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“I want to grow and protect my money”
Segregated Funds–such as RBC Guaranteed Investment Funds (GIFs)–offer unique benefits that can help you reach your retirement goals.
Segregated funds
Benefits of segregated funds
Your one-stop shop for segregated funds
It’s easy to get started
Start investing with as little as $50 per month when you set up a pre-authorized debit (PAD) plan.
Choose your accounts
You can hold RBC GIFs in an RRSP, TFSA, non-registered plan, locked-in plan, RRIF or LIF. Access your money at any time.1
Selection of funds
Choose from 28 individual Guaranteed Investment Funds (including money market, balanced, fixed income and equity funds) and 8 portfolio solutions.
Simplify your investing
RBC Select Guaranteed Investment Portfolios (GIPs) are professionally managed and designed to give you the right asset mix for your needs.
Reach your financial goals with an RBC GIF Series
Segregated funds
Invest series
Higher opportunity for growth combined with lower fees. Perfect if you want to grow your money and don’t need maximum guarantees.
Right choice if you:
Are looking for long-term growth and flexibility from your investments
Are saving for retirement or another future goal
Want to protect your money but don’t need maximum guarantees
Want to diversify your investments
Are interested in creditor protection
Segregated funds
Most popular
Series 1
Protect your money with extra guarantees. A great choice if you’re not much for risk and/or you’re planning your estate.
Right choice if you:
Want to reduce risk and protect your money against dips in the market
Are saving for retirement or another future goal
Want to pass on as much as possible to your loved ones
Want to diversify your investments
Are interested in creditor protection
Segregated funds
Most popular
Series 2
The highest level of protection with the option to lock in your money if the fund value goes up. Ideal if you want growth without the risk.
Highlights
Maturity guarantee1: 75% of your deposit or the market value2, whichever is higher after 10 years
Death benefit guarantee1: 100% of your deposit before age 80 (80% after age 80) or the market value2, whichever is higher
Option to reset every year until age 90
Choice of 11 individual funds and 8 portfolio solutions
Right choice if you:
Want to lock in investment growth when markets go up
Prefer to reduce risk and protect your money against dips in the market
Want to pass on as much as possible to your loved ones
Are saving for retirement or another future goal
Are interested in creditor protection
Additional information
Still have questions? Contact us.
Invest series
Investments available for the series
RBC Guaranteed Investment Portfolios
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.
Highlights
Growth & income potential: Moderate
Investment risk: Low to medium
Invests primarily in: Canadian fixed income securities
Your investment timeframe: Medium to long-term
View details: Invest Series | Series 1 | Series 2
Target Allocation*
Highlights
Growth & income potential: Moderate
Investment risk: Low
Invests primarily in: Global fixed income securities
Your investment timeframe: Medium to long-term
View details: Invest Series | Series 1 | Series 2
Target Allocation*
Highlights
Growth & income potential: Long-term capital growth and modest income
Investment risk: Low to medium
Invests primarily in: Canadian fixed income funds; Canadian, U.S. and international equity funds
Your investment timeframe: Medium to long-term
View details: Invest Series | Series 1 | Series 2
Target Allocation*
Highlights
Growth & income potential: Long-term capital growth and modest income
Investment risk: Low to medium
Global fixed income funds, U.S., International and Emerging Markets funds
Your investment timeframe: Medium to long-term
View details: Invest Series | Series 1 | Series 2
Target Allocation*
Highlights
Growth & income potential: Long-term capital growth
Investment risk: Medium
Invests primarily in: Canadian, U.S. and international funds
Your investment timeframe: Long-term
View details: Invest Series | Series 1 | Series 2
Target Allocation*
Highlights
Growth & income potential: Long-term capital growth
Investment risk: Low to medium
Invests primarily in: U.S., International, Emerging Markets funds
Your investment timeframe: Long-term
View details: Invest Series | Series 1 | Series 2
Target Allocation*
Highlights
Growth & income potential: Maximum long-term growth
Investment risk: Medium to high
Invests primarily in: Canadian, U.S. and international funds
Your investment timeframe: Long-term
View details: Invest Series | Series 1 | Series 2
Target Allocation*
Highlights
Growth & income potential: Maximum long-term growth
Investment risk: Medium
Invests primarily in: U.S., International, Emerging Markets funds
Your investment timeframe: Long-term
View details: Invest Series | Series 1 | Series 2
Target Allocation*
*The portfolio target allocations are subject to change without notice.
Series 1
Investments available for the series
RBC Guaranteed Investment Portfolios
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.
