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Investing in Canada can be done through mutual funds. The following is Top 10 Popular Canadian Mutual Funds. These funds include: Fidelity Canadian Asset Allocation Ser B, Investors Dividend Cm RBC Canadian Dividend, TD Canadian Bond I, CI Harbour Growth & Income, RBC Monthly Income, and more. Please check back for more popular and best investment funds on my website. Introduction Mutual Funds have become popular in Canada for investment vehicle. In general mutual funds can be divided into three main categories: Money Market Funds, Fixed Income Funds or Bond Funds, and Equity Funds or Stock Funds. From these main categories, some of these funds may be classified into individual branches such as: As investors, you need to be proactive in your investing style either for asset diversification or capital appreciation. Choosing the right fund or funds may be one of the reasons. Several reasons to invest in these popular Canadian investment funds are: As the most popular investment fund, this Fidelity Canadian Asset Allocation fund's objective is to achieve high total investment return. This balanced fund uses an asset allocation approach. It invests mainly in a mix of Canadian equity securities or stocks, fixed income securities or bonds, and money market instruments. It may also invest in foreign securities to take advantage of market opportunities. Morningstar has rated this Canadian investment fund with 4-stars rating. Since its inception, this fund has recorded 13 years of positive return. Fund Details This Fidelity Canadian Asset Allocation Series Fund manager is Robert Swanson since April 2006. There is no 12b1 fee or front-end sales load fee for this fund. The best achievement occurred in year 2009 with 24.81%. It also has 3 years of negative return and the worst performance occurred in year 2008 with -19.26%. The performance of this mutual fund based on the load adjusted returns is 11.87% over the past year and 5.99% over the past ten years. Should you are interested to invest in this Canadian fund; you will need 500 CAD for either regular brokerage or IRA account. Investor will need 50 CAD minimum for subsequent investment. The other series of this Fidelity Canadian Asset Allocation Series Fund are Series A, Series T5, Series T8, Series S5, Series S8, Series F and Series O. Please take note that there is other quite similar fund in Fidelity, which is Fidelity Canadian Asset Allocation Class. The top ten investments of this fund as of May 2011 are Cash & Cash Equivalents, Toronto-Dominion Bank, Suncor Energy, Potash Corp of Saskatchewan, Canada Housing Trust No.1, Cenovus Energy, Bank of Nova Scotia, Goldcorp, Canadian Imperial Bank of Commerce and Enbridge. There are total 701 investments and these top ten investments make up 29.8% of the total fund. Principal Risks of this fidelity fund include Credit risk, Equity risk, Interest rate risk, etc. More details can be found from the fund's prospectus and website. The Investors Dividend fund seeks to provide above-average income yield on its investments, protect the value of its investments, and achieve long-term capital appreciation consistent with the fulfillment of the first two objectives. This fund is categorized in Canadian Equity Balanced category. This Investors Group mutual fund has been introduced to public since March 1962. It also has a yield of 3.65% per year and the annual expense ratio is 2.89%. This fund has 21.29% annual holdings turnover rate. Dividend Funds Since its inception, this equity fund has recorded 37 years of positive return and 11 years of negative return. The best 1-year total return was achieved in year 2009 with 25.76% and the worst performance was occurred in year 2008 with -22.50%. This fund has returned 13.23% over the past year and 5.27% over the past ten years. The Morningstar has given this Investors Dividend fund with 3-stars rating. The other classes of this fund are Class A and Class B. The top holdings of this fund as of May 2011 are Royal Bank of Canada, Bank of Nova Scotia, Trans Canada Corp, Bank of Montreal, CI Financial, Manulife Financial, Husky Energy, Power Financial Corp, TELUS Corp and Grest-West Lifeco. The top sector weightings as of May 2011 are Financials (51.50%), Energy (18.78%), Other (11.99%), Telecommunication Services (9.30%), Utilities (4.93%), Consumer Discretionary (2.21%) and Consumer Staples (1.29%). As one of the big mutual fund firm, RBC offers several popular mutual funds. RBC Canadian Dividend fund is one of this investment fund. RBC Canadian Dividend fund seeks to achieve long-term total returns consisting of regular dividend income, which benefits from the preferential tax treatment given to dividend income, and modest long-term capital growth. This RBC fund invests mostly in common and preferred shares of major Canadian companies with above average dividend yields. This RBC Canadian Dividend fund is categorized in the Canadian Dividend and Income Equity category. As mentioned, this fund is managed under