Invest Regularly

Investing regularly, such as through an automatic savings plan, can help you stay on track over the long-term. See how your savings can add up1,+ :

$50 per month $100 per month $250 per month $500 per month
Invested for 5 Years $3,489 $6,977 $17,443 $34,885
Invested for 10 Years $8,194 $16,388 $40,967 $81,940
Invested for 15 Years $14,541 $29,082 $72,705 $145,409
Invested for 20 Years $23,102 $46,204 $115,510 $231,020
Invested for 25 Years $34,650 $69,299 $173,249 $346,497

Invest Enough

Putting aside more money may seem like an obvious strategy, but sometimes it’s easier said than done. What if you aren’t sure where you can pull the money from to boost your contributions? An RBC Financial Planner can look at your entire financial picture—debt, cash flow, investments and more—to help answer that question.

The Value of Advice

Research shows that Canadians working with advisors have more retirement savings than Canadians who are saving without the advice of an advisor.2 Studies also show that professional financial advice has the potential to help you double—or even triple—your net worth3—even after fees!

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RBC Financial Planning is a business name used by Royal Mutual Funds Inc. (RMFI). Financial planning services and investment advice are provided by RMFI. RMFI, RBC Global Asset Management Inc., Royal Bank of Canada, Royal Trust Corporation of Canada and The Royal Trust Company are separate corporate entities which are affiliated. RMFI is licensed as a financial services firm in the province of Quebec.

1) Assumes a 6% annualized rate of return.The rate of return or mathematical table shown is used only to illustrate the effects of the compound growth rate and is not intended to reflect future values of the mutual funds or returns on investment in the mutual fund.

2) Source: Ipsos Reid, Value of Financial Advice, prepared for the Investment Funds Institute of Canada (IFIC), October 4, 2011.

3) Source: Ipsos Reid Canadian Financial Monitor.

+ There may be commissions, trailing commissions, management fees and expenses associated with mutual fund investments. Mutual funds are not guaranteed or covered by the Canada Deposit Insurance Corporation or by another government deposit insurer. For funds other than money market funds, unit values change frequently. For money market funds, there can be no assurances that a 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 a fund will be returned to you. Past performance may not be repeated. Please read the Fund Facts before investing.

Make Retirement Happen

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