Highlights
Growth & income potential: Moderate
Investment risk: Low to medium
Invests primarily in: Canadian fixed income securities
Your investment timeframe: Medium to long-term
View details: Invest Series | Series 1 | Series 2
Target Allocation*
Highlights
Growth & income potential: Moderate
Investment risk: Low
Invests primarily in: Global fixed income securities
Your investment timeframe: Medium to long-term
View details: Invest Series | Series 1 | Series 2
Target Allocation*
Highlights
Growth & income potential: Long-term capital growth and modest income
Investment risk: Low to medium
Invests primarily in: Canadian fixed income funds; Canadian, U.S. and international equity funds
Your investment timeframe: Medium to long-term
View details: Invest Series | Series 1 | Series 2
Target Allocation*
Highlights
Growth & income potential: Long-term capital growth and modest income
Investment risk: Low to medium
Invests primarily in: Global fixed income funds, U.S., International and Emerging Markets funds
Your investment timeframe: Medium to long-term
View details: Invest Series | Series 1 | Series 2
Target Allocation*
Highlights
Growth & income potential: Long-term capital growth
Investment risk: Medium
Invests primarily in: Canadian, U.S. and international funds
Your investment timeframe: Long-term
View details: Invest Series | Series 1 | Series 2
Target Allocation*
Highlights
Growth & income potential: Long-term capital growth
Investment risk: Low to medium
Invests primarily in: U.S., International, Emerging Markets funds
Your investment timeframe: Long-term
View details: Invest Series | Series 1 | Series 2
Target Allocation*
Highlights
Growth & income potential: Maximum long-term growth
Investment risk: Medium to high
Invests primarily in: Canadian, U.S. and international funds
Your investment timeframe: Long-term
View details: Invest Series | Series 1 | Series 2
Target Allocation*
Highlights
Growth & income potential: Maximum long-term growth
Investment risk: Medium
Invests primarily in: U.S., International, Emerging Markets funds
Your investment timeframe: Long-term
View details: Invest Series | Series 1 | Series 2
Target Allocation*
*The portfolio target allocations are subject to change without notice.
Series 2
Investments available for the series
RBC Guaranteed Investment Portfolios
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.
Highlights
Growth & income potential: Moderate
Investment risk: Low to medium
Invests primarily in: Canadian fixed income securities
Your investment timeframe: Medium to long-term
View details: Invest Series | Series 1 | Series 2
Target Allocation*
Highlights
Growth & income potential: Moderate
Investment risk: Low
Invests primarily in: Global fixed income securities
Your investment timeframe: Medium to long-term
View details: Invest Series | Series 1 | Series 2
Target Allocation*
Highlights
Growth & income potential: Long-term capital growth and modest income
Investment risk: Low to medium
Invests primarily in: Canadian fixed income funds; Canadian, U.S. and international equity funds
Your investment timeframe: Medium to long-term
View details: Invest Series | Series 1 | Series 2
Target Allocation*
Highlights
Growth & income potential: Long-term capital growth and modest income
Investment risk: Low to medium
Invests primarily in: Global fixed income funds, U.S., International and Emerging Markets funds
Your investment timeframe: Medium to long-term
View details: Invest Series | Series 1 | Series 2
Target Allocation*
Highlights
Growth & income potential: Long-term capital growth
Investment risk: Medium
Invests primarily in: Canadian, U.S. and international funds
Your investment timeframe: Long-term
View details: Invest Series | Series 1 | Series 2
Target Allocation*
Highlights
Growth & income potential: Long-term capital growth
Investment risk: Low to medium
Invests primarily in: U.S., International, Emerging Markets funds
Your investment timeframe: Long-term
View details: Invest Series | Series 1 | Series 2
Target Allocation*
Highlights
Growth & income potential: Maximum long-term growth
Investment risk: Medium to high
Invests primarily in: Canadian, U.S. and international funds
Your investment timeframe: Long-term
View details: Invest Series | Series 1 | Series 2
Target Allocation*
Highlights
Growth & income potential: Maximum long-term growth
Investment risk: Medium
Invests primarily in: U.S., International, Emerging Markets funds
Your investment timeframe: Long-term
View details: Invest Series | Series 1 | Series 2
Target Allocation*
*The portfolio target allocations are subject to change without notice.
RBC GIF Interest Savings Account
A high interest savings account with benefits of a segregated fund policy.
RBC GIF Interest Savings Account Interest Rate: 1.50%4
What is the RBC GIF Interest Savings Account?
- A secure, simple solution for cash deposits.
- Pays a higher interest rate than a traditional chequing account.
- An investment option with no downside and no market exposure.
- Pays a variable, annual interest rate set by RBC Life Insurance Company.
Benefits of the RBC GIF Interest Savings Account?
- Provides flexibility to easily shift between segregated funds and the Interest Savings Account.
- Allows greater asset diversification which can minimize the impact of market volatility.
- Shares the same estate and probate bypass features as segregated funds – saving time and costs of estate settlement.
Still have questions? Contact us.
RBC GIF information and financials
Information folder & contract
Fund prices and performance
Check fund prices and performance from Lipper.
Frequently asked questions about segregated funds
You can start investing in an RBC Guaranteed Investment Fund (GIF) for as little as $50 per month when you set up a pre-authorized debit (PAD) plan.
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.
The Invest Series, Series 1 and Series 2 have different options and features to meet different investment needs and goals. Take a look at our comparison chart to see what each one offers.
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 available, so whether you’re a conservative investor or more growth-oriented, you’re sure to find a portfolio that meets your needs.
Yes. 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.
Will be reduced proportionately for all withdrawals and fees.
Please refer to the information folder and contract to understand how the guarantees work.
Please contact your advisor if you require copies of previously published Financial Statements and/or Fund Facts.
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.
The current interest rate is in effect as of October 31, 2025.
The interest rate is an annual interest rate. It is a simple interest calculation. Interest is calculated daily on the balance and paid monthly. Interest rate is subject to change at any time without notice.