Guaranteed Protection for Your RRSP
Don’t let market uncertainty keep you from making a contribution to your Registered Retirement Savings Plan (RRSP). RBC Guaranteed Investment Funds (GIFs)can help grow your savings—and offer unique guarantees to protect your money that you won’t find with other types of investments such as mutual funds.
RBC GIFs vs. Mutual Funds
While they share some of the same benefits as mutual funds, RBC GIFs are actually segregated funds. (You can think of them as mutual funds wrapped in insurance protection.) Here’s how they stack up:
| Feature | RBC GIFs | Mutual Funds |
|---|---|---|
| Professional portfolio management |  |
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| Ability to grow your money while diversifying your risk | |
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| A maturity guarantee to protect a percentage of the value of your investment at the end of your investment termDisclaimer1,Disclaimer2 | |
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| Option to “reset” the guaranteed value of your investment (and lock in market gains) if the markets go up | |
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| A death benefit guarantee to ensure a portion of your investment goes to your beneficiaries if you pass awayDisclaimer2 | |
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| Ability to bypass probate, which means your loved ones will receive more of the money faster and your estate will remain private | |
SometimesDisclaimer3,Disclaimer4 |
| Potential creditor protection for registered accounts | |
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| Potential creditor protection for non-registered accounts | |
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Other Reasons to Choose an RBC GIF
Low Minimums
Start investing with as little as $50 per month when you set up automatic contributions.
Choice
Choose from over 28 GIFs and 8 portfolio solutions, with options for growth, income and more.
Strength
Your money will be managed by the experts at RBC Global Asset Management.
Protect and Grow Your Investments
Ask us how segregated funds can help you reach your retirement goals.
Call 1-877 933-4800
Please refer to the information folder and contract to understand how the guarantees work.
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 (opens PDF in new window).