the management of RBC Global Asset Management Inc. Stuart Kedwell has managed this fund since April 2007. It has returned 18.02% over the past year, 2.75% over the past three years and 8.32% over the past ten years. To start investing in this RBC fund, you will need a minimum of 500 CAD for either regular brokerage or IRA account. Currently, the fund's dividend yield is 1.27% per year. This fund has recorded 14 years of positive return and 3 years of negative return. The minimum subsequent investment for both accounts is 25 CAD. The best achievement was achieved in year 1997 with 35.38%. There are many other classes or series available for this fund, such as: The asset mix of this fund as of June 2011 is 92.0% in Canadian Equity, 4.0% in Cash, 2.4% in Fixed Income, 1.1% in US Equity and 0.5% in Other. The top ten holdings are The Toronto-Dominion Bank (6.9%), Royal Bank of Canada (6.9%), Bank of Nova Scotia (5.2%), Canadian Imperial Bank of Commerce (3.7%), Bank of Montreal (3.6%), Suncor Energy Inc (3.3%), Enbridge Inc (3.1%), Power Corporation of Canada Sub Vtg (2.9%), Brookfield Asset Management Inc A (2.9%) and Manulife Financial Corporation (2.7%). This total holdings of this fund are 104, consists of 77 stock holdings, 11 in bond holdings and 16 in other holdings. Listed as the forth popular fund, this TD Canadian Bond fund invests primarily in high quality bonds and other debt issued by Canadian governments and companies. Up to 30% of the fund may be invested in foreign securities. This TD Canadian bond fund was created and introduced to public in June 29, 1988. There is 1.08% Management Expense ratio if you are investing in this Toronto Dominion fund. This fixed income fund is managed by TD Asset Management Inc. This fund is classified as Canadian Fixed Income investment fund. As of July 2011, this fund has total assets of C$ 9.84 billion. The minimum amount to invest in this fund either in non-RSP investment or RSP investment is $100. The minimum subsequent investment applies for both investments ($100). Morningstar has ranked this fund with 4-stars return rating. This best fund has returned 6.79% over the past year and 6.22% over the past ten years. For YTD, this fund is on the 9% rank in the Canadian Fixed Income Category. The benchmark of this fund is Bof A Canada Board Market TR CAD. The top investments of this fund as of June 2011 are Province of Ontario Residual, Government of Canada, The Toronto-Dominion Bank, Government of Canada, Cash & Other Net Assets, Manulife Financial Capital Trust and Alberta Capital Finance Authority. The top ten investments out of total 212 investments represent 19.3% of total fund value. The investment assets as of June 2011 are allocated as follow Corporate Bonds (59.7%), Federal Bonds & Guarantees (15.4%), Provincial Bonds & Guarantees (13.4%), Mortgage-Backed Securities (5.5%), Supranationals (3.2%), Cash & Other Net Asses (1.7%), and Municipal Bonds (1.1%). This CI Harbour Growth & Income fund's objective is to obtain long-term total return through a prudent balance of income and capital appreciation. It invests primarily in equity and equity-related securities of mid- to large-capitalization Canadian companies and fixed income securities issued by Canadian governments and companies. The proportion of the fund's assets invested in equity and fixed income securities may vary according to market conditions. Any change to the investment objective must be approved by a majority of votes cast at a meeting of unit holders held for that reason. As part of CI Financial Group advisor, Gerald Coleman has been managing this CI fund since its inception in June 1997. This fund is in the category of Tactical Balanced fund. This fund doesn't share any dividend yield and the annual expense ratio is 2.40%. This equity fund has performed in the past 13 years with 11 years of positive return & 2 years of negative return. This fund's best 1-year total return was achieved in year 2009 with 21.20%. Based on the load adjusted return, this fund has returned 13.9% over the past year and 3.0% over the past five years. Besides Class A, this fund is also available in Class F and Class I. As of July 2011, the top ten holdings of this fund represent 35.36% of the total portfolio. They are Suncor Energy, Tim Hortons, BHP Billiton Limited, Canadian National Railway, Intact Financial, Potash Corp. of Saskatchewan, TD Bank, Bank of Nova Scotia, Manulife Financial, and JP Morgan Chase & Co. The asset allocation of this fund is Canadian Equity (49.3%), Cash (18.7%), United States Equity (16.6%), International Equity (10.3%) and Bond (5.1%). This fund has annual holdings turnover rate of 38.8%. Morningstar gave this RBC Monthly Income fund with 5 stars rating. As the second RBC mutual fund in this popular fund list, the RBC Monthly Income fund seeks to provide relatively tax efficient monthly distributions consisting of dividend income, interest income and capital gains, and the potential for modest capital growth. Since its inception, this RBC investment fund has 11 