Royal bank online personal banking rbc decarie Explore the personal banking services and products available from RBC Royal Bank to help you manage your finances, buy a home, invest and more. The PNC Financial Services Group, Inc. “PNC” uses the marketing names PNC Wealth Management ® and Hawthorn, PNC Family Wealth ® to provide investment consulting and wealth management, fiduciary services, FDIC-insured banking products and services, and lending of funds to individual clients through PNC Bank, National Association “PNC Bank”, which is a Member FDIC, and to provide specific fiduciary and agency services through its subsidiary, PNC Delaware Trust Company or PNC Ohio.

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The Republic Money Market Fund is an open-ended mutual fund which allows you the opportunity to participate in the capital market in a simple, convenient and efficient manner. The investment objective of this fund is to seek a high total investment return for investors. We do this by investing primarily in a diversified portfolio of fixed income securities with a well defined investment strategy. The fund may invest in securities, including sovereign debt, of issuers in various countries. It invests to the extent that these securities provide a high income yield and/or are believed to be undervalued and offer the potential for capital appreciation. Total investment return is the aggregate of capital value changes and income. This fund is ideal for the short to medium term investor seeking higher net returns, without being exposed to significant risk. Debt securities traditionally provide higher investment returns than traditional savings and fixed deposit accounts. The fund therefore provides you with an attractive alternative for accessing potential higher returns on your funds. (established July 1, 2014 and formerly the asset management arm of the Trust and Asset Management Division [established 1938] of Republic Bank) is the appointed asset manager of the fund. has a knowledgeable investment team with over fifty years in investment management experience and manages billions in assets on behalf of individuals and institutional clients. Simply contact any one of our Marketing Officers who will provide additional information and help you open your Republic Money Market Fund. Interested investors can call 1-868-625-4411 extension 3064 or send an email to invest@Before visiting our branches, ensure you have: Two (2) forms of Identification (e.g. National Identification Card, Passport or Driver's License) Recent Utility Bill; Authorization Letter if Bill is not in your name Job Letter Pay slip Required Deposit for opening Important information concerning the investment goals, risks, charges and expenses is contained in the prospectus, copies of which are available from any branch of Republic Bank Limited or from our website and should be read carefully before investing. This investment is not insured or guaranteed by the Central Bank of Trinidad & Tobago, Republic Bank Limited, its parent company Republic Financial Holdings Limited, any affiliates or subsidiaries of the Republic Financial Group or any person or corporation. Performance is subject to variation and is likely to change over time. Past performance is not necessarily a guide to future performance. Roytrin Mutual Funds are open-ended funds specially designed by RBC Royal Bank as investment vehicles, to offer individual and institutional investors the opportunity to invest in professionally managed portfolios. The Roytrin Family of Mutual Funds consists of a TTD and USD Income and Growth Fund and a TTD and USD Income Fund. You are on: Features & Benefits tab Roytrin has consistently outperformed traditional deposit instruments. The small investor has access to a diversified portfolio of quality investments. Unlike other Mutual Funds, there are no charges when you buy units Roytrin's Family of Mutual Funds is managed by a team of professional investment managers with over 40 years experience and in excess of TT$20 billion in assets under management. Our investment team works in conjunction with some of the leading portfolio managers in the world for management of our US$ denominated funds. Roytrin's Family of Mutual Funds provides high liquidity by allowing clients to cash in their investments, at anytime Roytrin's Income Funds provide a steady source of income for its clients. Interest is compounded daily on both the TT$ and US$ Income Funds, ensuring investors get the highest return on their investment. Roytrin's Mutual Fund accounts can be opened with as little as TT$500.00 or US$100.00 with subsequent contributions as low as TT$100.00 or US$25.00 per month making it affordable to almost everyone. If your objective is high monthly interest income and safety of capital, then a Roytrin Income Fund best suits your needs. If your objective is long term capital appreciation and attractive income then you will be most interested in a Roytrin Income and Growth Fund. Effective January 4th 2010, Income Fund investor receive return as a combination of two factors: 1. Capital appreciation/depreciation of the Net Asset Value 2. Monthly Distribution of Income it is the combined effect of these two factors that enable the computation of an investors overall return. The return on the Income and Growth Fund is a function of both income and capital gains. Capital gains arise from the difference in the Net Asset Value (NAV) per unit at the time of purchase and redemption of units. Rbc money market fund rbc mastercard Earn our best interest rates and receive unlimited deposits with a RBC Bank cross-border Preferred Money Market Savings account. About RBC Canadian Money Market Fund RBC Canadian Money Market Fund is an open-end fund incorporated in Canada. The Fund seeks to preserve and maintain liquidity, while providing a steady stream. Key Details Investee: New Market Funds Vancouver-based fund that invests across Canada Industry: Real Estate & Rental Housing Vision: To increase the