes to saving for the future, many Canadians use a tax-smart registered account such as a TFSA or RRSP. Like other types of investment accounts—both registered and non-registered — you can hold a variety of investments in either plan.

Tax-Free Savings Account (TFSA)

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

Try the TFSA calculator

Explore TFSAs

Registered Retirement Savings Plan (RRSP)

Grow your retirement savings faster by deferring taxes.

Try the RRSP calculator

Explore RRSPs

See All Registered Investment Accounts

Keep Your Savings Safe and Secure

If you’re looking for a risk-free option with a steady rate of return, consider a GIC or savings account. You can hold a GIC in your registered accounts (TFSA, RRSP, etc.) or as a non-registered investment

Keep Your Savings Safe and Secure

If you’re looking for a risk-free option with a steady rate of return, consider a GIC or savings account. You can hold a GIC in your registered accounts (TFSA, RRSP, etc.) or as a non-registered investment

Guaranteed Investment Certificates (GICs)

Invest knowing 100% of your initial deposit is protected.

See Special GIC Rates

Explore GICs

RBC High Interest eSavings Account

Get interest on every dollar and enjoy 24/7 access.

Explore RBC High Interest eSavings

See All Investment Products

See More Savings Accounts

Invest for Growth, Income and More

Choose from a wide range of investment products, including:

Mutual Funds

Easily invest in a pool of stocks, bonds and other securities.

Explore Mutual Funds

Exchange-Traded Funds (ETFs)

With RBC Direct Investing & RBC InvestEase

Invest in a fund that holds a basket of investments and trades like a stock.

Explore ETFs

Stocks

With RBC Direct Investing

Invest in a wide range of U.S. and Canadian stocks.

Explore Stocks

See All Investment Products

Get up to $2,000 cash back

When you open and fund a new RBC Direct Investing account. Act by March 31, 2021 1 . Conditions apply.

Learn More

Check in with an RBC Advisor

Get valuable input from an advisor on financial matters that are on your mind.

Find Out More

Tips and Advice to Help You Reach Your Goals

Explore our “how to” guides for tips on saving for the things that matter to you.

Saving Money (Just Because)

Saving for a Big-Ticket Item

Saving for a House

Saving for a Child’s Education

Saving for Retirement

Prefer some guidance? Try our Investment Wizard

Smart Tools to Help You Plan and Save

Get Personalized Advice & Tips

Set goals, get tips and see all your investments in one spot!

MyAdvisor is a digital service that combines interactive planning tools and advice from a live advisor to help you stay on top of your savings goals. It’s exclusive to RBC clients, easy to use and available to you at no extra cost.

Save Extra Dollars

Start saving for any goal—quickly and easily!

NOMI Find & Save is a digital savings account that looks at your spending, finds extra dollars in your cash flow that it thinks you won’t miss and automatically moves them to savings. Turn on NOMI Find & Save in the RBC Mobile 1 app.

Save on Autopilot

Put your savings on autopilot.

Grow your investments faster by setting up regular (weekly, monthly, etc.) contributions into your investment account. Simply choose how much you want to save automatically —and how often.

Ways to Invest with Us

Not everyone wants to invest the same way. Use one or more of our services—whatever’s right for you.

Get Advice from an RBC Advisor Call, visit in person or video chat* with us (*available with MyAdvisor) Get savings, investment, banking and borrowing advice Connect with an RBC Advisor Trade and Invest Yourself Do it yourself, choosing from stocks, bonds, ETFs and more Access powerful tools and resources to inform your decisions Explore RBC Direct Investing Invest Online—Without all the Work Let our pros pick, buy and manage your investments for you Get a personalized investment plan created with low-fee ETFs Explore RBC InvestEase

Not sure? Compare Investing Services

Your Top Questions Answered

How do I contribute to my RRSP online?

Once you have opened an RRSP, you can make additional contributions online if you have RBC Online Banking access and an RBC Royal Bank chequing or savings account.

Sign in and follow the steps below to contribute to your RRSP online.