years of positive return and only 2 years of negative return. The fund will try to provide a high regular monthly income. The best achievement of 1-year total return was achieved in 2000 with 19.77%. Money Market Fund This RBC fund has been managed by Jennifer Mc Clelland since April 2007. Based on the load adjusted return, this fund has returned 7.68% over the past ten years, and 4.22% over the past three years. Investor may choose from the other series of this fund, such as Series Advisor with Front End load (Code: RBF763), Series Advisor with Low Load (Code: RBF115) and Series F with No Load (Code: RBF602). She is the Vice President and Senior Portfolio Manager of Canadian Equities. The top 5 sectors of this fund as of June 2011 are Financials (41.8%), Energy (22.0%), Materials (12.5%), Consumer Discretionary (5.1%) and Industrials (5.0%). The top 25 holdings of this fund represent 37.0% of the total portfolio. This RBC fund has a total of 315 holdings as of June 2011 that consists of 101 stock holdings, 204 bond holdings and 10 other holdings. The RBC Balanced fund objective is to provide a combination of capital growth and modest income. This RBC fund invest majority of assets in a balance of Canadian equities or stocks, bonds (fixed incomes), and short-term debt securities. This RBC fund was introduced to public in September 1987. To start investing in this fund, you will need a minimum investment of $500 with the subsequent investment of $25. This popular mutual fund has returned 5.84% over the past year and 3.86% over the past ten years. While popular, it only receives 2-stars rating from Morningstar. The other series of this fund are Advisor Series (with choice of Differed Sales Load or Front End Load or Low Load), F Series with No Load and T Series with No Load. As of June 2011, the asset mix of this RBC Balanced fund is Canadian Equity (37.2%), Fixed Income (34.5%), US Equity (12.5%), International Equity (10.9%) and Cash (5.0%). The top holdings of this fund are RBC Emerging Market, Canada Government, The Toronto-Dominion Bank, Royal Bank of Canada, Suncor Energy Inc, Bank of Nova Scotia, Quebec Prov and Potash Corporation of Saskatchewan Inc. The RBC Select Conservative Portfolio fund is seeking to offer income and the potential for moderate capital growth. This RBC Select Conservative Portfolio fund invests mostly in other RBC Funds, emphasizing mutual funds that invest in Canadian fixed income securities. These RBC fund typically have the potential to generate income. As part of fund of funds, the fund's portfolio maintains a balance of investments across several asset classes for diversification. This fund is in the category of Global Neutral Balanced fund. As part of RBC Global Asset Management, this RBC Select Conservative Portfolio fund was established on December 1986. It shares 1.26% of dividend yield that is distributed quarterly. If any capital gains exist, it is distributed annually. This balanced fund is currently open to new investors with the minimum investment of $500 for either regular brokerage account or retirement (IRA) account. There is a compulsory of $25 subsequent investment. For the no load fund, there is Series F (Code: RBF657) available. For the Advisor Series, there are three options: Advisor Series with Deferred Sales Load, Advisor Series with Front End Load and Advisor Series with Low Load. It also has achieved 21 years of positive return and 3 years of negative return. This fund has returned 3.89% over the past decade and 2.30% over the past five years. This RBC Select Conservative Portfolio fund has a total of 1,590 underlying holdings (729 bond holdings, 692 stock holdings, 169 other holdings, and 12 portfolio holdings). The asset mix of this fund as of June 2011 is Fixed Income (50.9%), Canadian Equity (16.3%), US Equity (12.2%), International Equity (11.2%) and Cash (9.3%). The top 5 sectors are Financials, Energy, Materials, Industrials and Consumer Discretionary. As the fifth popular RBC fund in this list, RBC Bond fund seeks to achieve above average, long-term total returns consisting of interest income and moderate capital growth. This RBC fund invests primarily in high-quality bonds or fixed incomes issued by Canadian governments and corporations. This RBC Bond Fund is categorized as one of the investment fund in Canadian Fixed Income Fund. This bond fund was introduced to public in July 1966. This fund has an annual expense ratio rate of 1.18% and it also has an annual holdings turnover rate of 45%. This fund has 3.06% dividend yield and this dividend is paid quarterly. The total net assets of this fund are $7.2 billion. The fund uses DEX Universe Bond Index as its benchmark. Morningstar has rated this fund with 3-stars return rating. It has 5.03% YTD return, which is the highest among all the other funds mentioned in this article. The performance of this fund is as below: The asset mix of this fund as of June 2011 is Fixed Income (97.1%) and Cash (2.9%). The fixed income breakdown is Corporate Bonds (51.7%), Government Bond (43.7%), ST Investments (2.9%), Other Bonds (1.4%), Asset Backed Securities (0.2%) and Mortgage Backed Securities (0.1%). The top 25 holdings out of 448 total holdings of this fund represent 29.5% of the total portfolio. CIBC Monthly Income fund's objective is to provide a reasonably consistent level of monthly income while attempting to preserve capital. This CIBC fund invests most of the fund assets in a diversified portfolio of debt and equity instruments. Fund Details David Graham has been managing this fund since December 2007. This CIBC Monthly Income fund was introduced to public in September 1998. This yield figure is the highest among the other funds in this article. As of July 2011, the fund has total net assets of $7.0 billion. Morningstar has given 3-stars return rating to this fund. The fund has returned 6.88% over the past ten years, 2.07% over the past five years, 1.85% over the past three years and 6.48% over the past year. If you are interested to invest in this fund, you will need a minimum initial investment of $500 with $25 minimum subsequent investment. The top ten holdings of this fund as of July 2011 are Cash & Cash Equivalents, Canada Housing Trust No.1, 2.75%, 2016/06/15, Royal Bank of Canada, Toronto-Dominion Bank (The), Canadian Imperial Bank of Commerce, Suncor Energy Inc., BCE Inc., Barrick Gold Corp., Manulife Financial Corp. RBC Investor & Treasury Services (RBC I&TS) is a specialist provider of asset services, custody, payments and treasury services for institutional investors worldwide. For all general inquiries related to RBC I&TS, please contact your RBC I&TS representative. For information regarding other divisions of RBC, please call 1 8. If you receive payments from RBC I&TS on behalf of your former employer, please visit our Pensioner Resources section or call 1 8. RBC I&TS’s Shareholder Services/Transfer Agency teams are only able to address inquiries from fund companies or brokers/advisors. If you are a unitholder, please contact your broker/advisor or the fund company directly with any questions or requests. For career or recruitment inquiries, please visit our Careers Site or contact recruitment@ You can create a profile at our Jobs Site where you can view and apply to jobs. Rbc general fund rbc online en direct Explore our Accounting and Finance jobs and discover challenging work that will unlock your career potential and help us create new futures. Lv 7 5 years ago RBC is the Royal Bank of Canada. The General Fund is probably a mutual fund. All Share Classes within Regent have approved ‘Reporting Fund’ status with HMRC for UK tax purposes. The ‘Reporting Funds’ regime, which forms part of the Offshore Funds (Tax) Regulations 2009 has replaced Regent’s UK Distributor Status. UK residents will be liable to UK taxation on the reportable income for the period whether distributed or not. The income will be regarded as foreign source for the purposes of UK taxation. If you are not subject to UK taxation, you may ignore this notice. If you are subject to UK taxation, you will be required to pay tax on the share of income reported to you in this notice. We recommend that investors consult their tax advisor if there is any doubt as to whether, and how, this information is to be included on their tax return. Persons resident but not domiciled in the UK will be liable to income tax only to the extent that the reportable income is remitted to the United Kingdom. (Note: this is on the understanding that the person has claimed to be a remittance basis user and paid the charge/fee as appropriate). Investors who hold Regent shares as at the last day of the Fund’s accounting period (Regent’s year end is 30 November), will need to review the annual ‘Reportable Income’ information and include the relevant details on their tax return. The amount of income treated as received by a UK investor will be any distributions received during the period plus the amount of reportable income per unit in excess of distributions. The latter is calculated as follows: Important legal information regarding these funds - please read the disclaimer before proceeding. Depending on your citizenship and residency some or all of the Funds sponsored by RBC may not be available to you. In particular, Funds are not being offered in the United States of America or Canada, or any of their territories, possessions or areas subject to its jurisdiction, or to nationals or residents thereof. In addition, shares in RBC Regent Strategy Fund Limited and Royal Bank of Canada ARC Fund Limited are not being marketed to investors domiciled within the European Economic Area. Before deciding to invest in our Funds potential investors should read the latest Prospectus document and note the important regulatory disclosures, risk warnings, restrictions and acknowledgement contained therein. using Java Script to ensure the best experience through the site. Please check to learn how to enable Java Script on your browser and enjoy the best experience. As “America’s Checkbook,” the General Fund of the Government consists of assets and liabilities used to finance the daily and long-term operations of the U. It also includes accounts used in management of the budget of the U.