inventory of affordable housing units in metropolitan markets across Canada. RBC investment details: $1,000,000 structured equity Date of initial RBC investment: June 2016 Overview New Market Funds (NMF) takes an integrated investment approach to generate risk-adjusted market-rate returns and long-term community benefit. They work to increase the capacity and impact of investee organizations with the objective of making impact investing a mainstream practice. Their inaugural fund invests in new purpose-built, stabilized multi-family rental housing. To date, NMF has four investments committed and expects to invest in 4-8 additional partnerships to acquire newly constructed or substantially renovated affordable rental housing developments. The four committed investments amount to $11 million of equity across 358 rental units in Vancouver. With over $20 million in capital commitments to the first fund, NMF ultimately aims to secure over 600 new rental units across Canada, which will be affordable, on average, to households earning less than 80% of the area median income. Innovation and Philosophy One of the primary challenges in developing and investing in affordable housing is balancing market-rate returns with affordability. NMF has combatted this through innovative partnerships and capital stacking, which reduce risk and maintain long-term affordability. They also assist new projects by providing an investment commitment prior to construction financing and finalize funding upon successful completion and stabilization of the new property. This approach, in addition to working closely with community-based, non-profit and co-operative housing operators during the process, allows access to critical construction financing without exposing investors to development, construction, or occupancy risk. NMF targets exiting eight years after investing through self-financed structured sales to community-based operators. This is made possible through strategically sized investments, cashflow generation, and amortization of the mortgage. The affordability of each investment is protected after NMF’s exit. My employer offers contribution matching up to 3% into a group RSP with RBC. Within it I am restricted to owning GICs and RBC mutual funds. If you’ve done any of your own research or read some of my other pages you know that I am not a fan of mutual funds. At first I thought I could just open my own RRSP elsewhere and contribute there, but in doing so I’d give up the 3% salary contribution match. What if I just transferred any contributions from my RBC account into my other RRSP biweekly as they came? And that doesn’t include the opportunity cost of keeping that money out of the market for up to a month. Turns out RBC charges $50 to transfer funds, and it will take 2-4 weeks to transfer. My RRSP has upwards of 38 years to appreciate(since I’m only 27 right now), so an annual or even bi-annual transfer is almost certainly in my future. The promise of even marginal gains( Compounding interest is a magical thing! I can’t just let the money sit there and rot away until I accumulate enough to justify a $50 transfer. It’s time to take a close critical look at what my options are. When I started this job I knew next to nothing about investing, and I just assumed some magical thing was happening when money went into my RRSP. Turns out I was auto-investing in Guaranteed Investment Certificates (GIC), which DO have their place, but with 38 years ahead of me now is not the time to be conservative! The interest rate on these bad boys was a whopping 1.3%, and with inflation of 2% that’s a net loss of 0.7% per year! Our group RSP also gives access to the world of RBC mutual funds, and shortly after realizing I needed to ditch the GICs I called RBC, filled out my risk profile, and they recommended putting my money into RBC Select Aggressive Growth, which I blindly did. Fast forward to now and I thought I’d take a closer look at this fund. It has good allocation with 32.1% Canadian equity, 29.2% US equity, and 35.4% international equity. Good industry allocation with 25% in financials, and about 10% in the next top 4 (consumer products, IT, industrials, health care). Where it fails my criteria is a MER of 2.14%, and returns that don’t seem to be able to justify the high MER. But alas, maybe it is the best fund for me at this time. Data analysis and lots of assumptions on future performance! I’m only reviewing the funds I can actually own in my RRSP, which is most of them on this page, excluding any USD funds. I’ve summarized them all in an excel file which is where all the images on this page come from. I used the most up to date information they had, which ends July 31, 2015. I arbitrarily chose colours to differentiate between the types of funds according to the criteria below: I’m mostly considering funds based on my own needs, and the best funds for you, dear reader, may be different. Right now I have this RRSP, a TFSA, and a non-registered account. To make the most of my tax efficiency I need to hold bonds, US, and international equity in my RRSP. If you have questions about investing tax efficiency I recommend checking out Freedom Thirty Five’s blog post or Canadian Couch Potato. Here are the top 25 funds ranked according to their total return since inception. The first thing you should notice is that the top 13 funds are all less than 3.5 years old. Anything born after 2008 hasn’t lived through a market crash, and actually has been riding the 5 year bull market after said crash. So it’s really only fair to consider funds that lived through at least 1 crash. In my opinion the best performing fund is #15, Canadian Dividend. It has managed to hold onto over 10% annualized return despite living through the 20 crash. A MER of 1.76% is high, but much lower than all the funds surrounding it. Except maybe the O’Shaughnessy Canadian Equity fund, but that fund returned 2.5% less than Canadian Dividend. The other two funds that really catch my eye are #21 and #25. They have