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You can reset the guaranteed value of your contract when the market value exceeds the original value of your investment, allowing you to lock in market growth. Generally, when you use a reset, your maturity date is also reset. Because segregated funds are an insurance product, they may be protected from creditor claims due to bankruptcy. If you own a business, talk to your financial or legal advisor to see how segregated funds could protect your money. RBC Select Guaranteed Investment Portfolios (GIPs) are professionally managed and designed to match up to different investing styles. Whether you’re comfortable with risk or want to avoid it, your advisor can help you find the portfolio that’s best for you. All of our GIPs are available within our Invest Series, Series 1 and Series 2. Note: the fund links below will take you to individual fund performance and other fund-specific information. Growth & income potential: Long-term capital growth and modest income Investment risk: Low to medium Invests primarily in: Canadian fixed income funds; Canadian, U. and international equity funds Your investment timeframe: Medium to long-term RBC Select Guaranteed Investment Portfolios (GIPs) are professionally managed and designed to match up to different investing styles. Whether you’re comfortable with risk or want to avoid it, your advisor can help you find the portfolio that’s best for you. All of our GIPs are available within our Invest Series, Series 1 and Series 2. Note: the fund links below will take you to individual fund performance and other fund-specific information. Growth & income potential: Long-term capital growth and modest income Investment risk: Low to medium Invests primarily in: Canadian fixed income funds; Canadian, U. and international equity funds Your investment timeframe: Medium to long-term RBC Select Guaranteed Investment Portfolios (GIPs) are professionally managed and designed to match up to different investing styles. Whether you’re comfortable with risk or want to avoid it, your advisor can help you find the portfolio that’s best for you. All of our GIPs are available within our Invest Series, Series 1 and Series 2. Note: the fund links below will take you to individual fund performance and other fund-specific information. Growth & income potential: Long-term capital growth and modest income Investment risk: Low to medium Invests primarily in: Canadian fixed income funds; Canadian, U. and international equity funds Your investment timeframe: Medium to long-term You can hold RBC Guaranteed Investment Funds (GIFs) in a number of account types, including Registered Retirement Savings Plans (RRSPs), Tax-Free Savings Accounts (TFSAs), non-registered plans, locked-in plans and Registered Retirement Income Funds (RRIFs). If a segregated fund has a “reset” option, you can reset the guaranteed value of your contract when the market value becomes higher than the original value (or “book value”) of your investment. This reset function allows you to keep pace with market growth. Generally, when the reset feature is used, the maturity date will also be reset. RBC Guaranteed Investment Funds (GIFs) and RBC Select Guaranteed Investment Portfolios (GIPs) are available in three different series—Invest Series, Series 1 and Series 2—each designed to help meet various investing goals. A licensed RBC Insurance® Advisor can help you determine which series—or combination of series—is right for you. Portfolio solutions, such as RBC Select Guaranteed Investment Portfolios (GIPs) are designed to provide the right asset mix to meet your risk profile and investment objectives. Each RBC Select GIP is actively monitored and rebalanced by RBC Global Asset Management™ to ensure your investments remain on track. There are 4 RBC Select GIPs availableso whether you’re a conservative investor or more growth-oriented, you’re sure to find a portfolio that meets your needs. Segregated funds are actually ideal investment solutions for individuals who don’t qualify for life insurance. That’s because they offer death benefit guarantees that ensure your beneficiaries will receive a guaranteed percentage of your original investment (less any withdrawals and fees) upon your death. There is no medical checkup or underwriting required. Yes, you can withdraw from a segregated fund before the maturity date, however your guarantees will be affected. They will be proportionately reduced by any withdrawals or