There is confidence in knowing that your assets are well invested and well protected. RBC® Guaranteed Investment Funds (GIFs) are a powerful investment solution to help you meet your needs.
Summary of RBC Guaranteed Investment Fund (GIF) features.
The maturity guarantee, death benefit guarantee and reset provision for both RBC GIF Series' are as follows:
|
Series 1 |
Series 2 |
| Maturity benefit |
75% |
75% |
Death benefit*
 Deposits before age 80
Deposits after age 80 |
100%
80% |
100%
80% |
| Resets |
N/A |
1 per year |
| Fund options |
16 individual funds and 4 portfolios |
4 portfolios |
Death Benefit Guarantee
The death benefit guarantee amount* will be the greater of
- 100% of the market value on date of death; or
- 100% of the value for deposits made before age 80 plus 80% of the deposit value made for deposits made after age 80
Maturity Guarantee
The maturity guarantee amount**, which is payable on a 10-year maturity date will be the greater of:
- 100% of the market value on the maturity guarantee date; or
- 75% of the deposit amount.
Optional resets
These are available once per calendar year with RBC Guaranteed Investment Funds Series 2 only. (only until the contractholder*** attains age 90).
Note: Automatic resets occur at the 10-year deposit maturity date (including a top-up payment, if required) to renew the maturity guarantee and the death benefit guarantees.
Investment Options
RBC Insurance® has selected 16 leading mutual funds and 4 Strategic Asset Allocation portfolios that are managed by RBC Asset Management®, for our segregated funds lineup. Please refer to chart below for a list of our funds and portfolios. These funds will meet your investment needs, with the added benefits of maturity and death benefit guarantees.
With $90 billion in assets under management, RBC Asset Management Inc. is one of Canada's largest investment management firms. The firm has one of the most experienced teams in the industry with more than 200 employees and 60 investment professionals in major global financial centres. Over many years, RBC Asset Management has created a proven track record of investment results.
RBC GIF Fund Lineup
| Asset Classes |
Fund Name |
| Money Market |
RBC Canadian Money Market GIF |
| Fixed Income |
RBC Canadian Short-Term Income GIF
RBC Bond GIF
RBC Global Bond GIF |
| Balanced |
RBC Balanced GIF
RBC Balanced Growth GIF |
| Canadian Equity |
RBC Canadian Dividend GIF
RBC Canadian Equity GIF
RBC O'Shaughnessy All-Canadian Equity GIF |
| North American Equity |
RBC North American Dividend GIF
RBC North American Growth GIF |
| U.S. Equity |
RBC U.S. Equity GIF
RBC O'Shaughnessy U.S. Value GIF
RBC U.S. Mid-Cap Equity GIF |
| Foreign Equity |
RBC O'Shaughnessy International Equity GIF
RBC Global Dividend Growth GIF |
| Strategic Asset Allocation |
RBC Select Conservative GIP*
RBC Select Balanced GIP
RBC Select Growth GIP
RBC Select Aggressive Growth GIP |
*GIP refers to Guaranteed Investment Portfolio.
RBC Guaranteed Investment Portfolios
With today's busy lifestyle and more access than ever to in depth financial information, it can be difficult to find the time you need to fully evaluate all your investment options. Fortunately, RBC Insurance® can help make your investment decision easier with our four RBC Select Guaranteed Investment Portfolio (GIP) solutions.
A portfolio that's right for you
RBC Select GIPs are designed to satisfy different investment styles. Each RBC Select GIP has a target asset mix suited to individuals with a specific risk profile. Your advisor can help you to determine the portfolio that best reflects your investment objectives and risk tolerance. The following provides a summary of the 4 RBC Select GIPs that are available.
RBC SELECT CONSERVATIVE GIP
Target Allocation****
A suitable choice for you if: You want to pursue moderate income and moderate capital growth, and can tolerate low-to-medium investment risk. This portfolio will invest primarily in Canadian fixed-income securities and have the potential to generate income. This portfolio is right for you if you plan to hold your investment over the medium-to-long term.
RBC SELECT BALANCED GIP
Target Allocation****
A suitable choice for you if: You are seeking long-term capital growth with a secondary focus on modest income, and are comfortable with low-to-medium investment risk. This portfolio invests in a diversified mix of Canadian, U.S. and international equity funds. The fixed-income portion invests primarily in Canadian fixed-income funds. This portfolio is suitable for you if you plan to hold your investment over the medium-to-long term.
RBC SELECT GROWTH GIP
Target Allocation****
A suitable choice for you if: You seek long-term capital growth and can tolerate medium investment risk. This portfolio invests primarily in a diversified mix of Canadian, U.S. and international funds and is suitable for you if you plan to invest for the long-term.
RBC SELECT AGGRESSIVE GROWTH GIP
Target Allocation****
A suitable choice for you if: You are seeking maximum long-term capital growth and can tolerate medium-to-high investment risk. This portfolio invests in a diversified mix of Canadian, U.S. and international funds and is suitable for you if you plan to hold your investment for the long term.
*The death benefit guarantee amounts will be reduced proportionately for all withdrawals and fees.
** The maturity guarantee amount will be reduced proportionately for all withdrawals and fees. If deposits are made in more than one policy year, there will be multiple dates, deposit values that share the same anniversary date.
***Contractholder refers to the owner of the contract and may be different from the annuitant for non-registered contracts. Annuitant refers to the person on whose life the guarantees and annuity payments are based.
****The portfolio target allocations are subject to change without notice.
Any amount that is allocated to a segregated fund is invested at the risk of the contractholder and may increase or decrease in value. RBC Guaranteed Investment Funds are segregated funds and are referred to as individual variable annuity contracts. 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 Asset Management Inc. When clients deposit money in an RBC Guaranteed Investment Funds contract, they are not buying units of the RBC Asset Management Inc. mutual fund or portfolio and therefore do not possess any of the rights and privileges of the unitholders of such funds.
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