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Group Financial Services
Benefits to You
At Group Financial Services, we offer companies and their employees the advantages of today's financial marketplace with the strength and experience of RBC Financial Group, all in an easy to understand and user friendly group savings plan solution.

Group savings plans are programs offered by companies or associations to benefit their employees or members. To take part in a group savings plan, your company or association must have an established plan with RBC.

Employee Benefits

With an RBC group savings plan, employees get all the advantages associated with an individual investment account plus the added bonus of potential contribution matching from your employer, time saving features and potential tax-saving benefits.

  • Personalized investment advice from qualified investment professionals.1
  • A full range of investment options to help build a diversified portfolio.
  • Convenient payroll deductions to assist you in the savings process.
  • Potential reduced income taxes payable for each contribution period.2
  • No fees for most transactions. No annual group plan administration fees.3
  • Full portability. All plans may be transferred to an individual RRSP.
  • Quarterly statements with informative newsletter highlighting market trends and investment updates.
  • Access to a wealth of information and assistance over the phone by calling 1-800-ROYAL®1-1 (1-800-769-2511)

For more information, see Employee Overview.

Employer Benefits

Our plans are designed to provide your organization with the flexibility to offer employees a range of investment options, contribution matching program and personalized advice from qualified investment professionals without burdening you with high fees and administrative requirements.

  • Personalized support and service to establish, maintain and maximize the value of your plan.
  • Personalized investment advice, comprehensive tools and educational seminars for your employees.
  • No administration cost and low administration cost plans.
  • Minimal administrative requirements.
  • A wide variety of contribution matching and contribution remittance options.
  • The confidence you'll achieve by dealing with Canada's largest banking and financial services organization.
  • Easy to incorporate with your automated payroll services.

For more information, see Employer Overview.

Your Next Step

We're committed to offering you the help you need, when you need it. Reaching us is as easy as picking up the phone. Our Royal Direct service is free and available seven days a week.

To find out if your company has an RBC group savings plan or to start taking advantage of it, simply:

  • Call us at 1-800-ROYAL®1-1 (1-800-769-2511),
  • Visit one of our branches to open your account today
  • Talk to your human resources department

1 There is no investment advice provided for employees selecting the RBC Direct Investing account option within the Royal Choices Plan.
2 Applicable to Group RSP plans only. Subject to contribution limits, any payroll contributions made to an RBC registered group savings plan will reduce the contributor's gross pay, automatically decreasing their amount of taxable income.
3 Applicable fees include the management and related fees associated with mutual funds, which are deducted directly from the funds (please see the simplified prospectus for more details on the fees associated with mutual fund investing). Brokerage commissions and service fees may be incurred on the purchase and/or sale of securities.


Take Action
  Find a branch
  Call Toll Free
1-800-769-2511

03/20/09 11:00:06