fees applicable to the withdrawal. Any amount that is allocated to a segregated fund is invested at the risk of the contract holder and may increase or decrease in value. RBC Guaranteed Investment Funds are individual variable annuity contracts and are referred to as segregated funds. RBC Life Insurance Company is the sole issuer and guarantor of the guarantee provisions contained in these Contracts. The underlying mutual funds and portfolios available in these Contracts are managed by RBC Global Asset Management Inc. Details of the applicable Contract are contained in the RBC GIF Information Folder and Contract. Mutual funds have struggled to keep up with the market lately. Active management means you have to be extremely good at what you do. As Warren Buffett says, "Most people aren't cut out psychologically for investing." While I wholeheartedly believe that active investors can still beat the market, it's not common. So if you want to find mutual funds worth your money, you have to dig deep. The Vanguard Health Care Fund Investor Shares mutual fund invests in the healthcare industry, with a heavy focus on biotechnology and healthcare equipment. It's one of the few mutual funds that can claim an average total annual return higher than the S&P 500. Since its inception, the fund has averaged 16.18% per year. On a shorter timeline, things aren't quite as competitive. Through the past five years, the fund averaged 8.8% per year, versus 11.7% from the S&P. Overall, though, I like the fund because I think the healthcare sector is a good long-term play. The aging population will only require more medical care, and the sector as a whole stands to benefit. But I think those fears are overblown, given that we haven't seen any meaningful changes to the system regardless of who's in power in Washington. Some investors may worry about the ramifications of any federal reforms to the U. I view healthcare as more recession-proof than other industries and therefore think this mutual fund is a great play. Information technology and software are here to stay, and the Fidelity Select Software & IT Services Portfolio fund has done incredibly well in outperforming the market since the fund's inception. By investing in the likes of Microsoft, Visa, Adobe, and salesforce.com, the fund has had a 38.87% run over a one-year period, versus the S&P 500's 31.49% spurt. Since its inception in 1985, the fund has averaged 16.24% per year, outpacing the S&P's 10.79%. Even in poor recent years for the market, such as 2015, this mutual fund managed 10.31% growth. And even with tax-adjusted returns, the fund has averaged 23.42% over a three-year period. Morningstar gives the mutual fund a five-star rating, with below-average risk for the category. aims to invest in undervalued equities with consistent dividend yields. Since its inception, the fund has kept relative pace with the S&P 500. Over the shorter term, however, it has lagged the market somewhat as large growth ruled the day. I include the name as a play on the potential shift back to value as investors constantly attempt to calculate the likelihood of a pullback or recession on the horizon. Holdings are 23.91% invested in financials, with names including Wells Fargo and JPMorgan Chase, as well as Verizon and Boeing. But an emphasis on value and dividends is something that belongs in every portfolio. The Vanguard Balanced Index Fund Admiral Shares carries 40% of its holdings in bonds, a good hedge against fears of an eventual recession that could shift assets somewhat away from equities. Bonds may be boring and certainly do reduce the potential of returns. However, they add an element of safety to the list of equity-based funds I've put forth. Market watchers have noticed the recent outflows from equity funds, with more allocation moving into bonds and cash. The fund's bond allocation is 45.87% in the government sector, 25.33% in the corporate sector, and 23.79% in securitized assets. While offering exposure to bonds, Vanguard Balanced Index Fund still holds popular names including Microsoft, Apple, Amazon.com, and Berkshire Hathaway. carries an expense ratio of 0.52 and invests in low-price stocks. The list includes small and medium-sized businesses; its top 10 holdings include United Health Group, Ross Stores, Seagate Technology, Best Buy, Auto Zone, and Metlife. Morningstar gives the fund a five-star rating, with low risk. Since its inception in 1989, the fund has averaged an annual return of 13.35%. More