similar performance but 24 has a proven track record over the past 40 years. And remember that interest from bonds is taxed at your full income tax rate. Anyway the most interesting thing about this ranking is that the #2 spot goes to an . Bonds are more conservative, but I’m not totally dismissing them just because I’m young. Think about it, the fund that just sat and did nothing outperformed ALL of the actively managed funds except Life Science/tech. Most appealing in this section: Lets see who took advantage of the recent bull market best. And not by a little bit, but by nearly 4% every year over 5 years! It’s pretty clear that Life Sciences and Technology won that race, those sectors have been booming recently. Checking the calendar returns shows that in the past 10 years, the index fund RBF557 outperformed the nearly identical equity mutual fund RBF263 in 8/10 years. I kept finding this trend over and over comparing RBC index funds to their mutual fund counterparts. It’s clear that USA was the place to put your money over the past 5 years. All those purple global funds hold a large percentage in US stocks, which explains why they are also living large up top. The fund my money is currently riding on finally made an appearance in spot #19. It’s clear now that my money is better put elsewhere. Most appealing this section: To reiterate, this is from Jan 1st 2015 to July 31st 2015. Meaning it doesn’t include the massive losses we’ve seen in August. In fact international stock has topped out most of the US funds. And a quick check reveals that life sciences has dropped to the #4 position. Largely thanks to Japan because #24 there excludes Japan and look where it got them (24th place). And good old Emerging Markets Bonds made it into the top 25! Since the August shenanigans it has only dropped about 1%, which is what normally occurs with bonds during market crashes. Just for kicks I made this list up to 26 to include my old slacker friend Aggressive Growth. Well I don’t know about you guys, but I’m not sure I can stomach the -44% in 2013 even if I got back to back years of 65% returns. It seems other people have done a similar analysis to what I’ve done. Not pictured is most of the complete portfolio funds falling between rank 26 and 47 (out of 88 funds total) Mostly for fun, I’ll talk about some winners and losers in a few interesting categories. You did make up for it in 2013 with a 43.1% gain in one year. Canadian equity income came out of nowhere on this one! The thing about Life/Tech is that for 3 years it did basically nothing, then lost 29% in 2008. I am willing to bet that the reason there is so much yellow here is because RBC advisors recommend those most. However your compatriots made up for it in 2009 (and 2007? The top 4 in this list also correspond to the worst returns of any fund in all 10 years. Bonds are the way to save yourself in a market crash! After 4 years you are heavily in the red on this fund, do you realistically think you would have kept your money in what appeared to be a dying fund like that? Not that there’s anything wrong with any of these funds. For pure returns you can do better though based on everything that I’ve mentioned so far. It’s interesting to see that the #5 spot goes to a fund started only 6 years ago, compared to the second youngest fund being 22 years old. I assume that there was a big demand for a “very conservative” fund after the 2008 crash. It has performed well so far with its worst year being 2.5%. These are NOT ranked, they are ordered according to their tracking number. Speaking for myself, I plan to hold all my Canadian equity in my taxable account, and most of my international and US equity in my TFSA. My RRSP is going to be home for bonds and some more US equity. I included the Canadian and international equity funds just in case you feel like creating your own “balanced portfolio solution” instead of using RBCs prepackaged ones. This way you could decide exactly how much of each sector you wanted to invest. A possible portfolio might be: I hesitated including Canadian Dividend on this list because of how favorably dividends are taxed. Since the gains in your RRSP are all tax-free (sort of) you are better off keeping Canadian equity in a taxable account and saving tax-sheltered RRSP space for investments that are heavily taxed. Ultimately it’s more important to get started investing than it is to find the “perfect” investment. If you only have one of the prepackaged portfolio funds you’ll be fine. If you want to stretch your RRSP as far as you can you should start customizing your investments. Remember that a 0.2% higher return can get you an extra $25,000! This is a good time to mention that what you have read here or anywhere on this website is for educational purposes only and does not constitute professional financial advice. Do your own research and accept the consequences of your actions. I am not responsible for any financial losses that may result from you acting on the information you received by using this site. Once again, click the link below to download the file I used in my research (Don’t worry it’s clean). Or you can click here to be taken to the RBC webpage that should have the latest statistics on these funds. I’m changing three of my recommendations since I didn’t realize that I’m contradicting myself with the verdict above. RBC Mutual Fund Comparison excel file If you found anything else worth mentioning about these funds I’d love to hear about it. I should follow my own advice and not buy funds with a high MER. Here are the replacements: I left in RBF274 and RBF497 because I feel they are a good way to increase the risk (and hopefully reward) in a young person’s portfolio. They come at the cost of a higher MER, but RBC doesn’t offer any low cost index funds in these sectors. Like I mentioned above, in some rare cases a high MER can be justified if it’s the only way to get those returns. The four index funds are the same ones recommended by the Canadian Couch Potato.

