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Stay Invested—Even After You’ve Retired

Invest for security and income with a wide selection of investment products.

View All Investment Choices

Make the Most of Your Savings with the Right Accounts

Easily Convert Your RRSP

Keep your investments growing on a tax-deferred basis in a self-directed RRIF or other income fund account type.

Learn More about RRIFs

Continue Investing, Tax-Free

You don’t need to earn an income to contribute to a TFSA–and you can keep contributing after age 71.

Learn More about TFSAs

Invest in a Non-Registered Account

If you’re maxing out the contributions in your TFSA, consider a Cash or Margin Account.

Simplify and Save Time

Whether you need regular income or prefer to reinvest your dividends, our automatic services make it easy.

  • Automatically reinvest the cash dividends you earn through the Dividend Reinvestment Plan
  • Keep your T-bills invested with our automatic Treasury Bill Rollover service
  • Receive a regular income stream with our Systematic Withdrawal Plan for mutual funds
Learn More about our automatic services

Find New Ideas and Build Your Investing Knowledge

Lifestyle Screeners

Choose from investment opportunities based on lifestyle themes that interest you (such as travel or sports).

Learn More about lifestyle screeners

Asset Allocation Models

See how investment professionals build and adjust the asset mix for different investor profiles (such as a conservative profile).

Learn More about model portfolios


Access research from sources such as Morningstar, Trading Central and RBC Dominion Securities.

Learn More about top-notch research

Connect with Other Retired Investors

See how other investors may be managing their portfolios in retirement. The Community1 is the perfect place to share ideas and discuss tax, income and investment strategies that can affect your finances in retirement.

Read about the Community

“What is the 100% Security Guarantee?”

We offer 100% reimbursement for any unauthorized transactions made through RBC Direct Investing Online Investing.2

Online Security Guarantee

“I want to be rewarded for my business.”

Enjoy access to premium research and other distinct services. Find out how to qualify.

Royal Circle Membership

I’m Ready to Get Started With RBC Direct Investing

Open an account online or try out our actual investing site — not a demo — with a practice account.