Help your clients invest in their future confidently with RBC Insurance Guaranteed Investment Funds
The time has never been better to offer your clients RRSP solutions that combine the growth potential of mutual funds with the security of principal guarantees – along with estate planning benefits and more.
RBC Guaranteed Investment Funds (GIFs) bring your clients the balance they seek as they invest in their future.
Strength
Investment management of RBC GIFs is provided by RBC Global Asset Management®1 and the strength of over 350 investment professionals and 18 investment teams whose fund and portfolio solutions deliver the global opportunities your clients are seeking.
Simplicity
An easy-to-understand, manageable fund lineup with a variety of asset classes, RBC GIFs come with low MERs for all clients – making them even more competitive in the high-net worth space. Experience a new level of ease and efficiency with RBC GIF E-Forms.
Consistency
Since launch in 2006, we’ve continued to make significant enhancements and improve our offering year over year – by adding features and funds without creating legacy products.
- Protection of assets through principal guarantees – a valuable feature to help safeguard your clients’ investments during periods of market volatility.
- Option to increase your clients’ protected amount.
- Estate planning benefits – bypass probate, reduce costs and maintain privacy.
- Potential creditor protection for non-registered assets – especially important for your business owner, professional and self-employed clients.
Meet your clients’ needs for growth and protection
- Maturity guarantee - Segregated funds come with a maturity date, on which your client will receive either the market value or the minimum guaranteed amount, whichever is higher.
- Death benefit guarantee - If your client passes away, their beneficiaries will receive either the market value or the minimum guaranteed amount, whichever is higher.
- Estate preservation - Segregated fund death benefits can pass directly to your clients’ named beneficiaries, bypassing probate and avoiding any probate fees and some provincial taxes.
- Creditor protection - As insurance products, segregated funds with certain types of beneficiaries may be protected from creditor claims in the event of bankruptcy – especially beneficial for business owners.
- Optional annual resets - Give your clients the freedom to make annual resets and deposits to age 90 – in order to lock in market gains.
Discover & Share
Be sure to share these helpful articles with your clients.
Investing With a Purpose: Understanding Socially Responsible Investing
Planning for retirement with Spousal RRSPs
What are Segregated Funds, and How Can They Complement an RRSP Portfolio?
Segregated Funds vs Mutual Funds
Marketing Materials, Forms and Other Tools
- Get an RRSP Working For Your Retirement
- Strategies to Maximize the Growth of Your RRSPs
- RRSPs - A Smart Estate Planning Opportunity
- Comparing the Tax-Free Savings Account and RRSPs
- TFSA Fact Sheet
- RBC GIFs Client Guide
- Protect Your Family's Legacy with Estate Planning
- 2024 Tax and Retirement Guide
- View all RBC GIF/RRSP resources.
Learn more about RBC GIFs anytime. Reach out to speak with a sales consultant.
MGA
MGA
1-866-235-4332
IIROC/MFDA
IIROC/MFDA
1-888-770-2586
Option #3
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 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. When clients deposit money in an RBC Guaranteed Investment Funds contract, they are not buying units of the mutual fund or portfolio managed by RBC Global Asset Management Inc. and therefore do not possess any of the rights and privileges of the unitholders of such funds. Details of the applicable Contract are contained in the RBC GIF Information Folder and Contract at www.rbcinsurance.com/gif.
As of September 30, 2024