Roytrin Mutual Funds are open-ended funds specially designed by RBC Royal Bank as investment vehicles, to offer individual and institutional investors the opportunity to invest in professionally managed portfolios. You are on: Tabbed 1 page for Primary tabs The Roytrin Family of Mutual Funds consists of Money Market Funds, Income Funds, Income and Growth Funds, and High Yield Funds. Many of the funds can be opened with as little as TT$500.00 or US$100.00 with subsequent contributions as low as TT$100.00 or US$25.00 making it affordable to almost everyone. The funds have a range of objectives and currencies to meet each of your investment needs. Investors may purchase Units of the Funds at all branches of RBC Royal Bank (Trinidad and Tobago) Limited or through your Investment Specialist. To find out more about our investment options and to help to determine which of these funds would be suitable for your needs, contact one of our Investment Specialists: You are on: Tabbed 2 page for Primary tabs Mutual funds consistently outperform traditional deposit instruments. The small investor has access to a diversified portfolio of quality investments. The NAV per unit for each fund is calculated daily so that the prices of units accurately reflect the true value of the funds' underlying assets. This provides the client with transparency about the true value of their holdings and is in line with international standards. *The NAV per unit is the Net Asset Value of the Fund which is calculated as the total assets of the fund less its total liabilities, divided by the total number of outstanding units. Unlike other Mutual Funds, there are no charges when you buy units. Roytrin's Family of Mutual Funds is managed by a team of professional investment managers with over 40 years experience and in excess of TT$20 billion in assets under management. Roytrin's Family of Mutual Funds provides high liquidity by allowing clients to cash in their investments at any time. Roytrin's Mutual Funds provide a steady source of income for its clients. The Money Market Funds pay interest daily, the Income Funds pay interest monthly and the Income & Growth Funds pay income quarterly. Many of Roytrin's Mutual Fund accounts can be opened with as little as TT$500.00 or US$100.00 with subsequent contributions as low as TT$100.00 or US$25.00 making it affordable to almost everyone. You can make regular subscriptions to your Roytrin mutual fund account by setting up a standing order at your branch or via our Online Banking and Mobile Banking platforms. We have upgraded our Online Banking and Mobile Banking platforms so that you can now do the following: The benefits are as follows: Professional Management – The funds are managed by Investment Managers who have the required knowledge and expertise in the area of investment of funds. Diversification – Mutual Funds invest in a diverse range of underlying investment instruments thereby reducing the risk of the portfolio. Liquidity – Units held in the fund are readily converted to cash. Competitive Returns – Returns are higher than those of traditional Bank deposits. Convenience – You can invest in Roytrin at any RBC Royal Bank branch across the nation. The NAV is the Net Asset Value of the Fund which is calculated as the net assets of the fund (i.e. the fund's total assets less liabilities) divided by the total number of outstanding units of the fund. Simply visit any branch of RBC Royal Bank branch or complete our Roytrin Mutual Funds Preliminary Application Form and one of our officers will contact you. Complete our Roytrin Mutual Funds Preliminary Application Form and one of our officers will contact you. A team of Financial Planners is available to help you to learn more about our investment options and help you to determine which of these funds are suitable for your needs. You may also speak with an Account Manager or Senior Account Manager at your branch. Mutual Fund companies assess additional fees – for example, deferred sales charges on back-end load funds, early redemption fees, setup fees and charges for insufficient funds on pre-authorized purchases. Management fees and operating expenses are paid by the mutual fund. There may be trailing commissions associated with these mutual fund investments. There may be commissions, trailing commissions, management fees and expenses associated with mutual fund investments. Please read the prospectus or Fund Facts before investing. