About RBC Separately Managed Accounts (SMAs)

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A Separately Managed Account (SMA) is a professionally managed investment portfolio designed for clients who work with an advisor and want greater flexibility and control. Unlike pooled investment vehicles such as mutual funds, an SMA provides direct ownership of individual securities, which may include stocks, bonds, and other investments within the account. This structure allows for enhanced customization, transparency, and potential tax efficiency.

Transparency

Within an SMA, investors have full visibility into the individual securities being held in their account. This allows for clearer insight into how their money is being invested, as compared to pooled investment funds.

Tax Efficiency

Within an SMA, strategies can be applied to help minimize capital gains, such as tax-loss harvesting or timing the sale of securities. These can provide a greater level of tax control as compared to pooled investment funds.

Customization

SMAs can be tailored to meet the specific needs of the investor. Advisors can implement customized modifications to align with an investor's specific preferences or values (e.g. avoiding certain securities held within the SMA)

Our comprehensive selection of SMA strategies gives Canadian clients more ways to meet their investment goals.

10 Year Laddered Canadian Government Bond
10 Year Laddered Canadian Corporate Bond
5 Year Laddered Target Maturity Canadian Corporate Bond
5 Year Laddered Target Maturity U.S. Corporate Bond
Core Canadian Fixed Income

Core Canadian Equity
Canadian Dividend Income
Low Volatility Canadian Equity
Core U.S. Equity
U.S. Dividend Income
International Equity
Global Equity
Fossil Fuel Free Global Equity

6 Canadian Strategies
5 Global Strategies

We are driven by five core pillars to deliver exceptional investment outcomes and valued insights to clients. Discover our full story

Client first

We put our clients’ interests first

A culture of excellence

We foster a strong culture of collaboration and diversity

Global expertise

We offer expansive global capabilities and a diversified breadth of investment solutions

Responsible Investment*

We are an active, engaged and responsible investor

Power of human + machine

We embrace innovation and harness the power of human and machine

RBC GAM SMAs are available through select full-service brokerage advisors.
To learn more about RBC GAM SMAs, speak to your full-service brokerage

*This webpage includes information related to RBC GAM’s approach to responsible investment. This approach does not apply to certain funds, investment strategies, asset classes, exposures or security types that do not integrate ESG factors, including, but not limited to, money market, buy and maintain, passive, and certain third-party sub-advised funds/strategies or certain currency or derivative instruments. Where our investment teams do integrate ESG factors, the weight given to ESG factors in an investment decision depends on the investment team’s assessment of that ESG factor’s potential impact on the performance of the security and/or the fund. For funds where ESG factors are not part of the investment objective, ESG factors are generally unlikely to drive investment decisions on their own, and, in some cases, may not impact an investment decision at all. RBC GAM has a general approach to active stewardship, proxy voting, and engagement that addresses ESG matters among other matters. References to active stewardship do not apply to certain funds or investment strategies that do not undertake proxy voting and/or engagement activities, including, but not limited to, quantitative investment strategies that do not conduct engagements, passive strategies, and certain third-party sub-advised strategies. RBC GAM does not manage proxy voting for certain third-party sub-advised strategies.

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