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These days, more and more Canadians are looking for a retirement
savings plan that gives them the power to choose from a wider
range of investment opportunities, provides them with the
potential for greater returns and allows them to match their
investments to their comfort level.
A RBC Direct Investing RSP can help you build a well diversified
portfolio. It gives you access to a whole range of RSP-eligible
investments, including GICs, treasury bills, money market
instruments, bonds, strip bonds, stocks, over
2,500 mutual funds
, and more.
There is NO FEE for a RBC Direct Investing Self-Directed RSP if
you maintain a balance of $25,000 or more. If your balance
is less than $25,000, you pay a low annual administration
fee.
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Use our convenient online form to transfer your RSP account from another
institution to RBC Direct Investing.
Learn More |
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Spousal Retirement Savings Plan
By directing part of your annual contribution into a Spousal
RSP, you can build a separate retirement fund for your spouse
and gain the benefit of a tax deduction now.
Here is how it works:
- Each year, you can split your allowable
contributions between your RSP and a separate Spousal RSP set up
for your spouse.
- You receive the same deduction as if you
were contributing to a single RSP.
- This allows you to save taxes during your retirement
years by splitting your retirement income with your spouse.
Locked-in Retirement Account
You can transfer locked-in funds from a registered pension
plan to a separate RBC Direct Investing RSP called a Locked-in Retirement
Account (LIRA). You'll pay only one annual administration
fee, no matter how many RSPs are registered in your name.
Contribute to your RSP without cash
Another advantage of the Self-Directed RSP is the ability
to contribute RSP-eligible securities from your RBC Direct Investing
Investment Account. The value of each direct security contribution
to your RSP is based on the previous day's closing price
of the security on the date of your contribution.
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RBC Registered Rewards.
For every dollar you spend on your eligible RBC Royal
Bank Visa card, you earn 1 RBC Rewards point. In turn,
you can redeem your points for an RBC Registered Rewards
voucher that you can make a contribution into your RBC Direct Investing
RSP, just like cash.
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Make the right move and start enjoying the speed, security and reliability of RBC Direct Investing. |
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