RBC Investment Advantage account

Build family wealth.

May 2017

RBC Investment Advantage account

Family matters –
Build your wealth together

  • Designed to help you and members of your family across Canada reduce your overall investing costs.

  • When your family has $250,000 or more invested in the account, you qualify.

  • Members of your family – including spouses, parents, children and siblings (and their immediate family) – benefit from a tiered fee scale.

  • Fee rates are reduced as combined family assets exceed certain thresholds.

  • On balances of $1,000,000 or more the account fee applies to the entire balance.

Investment amount Account fee
6 $1,500,000 and over 0.50% on the entire balance
5 $1,000,000 up to $1,499,999 0.60% on the entire balance
4 Portion from $750,000 to $999,999 0.60%
3 Portion from $500,000 to $749,999 0.70%
2 Portion from $350,000 to $499,999 0.80%
1 On the first $349,999 (with a minimum of $250,000 invested in the account) 0.85%

Note: Account fee is taxable based on investor's province of residence.

RBC Investment Advantage account

Getting started

  • 1

    Group all of your family’s investment accounts under the RBC Investment Advantage Account umbrella. Accounts remain separate and confidential – total family holdings are considered for fee purposes only.

  • 2

    A dedicated Financial Planner will provide a customized financial plan that includes fund recommendations and regular updates.

  • 3

    Each family member can choose from a comprehensive lineup of mutual funds from RBC Global Asset Management Inc.

  • 4

    A tiered fee scale is applied to the assets you and your family members hold in the account.

  • 5

    Fees are clearly reported and, if you’re investing in taxable accounts, may be tax deductible. Please speak with a tax professional for specific tax advice.

RBC Investment Advantage account

A success story

Tiered fee scale:

Assets
$300,000

You
 
$750,000

You & Partner
 
$900,000

You, Partner & Sibling
 
$1,000,000

You, Partner
Sibling & Children
$1,700,000

You, Partner, Sibling,
Children & Parents
Account fee
0.85%
0.79%
0.758%
0.60%
0.50%
Annual individual savings $450 $630 $726 $1,200 $1,500
Annual family saving N/A $1,575 $2,178 $4,000 $8,500
  • Main investor opens the account with $300,000
  • Annual account fee savings of 15%
  • Investor’s partner adds their assets of $450,000
  • Total assets are $750,000
  • Annual account fee savings of 21%
  • Investor’s sibling adds their assets of $200,000
  • Total assets are $900,000
  • Annual account fee savings of 24%
  • Investor’s children add their assets of $250,000
  • Total assets are $1,000,000
  • Annual account fee savings of 40%
  • Investor’s parents add their assets of $700,000
  • Total assets are $1,700,000
  • Annual account fee savings of 50%

Note: For illustration purposes. Not to scale. Account fee is taxable based on investor’s province of residence. Savings are based on the applicable annual rate of 1.00% on a balance less than $250,000. The cost of investing in mutual funds is not re ected in the illustration. For mutual fund MER information visit the Overview section of Prices & Performance at www.rbcgam.com.

RBC Investment Advantage account

Summary of advantages

  • Lower fee rates for advice, access and service as combined family assets grow

  • Personalized advice and service

  • The flexibility to choose from a broad range of mutual funds from RBC Global Asset Management Inc.

  • A clear view of your investments

  • Preferred rates on other RBC products and services

Mutual funds are distributed and nancial planning services and investment advice are provided 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, their values change frequently and past performance may not be repeated. RBC Funds, PH&N Funds, BlueBay Funds and RBC Corporate Class Funds are offered by RBC Global Asset Management Inc. (RBC GAM). RBC GAM, RMFI, Royal Bank of Canada, Royal Trust Corporation of Canada and The Royal Trust Company are separate corporate entities which are af liated. RBC Funds, PH&N Funds, BlueBay Funds, RBC Corporate Class Funds and Royal Bank of Canada are related issuers of RMFI. RMFI is licensed as a nancial services rm in the province of Quebec.

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