recently, it has lagged the market a bit, as more large-cap growth names dominate the market. Nonetheless, the low-risk nature of the fund, and its historical track record of outperforming, make it worth a look. John Mackey, CEO of Whole Foods Market, an Amazon subsidiary, is a member of The Motley Fool’s board of directors. Teresa Kersten, an employee of Linked In, a Microsoft subsidiary, is a member of The Motley Fool’s board of directors. David Butler has no position in any of the stocks mentioned. The Motley Fool owns shares of and recommends Amazon, Apple, Berkshire Hathaway (B shares), Microsoft, Salesforce.com, and Visa. The Motley Fool recommends Adobe Systems, United Health Group, and Verizon Communications and recommends the following options: long January 2021 $200 calls on Berkshire Hathaway (B shares), short January 2021 $200 puts on Berkshire Hathaway (B shares), long January 2021 $85 calls on Microsoft, short January 2020 $220 calls on Berkshire Hathaway (B shares), and short January 2021 $115 calls on Microsoft. Rbc mutual fund performance about rbc For non-registered mutual funds, you must have an RBC Royal Bank chequing or savings account. For mutual funds in registered accounts i.e. TFSA, RRSP you must have an existing registered plan and an RBC Royal Bank chequing or savings account. Sign in to buy mutual funds online. Call us at 1-800-463-3863. RBC GAM is an investment manager with industry-leading management capabilities providing a comprehensive range of domestic and global solutions. Skip to content Skip to footer Mutual funds And professional expertise when you invest in mutual funds. Whether you’re looking for equity, fixed income or money market mutual funds, it’s easy to find the best one to match your investment objectives. Choosing a mutual fund can seem like a daunting task. Thousands of funds exist, and the same fund can be available in more than one series with different fees or investment minimums. The matches you receive will be the lowest-cost versions available, including Series D funds wherever possible. Higher-priced versions of funds, the ones designed for financial advisors and their clients, are typically excluded. Mutual Fund companies may assess additional fees – for example, deferred sales charges on back-end load funds, early redemption fees, setup fees and charges for insufficient funds on pre-authorized purchases. Management fees and operating expenses are paid by the mutual fund. There may be trailing commissions associated with these mutual fund investments. There may be commissions, trailing commissions, management fees and expenses associated with mutual fund investments. Please read the prospectus or Fund Facts before investing. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated. For money market funds there can be no assurances that the 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 the fund will be returned to you. Investing in Canada can be done through mutual funds. The following is Top 10 Popular Canadian Mutual Funds. These funds include: Fidelity Canadian Asset Allocation Ser B, Investors Dividend Cm RBC Canadian Dividend, TD Canadian Bond I, CI Harbour Growth & Income, RBC Monthly Income, and more. Please check back for more popular and best investment funds on my website. Introduction Mutual Funds have become popular in Canada for investment vehicle. In general mutual funds can be divided into three main categories: Money Market Funds, Fixed Income Funds or Bond Funds, and Equity Funds or Stock Funds. From these main categories, some of these funds may be classified into individual branches such as: As investors, you need to be proactive in your investing style either for asset diversification or capital appreciation. Choosing the right fund or funds may be one of the reasons. Several reasons to invest in these popular Canadian investment funds are: As the most popular investment fund, this Fidelity Canadian Asset Allocation fund's objective is to achieve high total investment return. This balanced fund uses an asset allocation approach. It invests mainly in a mix of Canadian equity securities or stocks, fixed income securities or bonds, and money market instruments. It may also invest in foreign securities to take advantage of market opportunities. Morningstar has rated this Canadian investment fund with 4-stars rating. Since its inception, this fund has recorded 13 years of positive return. Fund Details This Fidelity Canadian Asset Allocation Series Fund