Your Financial Future

How to Manage your Investments Effectively

You are probably quite familiar with managing your bank accounts, but managing your investments is a little different. As a newcomer to Canada, you may not be familiar with the way investment accounts and the markets work here. In addition, there is a broad range of investment products to understand.

Before you begin investing, you should have an understanding of:

• How investments in Canada work.
• Your investor personality or Investor Profile.
• The different types of investments available to you.
• How to make an effective investment plan.

Of course, as you’re managing your Canadian investments, an RBC representative is always available to answer any questions you might have or provide assistance.

Start with a visit to your branch

Visiting your RBC Royal Bank branch is a good way to get started.

At a branch, you’ll find brochures and guidebooks explaining the many investment products offered by RBC. You can also purchase certain types of investments, including RBC Mutual Funds and Guaranteed Investment Certificates (GICs).

You can also learn about RBC portfolios. These are collections of pre-picked investments chosen to meet the needs of particular types of investors.

While you’re at the branch, you might also want to book an appointment with an RBC advisor to complete your investor profile. This questionnaire is designed to identify what type of investor you are so that you can choose the right kinds of investments.

	Visit a branch to speak with an RBC representative.
	Call 1-800-769-2599 to speak with an experienced investment specialist, 24 hours a day, seven days a week.

Working with an RBC advisor

Once you are familiar with Canadian investing and your options, you may want take advantage of the benefits of working with an RBC advisor. An advisor will:

• Give you personalized advice.
• Help you design an investment plan and put it into action.
• Communicate with you on a regular basis.
• Explain the benefits of different investment options.
• Review your investment plan on an ongoing basis and recommend appropriate changes as your new life in Canada evolves and your needs change.

Your advisor will provide the level of support and guidance that you’re comfortable with. Some investors need assistance only with designing their portfolio and are comfortable making their own day-to-day decisions. Other people prefer more support on a more regular basis.

Find an RBC advisor.

Direct investing for the do-it-yourself investor

If you’re an experienced investor, you may prefer to manage your portfolio on your own. With RBC Direct Investing, you have access to all the tools and information you need to:

• Get quotes and information on stocks, mutual funds, GICs and other investments.
• Open and manage a Registered Retirement Savings Plan (RRSP), Registered Retirement Income Fund (RRIF) or Registered Education Savings Plan (RESP).
• Invest online 24 hours a day, seven days a week.
• Invest over the phone between 7 a.m. and 8:30 p.m.
• Track your portfolio’s performance.
• Research investment opportunities, learn more about investing and portfolio management or take advantage of online calculators.
• Speak with a licensed investment representative for assistance.

Find out more about RBC Direct Investing.

When you’re ready to become an investor, be sure to contact us. We can explore the many options we offer for managing investments and help you find a solution that fits you.

	Review the Investor Education Fund’s Investing Basics.
	Read the brochure Investing Your Dollars produced by the Canadian Bankers Association.

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