Personal Investing with Collective Benefits

Benefit from lower fees when you and your Inner Circle1 invest with RBC Investment Advantage2

Invest a minimum of $250,000 in mutual funds as an individual or collectively and your entire Inner Circle will get:

  • Personal financial planning6
  • Lower fee rates3 with fee rate protection4
  • Maintain separate and individual accounts, while enjoying collective benefits.

Why Join RBC Investment Advantage?

Get personalized advice6, which could help you build more wealth.

RBC Financial Planners will take a comprehensive view of your needs and design a strategy tailored to your goals.

Plus, they’ll work with you to put your plan into action by leveraging a wide range of RBC mutual funds and financial solutions.

Investment Balances

Over a 15-year period, investors who work with an advisor end up with more wealth compared to investors who don’t.7

Investment Balances

Save on fees3, no matter what the markets are doing.

  • Fee rates won’t be affected5 by a market downturn
  • Simple flat, tiered-fee rate schedule, plus your account fees may be tax deductible
  • Transparent account fees, which are charged monthly and shown on your quarterly account statements

A wide range of investment accounts and products to fit your unique needs.

Benefit from a variety of plan types and - RBC Global Asset Management® Series F mutual funds. Your Financial Planner can help you choose what’s right for you.

  • Non-Registered Canadian Dollar Investment Account
  • Registered Retirement Savings Plan (RRSP)
  • Registered Retirement Income Fund (RRIF)
  • Tax-Free Savings Account (TFSA)
  • Registered Education Savings Plan (RESP)
  • Registered Disability Savings Plan (RDSP)

How Investment Advantage Works

Investing individually while getting collective benefits is as easy as 1-2-3:

Select your Inner Circle.

You and each member of your Inner Circle will receive financial planning advice6 and a personalized plan powered by MyAdvisor®.

Maintain your individual, separate accounts while enjoying
collective benefits.

More Premium Features and Benefits

  • Access to digital advice capabilities powered by MyAdvisor, including portfolio monitoring and rebalancing
  • Discounted fees on the RBC BankTM Premium Cross-Border Bundle7 banking package, which includes preferred foreign exchange rates and financing services for purchasing property in the U.S.

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.

You can invest in a wide range of RBC mutual funds.

Learn more about RBC mutual funds

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.

Account fees and trailing commissions are both fees for the advice, access and services provided to an investor.

Embedded advice series mutual funds (Series A units) include a trailing commission paid by the mutual fund company to the investment firm the advisor works for (mutual fund dealer) for ongoing advice, access and service. The trailing commission is embedded in the management expense ratio (MER) of a mutual fund.

For fee-based investors, who purchase Series F units of a mutual fund, the trailing commission is replaced with an account fee. Account fees are charged directly to the investor by the investment firm the advisor works for. With the RBC Investment Advantage account your account fee is based on a tiered scale that offers you a lower fee rate when you hold a higher balance with us, either on your own or by grouping assets with family members and certain professional colleagues.

See all RBC Investment Advantage FAQs

Get Started with RBC Investment Advantage

To join this program and get the most out of your investments, speak to a Financial Planner.

Call 1-800-463-3863

Get Started with RBC Investment Advantage

To join this program and get the most out of your investments, speak to a Financial Planner.

Call 1-800-463-3863