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated. For money market funds there can be no assurances that the fund will be able to maintain its net asset value per security at a constant amount or that the full amount of your investment in the fund will be returned to you. Rbc money market fund rbc st sauveur The Roytrin Money Market Fund is an open-ended mutual fund that specifically targets investors seeking to invest in short-term securities which offer high liquidity and a competitive rate of return. The objective of the Fund is to provide current income and liquidity, while seeking to preserve capital, by investing in a range of high quality. An investment in a money market fund is neither insured nor guaranteed by the Federal Deposit Insurance Corporation FDIC or any other government agency. Although money market funds seek to preserve the value of your investment at $1 per share, it is possible to lose money by investing in a fund. Earn our best interest rates and receive unlimited deposits with a RBC Bank cross-border Preferred Money Market Savings account. I recently received an email from a reader who is trying to evaluate the RBC Managed Payout Solution mutual funds for an elderly relative. He wrote: “My relative needs safety of her capital and a reasonable return of /- 3.5 per cent. She needs to draw about 5 per cent per year to meet her living expenses, which this fund indicates can be done. ” Well, for starters, there is not one fund but three, all of which RBC says are designed to offer tax-efficient cash flow while minimizing risk. The funds are RBC Managed Payout Solution (MPS), RBC Managed Payout Solution – Enhanced, and RBC Managed Payout Solution – Enhanced Plus. All are funds of funds; that is they invest exclusively in other RBC funds. The difference is in the amount of money they pay out and in the asset mix, which affects the risk level. RBC MPS: This fund invests in nine RBC funds, with a heavy emphasis on bonds and short-term income. It is the least risky of the three, with almost two-thirds of the assets in fixed income funds, 5.1 per cent in cash, and the rest in equities. The current monthly payout is $0.038 ($0.456 per year). That works out to a yield of 5.1 per cent based on a recent price of $9.02 (A units), which is slightly higher than the target income goal set by our reader. This fund can trace its history back to August 2004 so we have a solid track record to work with. The 10-year average annual compound rate of return to June 30 was 4.14 per cent, above average for its peer group. Although this fund is conservatively invested, it won’t be immune when the market goes south. Its worst one-year return was a loss of 10.44 per cent in the 12 months to February 2009. That reflected the impact of the 2008 financial crisis. Since then, the fund has only lost money in a single calendar year, dropping 0.6 per cent in 2015. RBC MPS – Enhanced: This fund is somewhat more aggressive, although it still favours fixed income securities. About 60 per cent of the portfolio is invested in bond funds and cash with about 40 per cent in stocks. This asset mix suggests a somewhat higher risk level than the basic MPS fund, and the numbers confirm this is the case. The worst 12-month period (also to February 2009) shows a loss of 15.7 per cent. However, you get a somewhat better return for taking on more risk. The 10-year average annual compound rate of return is a little higher, at 4.28 per cent, with a one-year gain of 6.68 per cent. The current monthly payout is $0.0435 ($0.522 annually) for a yield of 6.1 per cent based on a recent price of $8.53. The management expense ratio here is 1.83 per cent. RBC MPS – Enhanced Plus: This is the most aggressive – and therefore the most risky – of the three funds. About 40 per cent of the portfolio is invested in bond funds and cash with the rest in equity funds. The RBC Canadian Dividend Fund is the largest holding at 21.3 per cent of total assets. As you might expect, given the strong bull market we have experienced in recent years, this fund’s tilt to the equity side has resulted in the best returns, with a five-year average annual gain of 6.85 per cent and a one-year advance of 8.70 per cent. But the 10-year average annual compound rate of return is below that of the other two at 3.82 per cent. That reflects a loss of 23.05 per cent during the 2008-09 crash. The current payout rate is $0.039 per month ($0.468 per year) for a yield of 7.2 per cent based on a recent price of $6.49. That’s a very attractive rate but don’t lose sight of the extra risk involved. Based on the parameters outlined by our reader, the basic RBC Managed Payout Solution Fund offers the best combination of cash flow and safety. The other two are well worth considering by those who are willing to accept a little more risk for a better return.