From the Accounts Summary page, click on your RRSP. Select Contribute from the left-hand menu of the RRSP Account Holdings page. Follow the onscreen instructions to complete your transaction. How do I choose the right GIC for me?

We have a broad range of GICs that can fit any goal. You can use our handy GIC Selector tool to help you determine the best solution for you.

You can also work with an RBC advisor to help you choose the right investment that best fits your objectives. We encourage you to use our online booking tool to schedule a time to speak with an advisor by phone.

My investments are down. Should I sell?

Whether markets change a little or a lot, it can be hard not to react. Stock market returns play an important role in the long term investment plans for many Canadians. But along with long term growth potential, investing can also mean investors will be subjected to ups and downs in the short term. These fluctuations have been on full display in recent weeks as markets try to assess the economic impact of COVID-19.

Looking past the headlines

While these developments will have an effect on the global economy, current stock market headlines reported in the media may sometimes be inconsistent with the results experienced by investors with portfolios made up of a diversified mix of different asset classes, including stocks, bonds and cash. When the stock market is weak, it’s common for the bond market to provide stability.

Focus on what you own

Many investors have a diversified portfolio so the performance of a single component like the stock market simply doesn’t provide the full picture. So no matter how the storylines develop, it’s important to remain focused on your personalized investment plan. After all, a well-structured plan offers preparedness to a wide range of outcomes through a portfolio that is best-suited to your long term investment goals.

If you want to review your plan, our advisors are here for you. Simply sign into your RBC Online Banking to book an appointment to speak to us about your specific situation.

How do I buy GICs?

You can buy GICs:

Through RBC Online Banking if you have an RBC Royal Bank chequing or savings account, or an existing GIC. Or if you have questions, we encourage you to use our online booking tool to schedule a time to speak with us by phone. See all FAQs

Other Resources You Might Like

Retirement Planning

Get help planning—whether you’re just starting to save or you’re already retired.

Explore Retirement Planning

Financial Planning

Get helpful tips, advice and information on a broad range of money matters.

Explore Financial Planning

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

Things our lawyers want you to know Hide Things our lawyers want you to know

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 Products and services may be offered by Royal Bank of Canada or by a separate corporate entity affiliated with Royal Bank of Canada, including but not limited to Royal Mutual Funds Inc., RBC Direct Investing Inc. (Member–Canadian Investor Protection Fund), RBC Global Asset Management Inc., Royal Trust Company or The Royal Trust Corporation of Canada. 1. RBC Mobile is operated by Royal Bank of Canada, RBC Direct Investing Inc. and RBC Dominion Securities Inc

Registered Accounts:
Registered investment accounts offer unique tax advantages to help you save for the future. For example, the Registered Retirement Savings Plan (RRSP) lets you defer the taxes you pay on investment income until you withdraw that money in retirement, while investment income you earn in a Tax-Free Savings Account (TFSA) is never taxed. The features, benefits and rules for registered accounts are determined by the Government of Canada.

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Registered Accounts:
Registered investment accounts offer unique tax advantages to help you save for the future. For example, the Registered Retirement Savings Plan (RRSP) lets you defer the taxes you pay on investment income until you withdraw that money in retirement, while investment income you earn in a Tax-Free Savings Account (TFSA) is never taxed. The features, benefits and rules for registered accounts are determined by the Government of Canada.

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Non-Registered Investment:
An investment is considered “non-registered” when you hold it outside of a registered plan such as a Tax-Free Savings Account (TFSA) or Registered Retirement Savings Plan (RRSP). Investment income from non-registered investments is not eligible for tax-deferred or tax-free status.

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Non-Registered Investment:
An investment is considered “non-registered” when you hold it outside of a registered plan such as a Tax-Free Savings Account (TFSA) or Registered Retirement Savings Plan (RRSP). Investment income from non-registered investments is not eligible for tax-deferred or tax-free status.

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Posted by Jack Read more Comments (15) 2021.01.31 13:21