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Group Investment Account (GIA) |
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| | Similar to the Royal Choices Group RSP, the Royal Choices GIA provides a flexible and comprehensive group savings plan for non-registered contributions that gives your plan members access to the complete investment offerings available from RBC Financial Group including:
RBC Royal Bank
Advice from qualified investment professionals available through the extensive RBC branch network and invest-by-phone is available to help members invest using the comprehensive line-up of RBC Funds, Guaranteed Investment Certificates (GICs) and savings accounts.
Minimums
- $25 per investment, per payroll contribution, depending on investment selected
- Minimums on investment options applicable
Features
- Advice from qualified investment professionals
- Quarterly statements with informative investment newsletter
- Toll-free telephone number to assist members with questions and provide investment advice
- No annual group savings plan administration fees
Investment Options
- Savings deposits
- Guaranteed Investment Certificates (GICs)
- Over 50 RBC Funds to choose from
RBC Dominion Securities
For members who have accumulated a certain level of assets. Through RBC Dominion Securities your plan members have access to a comprehensive investment line-up and advice from Canada’s leading full service brokerage.
Minimums
- Minimum $50,000 plan balance
- Minimums applicable on individual investment options
Features
- Advice from qualified investment professionals
- Access to Canada’s leading full service brokerage
- Top-ranked investment research and strategy
- Convenient portfolio evaluation and monitoring tools
- No annual administration fees when the minimum plan balance is maintained1
Investment Options
- Money market, GIC and other fixed income products
- Over 3,000 Canadian mutual funds to choose from
- Stocks and bonds
- Rights, warrants, options and more
RBC Direct Investing
For your plan members who prefer the do-it-yourself approach, RBC Direct Investing provides access to on-line investing, up-to-date information, in-depth research and the tools they need to follow through on their investment decisions.
Minimums
- Minimum $100 per payroll contribution
- Minimums applicable on individual investment options
Features
- Convenient 24 hour online access to accounts
- Online research, tools and information to help develop investment strategies
- Toll-free access to investment service representatives during normal business hours
- No annual administration fees when the $25,000 minimum plan balance is maintained1
Investment Options
- Money market, GIC and other fixed income products
- Over 3,000 Canadian mutual funds to choose from
- Stocks and bonds
- Rights, warrants, options and more
1 Brokerage commissions and service fees may be incurred on the purchase and/or sale of securities.
The RBC Advantage
By choosing the Royal Choices Plan, your organization benefits from:
- An unmatched level of flexibility and choice for plan members
- No cost setup of Group RSP plans
- Total control over which plans are offered and the level of contribution matching
- Dedicated regional support
- Toll-free telephone access to our Expert Advice Centre
- Seamless processing of employee contributions with multiple submission options
- Enrollment and education seminars provided at your discretion
Your plan members benefit from:
- access to qualified investment professionals to assist them within the investment selection process
- Enrollment sessions and education seminars
- On-going plan member communications
- The ability to switch to an individual retail account should they leave the group savings plan
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