manager is Robert Swanson since April 2006. There is no 12b1 fee or front-end sales load fee for this fund. The best achievement occurred in year 2009 with 24.81%. It also has 3 years of negative return and the worst performance occurred in year 2008 with -19.26%. The performance of this mutual fund based on the load adjusted returns is 11.87% over the past year and 5.99% over the past ten years. Should you are interested to invest in this Canadian fund; you will need 500 CAD for either regular brokerage or IRA account. Investor will need 50 CAD minimum for subsequent investment. The other series of this Fidelity Canadian Asset Allocation Series Fund are Series A, Series T5, Series T8, Series S5, Series S8, Series F and Series O. Please take note that there is other quite similar fund in Fidelity, which is Fidelity Canadian Asset Allocation Class. The top ten investments of this fund as of May 2011 are Cash & Cash Equivalents, Toronto-Dominion Bank, Suncor Energy, Potash Corp of Saskatchewan, Canada Housing Trust No.1, Cenovus Energy, Bank of Nova Scotia, Goldcorp, Canadian Imperial Bank of Commerce and Enbridge. There are total 701 investments and these top ten investments make up 29.8% of the total fund. Principal Risks of this fidelity fund include Credit risk, Equity risk, Interest rate risk, etc. More details can be found from the fund's prospectus and website. The Investors Dividend fund seeks to provide above-average income yield on its investments, protect the value of its investments, and achieve long-term capital appreciation consistent with the fulfillment of the first two objectives. This fund is categorized in Canadian Equity Balanced category. This Investors Group mutual fund has been introduced to public since March 1962. It also has a yield of 3.65% per year and the annual expense ratio is 2.89%. This fund has 21.29% annual holdings turnover rate. Dividend Funds Since its inception, this equity fund has recorded 37 years of positive return and 11 years of negative return. The best 1-year total return was achieved in year 2009 with 25.76% and the worst performance was occurred in year 2008 with -22.50%. This fund has returned 13.23% over the past year and 5.27% over the past ten years. The Morningstar has given this Investors Dividend fund with 3-stars rating. The other classes of this fund are Class A and Class B. The top holdings of this fund as of May 2011 are Royal Bank of Canada, Bank of Nova Scotia, Trans Canada Corp, Bank of Montreal, CI Financial, Manulife Financial, Husky Energy, Power Financial Corp, TELUS Corp and Grest-West Lifeco. The top sector weightings as of May 2011 are Financials (51.50%), Energy (18.78%), Other (11.99%), Telecommunication Services (9.30%), Utilities (4.93%), Consumer Discretionary (2.21%) and Consumer Staples (1.29%). As one of the big mutual fund firm, RBC offers several popular mutual funds. RBC Canadian Dividend fund is one of this investment fund. RBC Canadian Dividend fund seeks to achieve long-term total returns consisting of regular dividend income, which benefits from the preferential tax treatment given to dividend income, and modest long-term capital growth. This RBC fund invests mostly in common and preferred shares of major Canadian companies with above average dividend yields. This RBC Canadian Dividend fund is categorized in the Canadian Dividend and Income Equity category. As mentioned, this fund is managed under the management of RBC Global Asset Management Inc. Stuart Kedwell has managed this fund since April 2007. It has returned 18.02% over the past year, 2.75% over the past three years and 8.32% over the past ten years. To start investing in this RBC fund, you will need a minimum of 500 CAD for either regular brokerage or IRA account. Currently, the fund's dividend yield is 1.27% per year. This fund has recorded 14 years of positive return and 3 years of negative return. The minimum subsequent investment for both accounts is 25 CAD. The best achievement was achieved in year 1997 with 35.38%. There are many other classes or series available for this fund, such as: The asset mix of this fund as of June 2011 is 92.0% in Canadian Equity, 4.0% in Cash, 2.4% in Fixed Income, 1.1% in US Equity and 0.5% in Other. The top ten holdings are The Toronto-Dominion Bank (6.9%), Royal Bank of Canada (6.9%), Bank of Nova Scotia (5.2%), Canadian Imperial Bank of Commerce (3.7%), Bank of Montreal (3.6%), Suncor Energy Inc (3.3%), Enbridge Inc (3.1%), Power Corporation of Canada