Frequently Asked Questions

The process begins by looking at the big picture – your financial needs, lifestyle, investing preferences, investment time horizon and tolerance for risk. Based on your investment objectives, your RBC financial planner will recommend an RBC Managed Portfolios investment profile. After selecting your profile, your money is invested in RBC Private Pools and RBC Funds, the building blocks of your portfolio.

If you do not already have a financial planner at RBC, visit your local
RBC Royal Bank branch or call 1-800-769-2511.

When markets are volatile, it is easy to let your emotions dictate your investment decisions – and that can hurt your long-term returns. Instead, we use a disciplined approach to research the markets, construct your portfolio, select your investments and rebalance your portfolio when necessary.

Once you have selected your RBC Managed Portfolios investment profile, your money is invested in RBC Private Pools and RBC Funds. Although the RBC Private Pools are similar to mutual funds, they differ in that:

• Their investment mandates are more focused with fewer holdings
• They have higher minimum investment requirements
• They are only available to select RBC clients through programs like RBC Managed Portfolios

RBC Global Asset Management manages your investments in accordance with the RBC Managed Portfolios investments profile you select. The investment profiles are monitored closely to ensure they remain suitably invested and properly diversified.

The RBC GAM Investment Strategy Committee, chaired by Dan Chornous , Chief Investment Officer of RBC Global Asset Management, is a team of top investment professionals at RBC. The committee meets quarterly to formulate a detailed global investment forecast. This forecast is used to determine the appropriate mix of investments for each RBC Managed Portfolios investment profile.

In addition to reviewing your account balance and portfolio holdings with RBC Online Banking, you can stay up-to-date through:

• Annual meetings (at minimum) with your RBC financial planner, on a schedule that is comfortable for you
• This web site, which provides updates for market activity, the economy and the investment profiles
• Your comprehensive quarterly statement, which outlines your account holdings, the activity that has occurred, and a personalized rate of return
• The quarterly Inside RBC Managed Portfolios newsletter which accompanies your statement

The tiered-fee structure of the program means that the percentage fee you pay decreases as your investments in the program grow. In addition, fees are based on your total household investments in the program, which can include RBC Managed Portfolios accounts held by you, your spouse, child or even your personal holding company – as long as all of the accounts share the same address.

An additional potential advantage is the tax deductibility of investment management fees for non-registered accounts. Consult your tax advisor regarding the tax deductibility of RBC Managed Portfolios investment management fees.