Investment Accounts and Products
At RBC, we give you access to a broad range of investment products to help you meet your financial goals.
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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 is a restricted portfolio manager providing access to model portfolios consisting of RBC iShares ETFs with each model portfolio holding up to 100% of RBC iShares ETFs. RBC iShares ETFs are comprised of RBC ETFs managed by RBC Global Asset Management Inc. (RBC GAM) and iShares ETFs managed by BlackRock Canada Limited (BlackRock Canada). RBC GAM and BlackRock Canada 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.
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.
The services provided by RBC InvestEase are only available in Canada.
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.
The services provided by RBC InvestEase are only available in Canada.
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.
1
You can withdraw up to $35,000 from your RRSP to buy your first home under the Home Buyers’ Plan.
The funds must have been on deposit at least 90 days before you withdrew them, and a signed agreement to buy or build a qualifying home is required.
At least 1/15 of the funds must be repaid each year, beginning two years after the funds were withdrawn.
For details see Canada Revenue Agency Home Buyers’ Plan .
2
Under the Lifelong Learning Plan, you can withdraw up to $10,000 per calendar year for your own or your spouse's full–time training or post–secondary education.
The total amount that can be withdrawn is $20,000 each with withdrawals over a maximum of four consecutive years.
At least 10% of the amount borrowed must be repaid each year, over a maximum period of 10 years.
3
With the CESG, for an eligible beneficiary until the end of the calendar year they turn 17, the government matches 20% on the first $2,500 contributed annually to an RESP.
The maximum total CESG the government will give, up to age 18, is $7,200 per beneficiary.
4
With the CLB for an eligible beneficiary, the government pays an initial $500 contribution in an RESP and a beneficiary may also be entitled to receive an additional $100 a year up until the age of 15.
The maximum total CLB payable is $2,000. A contribution is not required to an RESP to receive the CLB. The total maximum CLB payable per child is $2,000.
5
The Canada Disability Savings Grant provides matching contributions of 100%, 200% or 300% annually up to a maximum of $3,500 and a lifetime limit of $70,000.
The Canada Disability Savings Bond provides up to $1,000 a year depending on the beneficiary’s family income. There’s a lifetime limit of $20,000.
6
Mutual Funds are sold by Royal Mutual Funds Inc. (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 guaranteed or covered by the Canada Deposit Insurance Corporation or by another government deposit insurer.
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.
8
You must be at the age of majority in your province to start contributing to your TFSA.