Sub Vtg (2.9%), Brookfield Asset Management Inc A (2.9%) and Manulife Financial Corporation (2.7%). This total holdings of this fund are 104, consists of 77 stock holdings, 11 in bond holdings and 16 in other holdings. Listed as the forth popular fund, this TD Canadian Bond fund invests primarily in high quality bonds and other debt issued by Canadian governments and companies. Up to 30% of the fund may be invested in foreign securities. This TD Canadian bond fund was created and introduced to public in June 29, 1988. There is 1.08% Management Expense ratio if you are investing in this Toronto Dominion fund. This fixed income fund is managed by TD Asset Management Inc. This fund is classified as Canadian Fixed Income investment fund. As of July 2011, this fund has total assets of C$ 9.84 billion. The minimum amount to invest in this fund either in non-RSP investment or RSP investment is $100. The minimum subsequent investment applies for both investments ($100). Morningstar has ranked this fund with 4-stars return rating. This best fund has returned 6.79% over the past year and 6.22% over the past ten years. For YTD, this fund is on the 9% rank in the Canadian Fixed Income Category. The benchmark of this fund is Bof A Canada Board Market TR CAD. The top investments of this fund as of June 2011 are Province of Ontario Residual, Government of Canada, The Toronto-Dominion Bank, Government of Canada, Cash & Other Net Assets, Manulife Financial Capital Trust and Alberta Capital Finance Authority. The top ten investments out of total 212 investments represent 19.3% of total fund value. The investment assets as of June 2011 are allocated as follow Corporate Bonds (59.7%), Federal Bonds & Guarantees (15.4%), Provincial Bonds & Guarantees (13.4%), Mortgage-Backed Securities (5.5%), Supranationals (3.2%), Cash & Other Net Asses (1.7%), and Municipal Bonds (1.1%). This CI Harbour Growth & Income fund's objective is to obtain long-term total return through a prudent balance of income and capital appreciation. It invests primarily in equity and equity-related securities of mid- to large-capitalization Canadian companies and fixed income securities issued by Canadian governments and companies. The proportion of the fund's assets invested in equity and fixed income securities may vary according to market conditions. Any change to the investment objective must be approved by a majority of votes cast at a meeting of unit holders held for that reason. As part of CI Financial Group advisor, Gerald Coleman has been managing this CI fund since its inception in June 1997. This fund is in the category of Tactical Balanced fund. This fund doesn't share any dividend yield and the annual expense ratio is 2.40%. This equity fund has performed in the past 13 years with 11 years of positive return & 2 years of negative return. This fund's best 1-year total return was achieved in year 2009 with 21.20%. Based on the load adjusted return, this fund has returned 13.9% over the past year and 3.0% over the past five years. Besides Class A, this fund is also available in Class F and Class I. As of July 2011, the top ten holdings of this fund represent 35.36% of the total portfolio. They are Suncor Energy, Tim Hortons, BHP Billiton Limited, Canadian National Railway, Intact Financial, Potash Corp. of Saskatchewan, TD Bank, Bank of Nova Scotia, Manulife Financial, and JP Morgan Chase & Co. The asset allocation of this fund is Canadian Equity (49.3%), Cash (18.7%), United States Equity (16.6%), International Equity (10.3%) and Bond (5.1%). This fund has annual holdings turnover rate of 38.8%. Morningstar gave this RBC Monthly Income fund with 5 stars rating. As the second RBC mutual fund in this popular fund list, the RBC Monthly Income fund seeks to provide relatively tax efficient monthly distributions consisting of dividend income, interest income and capital gains, and the potential for modest capital growth. Since its inception, this RBC investment fund has 11 years of positive return and only 2 years of negative return. The fund will try to provide a high regular monthly income. The best achievement of 1-year total return was achieved in 2000 with 19.77%. Money Market Fund This RBC fund has been managed by Jennifer Mc Clelland since April 2007. Based on the load adjusted return, this fund has returned 7.68% over the past ten years, and 4.22% over the past three years. Investor may choose from the other series of this fund, such as Series Advisor with Front End load (Code: RBF763), Series Advisor with Low Load (Code: RBF115) and Series F with No Load (Code: RBF602). She is the Vice President and Senior Portfolio Manager of Canadian Equities. The top 5 sectors of this fund as of June 2011 are Financials (41.8%), Energy (22.0%), Materials (12.5%), Consumer Discretionary (5.1%) and Industrials (5.0%). The top 25 holdings of this fund represent 37.0% of the total portfolio. This RBC fund has a total of 315 holdings as of June 2011 that consists of 101 stock holdings, 204 bond holdings and 10 other holdings. The RBC Balanced fund objective is to provide a combination of capital growth and modest income. This RBC fund invest majority of assets in a balance of Canadian equities or stocks, bonds (fixed incomes), and short-term debt securities. This RBC fund was introduced to public in September 1987. To start investing in this fund, you will need a minimum investment of $500 with the subsequent investment of $25. This popular mutual fund has returned 5.84% over the past year and 3.86% over the past ten years. While popular, it only receives 2-stars rating from Morningstar. The other series of this fund are Advisor Series (with choice of Differed Sales Load or Front End Load or Low Load), F Series with No Load and T Series with No Load. As of June 2011, the asset mix of this RBC Balanced fund is Canadian Equity (37.2%), Fixed Income (34.5%), US Equity (12.5%), International Equity (10.9%) and Cash (5.0%). The top holdings of this fund are RBC Emerging Market, Canada Government, The Toronto-Dominion Bank, Royal Bank of Canada, Suncor Energy Inc, Bank of Nova Scotia, Quebec Prov and Potash Corporation of Saskatchewan Inc. The RBC Select Conservative Portfolio fund is seeking to offer income and the potential for moderate capital growth. This RBC Select Conservative Portfolio fund invests mostly in other RBC Funds, emphasizing mutual funds that invest in Canadian fixed income securities. These RBC fund typically have the potential to generate income. As part of fund of funds, the fund's portfolio maintains a balance of investments across several asset classes for diversification. This fund is in the category of Global Neutral Balanced fund. As part of RBC Global Asset Management, this RBC Select Conservative Portfolio fund was established on December 1986. It shares 1.26% of dividend yield that is distributed quarterly. If any capital gains exist, it is distributed annually. This balanced fund is currently open to new investors with the minimum investment of $500 for either regular brokerage account or retirement (IRA) account. There is a compulsory of $25 subsequent investment. For the no load fund, there is Series F (Code: RBF657) available. For the Advisor Series, there are three options: Advisor Series with Deferred Sales Load, Advisor Series with Front End Load and Advisor Series with Low Load. It also has achieved 21 years of positive return and 3 years of negative return. This fund has returned 3.89% over the past decade and 2.30% over the past five years. This RBC Select Conservative Portfolio fund has a total of 1,590 underlying holdings (729 bond holdings, 692 stock holdings, 169 other holdings, and 12 portfolio holdings). The asset mix of this fund as of June 2011 is Fixed Income (50.9%), Canadian Equity (16.3%), US Equity (12.2%), International Equity (11.2%) and Cash (9.3%). The top 5 sectors are Financials, Energy, Materials, Industrials and Consumer Discretionary. As the fifth popular RBC fund in this list, RBC Bond fund seeks to achieve above average, long-term total returns consisting of interest income and moderate capital growth. This RBC fund invests primarily in high-quality bonds or fixed incomes issued by Canadian governments and corporations. This RBC Bond Fund is categorized as one of the investment fund in Canadian Fixed Income Fund. This bond fund was introduced to public in July 1966. This fund has an annual expense ratio rate of 1.18% and it also has an annual holdings turnover rate of 45%. This fund has 3.06% dividend yield and this dividend is paid quarterly. The total net assets of this fund are $7.2 billion. The fund uses DEX Universe Bond Index as its benchmark. Morningstar has rated this fund with 3-stars return rating. It has 5.03% YTD return, which is the highest among all the other funds mentioned in this article. The performance of this fund is as below: The asset mix of this fund as of June 2011 is Fixed Income (97.1%) and Cash (2.9%). The fixed income breakdown is Corporate Bonds (51.7%), Government Bond (43.7%), ST Investments (2.9%), Other Bonds (1.4%), Asset Backed Securities (0.2%) and Mortgage Backed Securities (0.1%). The top 25 holdings out of 448 total holdings of this fund represent 29.5% of the total portfolio. CIBC Monthly Income fund's objective is to provide a reasonably consistent level of monthly income while attempting to preserve capital. This CIBC fund invests most of the fund assets in a diversified portfolio of debt and equity instruments. Fund Details David Graham has been managing this fund since December 2007. This CIBC Monthly Income fund was introduced to public in September 1998. This yield figure is the highest among the other funds in this article. As of July 2011, the fund has total net assets of $7.0 billion. Morningstar has given 3-stars return rating to this fund. The fund has returned 6.88% over the past ten years, 2.07% over the past five years, 1.85% over the past three years and 6.48% over the past year. If you are interested to invest in this fund, you will need a minimum initial investment of $500 with $25 minimum subsequent investment. The top ten holdings of this fund as of July 2011 are Cash & Cash Equivalents, Canada Housing Trust No.1, 2.75%, 2016/06/15, Royal Bank of Canada, Toronto-Dominion Bank (The), Canadian Imperial Bank of Commerce, Suncor Energy Inc., BCE Inc., Barrick Gold Corp., Manulife Financial Corp.


Use of this website constitutes acceptance of the Best Funds Terms and Conditions of Use. Last year we enhanced the way the costs of investing are displayed on your mutual fund statements. Your investing costs are not changing; rather, you will see additional information on your statements to help you understand how much and what you’re paying for, so you can better assess the value you’re receiving. The enhancements provide more clarity around investment costs and performance. These changes are part of an initiative by investment industry regulators to provide you with: The primary cost associated with mutual funds is the Management Expense Ratio (MER). It includes the Management Fee, Operating Expenses and Taxes. This pays for the management of the fund by the portfolio manager as well as any operating expenses and taxes. It also covers any trailing commission In addition to the MER, there’s the Trading Expense Ratio, or TER. These are the fees the fund managers pay when they buy and sell stocks in a fund. Some mutual funds also have sales charges or loads, which are one-time commissions. However, none of the RBC mutual funds have sales charges. These costs are automatically deducted from the fund. This means that the investment return that is reported on your account statement is shown on an after costs basis. For example, if the investments in a fund you own return 8% for the year and the MER is 2%, you would earn 6% after fees–and the fund’s rate of return would be reported as 6%. Fund Facts highlight key information for investors, including a description of the fund and the performance and the risks and costs of buying and owning the fund, all in a short, easy-to-read document. You can also find information about MERs on a mutual fund company’s website or at many third-party research sites that provide mutual fund information. For MER information on RBC Funds, PH&N Funds and Blue Bay Funds, please see A Guide to Understanding Fund Facts . In August 2016, the Center for Interuniversity Research and Analysis of Organizations (CIRANO) released its latest publication by Claude Montmarquette and Nathalie Viennot-Briot examining the value of financial advice. Lipper Canada Best Overall Funds Group (PH&N Funds: 2010-2013, 2016; RBC Funds: 2008, 2014), and Best Bond Funds Group (RBC GAM: 2015; PH&N Funds: 2008, 2010-2013, 2016; RBC Funds: 2009). Lipper Awards were based on best risk-adjusted performance for the periods ended July 31, 2017, 2016, 20; October 31, 2012, 20; November 30, 2009; and December 31, 20. From Thomson Reuters Lipper Awards, © 2017 Thomson Reuters. RBC Funds are offered by RBC Global Asset Management Inc. Royal Mutual Funds Inc., Royal Bank of Canada, RBC Global Asset Management Inc., Royal Trust Company and The Royal Trust Corporation of Canada are separate corporate entities that are affiliated. is licensed as a financial services firm in the province of Quebec. There may be commissions, trailing commissions, management fees and expenses associated with mutual fund investments. Mutual funds 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. Please read the Fund Facts or prospectus before investing. Rbc mutual fund performance royal action direct Performance data quoted represents past performance. Past performance does not guarantee future results. Investment return and principal value will fluctuate so that an investor’s shares, when redeemed, may be worth more or less than their original cost. Current performance may be lower or higher than performance quoted. Available to individuals, institutional clients or dealers who have entered into an agreement directly with RBC GAM to purchase Series O units. No management fees are payable by the fund in respect of Series O units. Unitholders of Series O units pay a negotiated fee directly or indirectly to RBC GAM. Series O performance is gross of management fees. For non-registered mutual funds, you must have an RBC Royal Bank chequing or savings account. For mutual funds in registered accounts i.e. TFSA, RRSP you must have an existing registered plan and an RBC Royal Bank chequing or savings account. Sign in to buy mutual funds online. Call us at 1-800-463-3863. Find the funds that are right for you by filtering based on the criteria that you choose. You can filter by performance, risk, Morningstar rating, fees and more. If you’re not sure where to get started, use pre-defined fund screeners designed by investment professionals. If you’re looking for a simple way to build or diversify your portfolio, the Asset Allocation Models can help. View recommended Asset Allocation Models for all kinds of investors, from conservative to growth-oriented. Get in-depth insights into ETFs, with research reports that include Morningstar analyst reviews of ETF portfolios, fees and more. See which ETFs the experts like, with Morningstar’s favourite long-term portfolio builders. Read Morningstar analysts’ best ideas and learn recent developments that come up from their coverage of the Canadian universe. They include reviews of equity and fixed income markets, and provide a daily commodity and currency update. Understand the potential impact of current events to the global economy with quarterly insights from RBC Global Asset Management’s Chief Investment Officer and the RBC Investment Strategy Committee. Read monthly insights and expectations developed by RBC Global Asset Management’s Chief Economist and the RBC Investment Strategy Committee. Sort and find investment opportunities in bonds, GICs and money market instruments based on your specific needs. Get timely and relevant analysis and forecasts of Canadian, U. Watch a quarterly video by the Chief Investment Officer of RBC Global Asset Management, who shares views on current events in the global economy and capital markets. Search by type of bond, maturity length, yield and coupons, or review the top performer section. Watch a quarterly video where RBC Global Asset Management’s Chief Economist and the RBC Investment Strategy Committee share their views on current events in the global economy and capital markets. per equity trade when you trade 150 times or more per quarter. There may be commissions, trailing commissions, management fees and expenses associated with mutual fund investments. All RBC Direct Investing clients pay $9.95 flat CDN or U. per equity trade with no minimum account balance or trading activity required. This pricing only applies to trades placed through an available Automated Service (as such term is defined in RBC Direct Investing's Operation of Account Agreement), including the online investing site and mobile application. Please read the prospectus or Fund Facts before investing. Mutual funds are not guaranteed or covered by the Canada Deposit Insurance Corporation or by any other government deposit insurer, their values change frequently and past performance may not be repeated. For money market funds there can be no assurances that the 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 the fund will be returned to you. There are two ways to qualify for the RBC Direct Investing Royal Circle program. The average of the month-end balances from the past four months must be at least $250,000 per client, or a client's equity commissions must be greater than $5,000 annually. Membership in Royal Circle is reviewed annually to ensure the qualification criteria are met. RBC Direct Investing reserves the right to alter the benefits at any time and to remove clients who no longer qualify for the program, without prior notification.