TORONTO, July 1, 2016 - Royal Bank of Canada (RY on TSX and NYSE) today announced that it has completed the previously announced sale of RBC General Insurance Company, which includes certain home and auto insurance manufacturing capabilities including claims, underwriting and product development, to Aviva Canada Inc. As part of this deal, RBC Insurance also signed a 15-year strategic agreement with Aviva Canada Inc., which will allow RBC Insurance to market and sell a full suite of property and casualty (P&C) insurance products to Canadians. In addition to offering home and auto advice and products, RBC Insurance continues to provide one of the broadest ranges of insurance offerings in Canada including life, health, wealth, travel and reinsurance solutions, as well as creditor and business insurance services to individual, business and group clients. RBC will record a net gain on the sale of its operations of approximately C$230 million after tax. The net gain is subject to change and will be reflected in the results for the third quarter ending July 31, 2016. RBC will release its third quarter 2016 results and host an earnings conference call on August 24, 2016. CAUTION REGARDING FORWARD-LOOKING STATEMENTS Certain statements contained in this press release may be deemed to be forward-looking statements within the meaning of certain securities laws, including the 'safe harbour' provisions of the United States Private Securities Litigation Reform Act of 1995 and any applicable Canadian securities legislation. These forward-looking statements include, but are not limited to, statements about the activities of RBC Insurance following the closing of the sale of RBC General Insurance Company to Aviva Canada Inc. (the “Transaction”) and the financial impact of the Transaction. Forward-looking statements are typically identified by words such as 'believe', 'expect', 'foresee', 'forecast', 'anticipate', 'intend', 'estimate', 'goal', 'plan' and 'project' and similar expressions of future or conditional verbs such as 'will', 'may', 'should', 'could' or 'would'. By their very nature, forward-looking statements require us to make assumptions and are subject to inherent risks and uncertainties, which give rise to the possibility that our predictions, forecasts, projections, expectations or conclusions will not prove to be accurate, that our assumptions may not be correct and that our forward-looking statements, including statements about the activities of RBC Insurance following the closing of the Transaction and the financial impact of the Transaction, will not be achieved. We caution readers not to place undue reliance on these statements as a number of risk factors could cause our actual results to differ materially from the expectations expressed in such forward-looking statements. These factors - many of which are beyond our control and the effects of which can be difficult to predict – include: credit, market, liquidity and funding, insurance, operational, regulatory compliance, strategic, reputation, legal and regulatory environment, competitive and systematic risks and other risks discussed in the Risk management and Overview of other risks sections of our 2015 Annual Report and the Risk management section of our Q2 2016 Report to Shareholders; weak oil and gas prices; the high levels of Canadian household debt; exposure to more volatile sectors; cybersecurity; anti-money laundering; the business and economic conditions in Canada, the United States and certain other countries in which we operate; the effects of changes in government fiscal, monetary and other policies; tax risk and transparency; and environmental risk. We caution that the foregoing list of risk factors is not exhaustive and other factors could also adversely affect our results. When relying on our forward-looking statements to make decisions with respect to us, investors and others should carefully consider the foregoing factors and other uncertainties and potential events. Material economic assumptions underlying the forward looking statements contained in this press release are set out in the Overview and outlook section and for each business segment under the heading Outlook and priorities in our 2015 Annual Report, as updated by the Overview and outlook section in our Q2 2016 Report to Shareholders. Additional information about these and other factors can be found in the Risk management and Overview of other risks sections of our 2015 Annual Report and the Risk management section of our Q2 2016 Report to Shareholders. Except as required by law, we do not undertake to update any forward-looking statement contained in this press release, whether written or oral, that may be made from time to time by us or on our behalf. About RBC Insurance RBC Insurance offers a wide range of life, health, home, auto, travel, wealth and reinsurance advice and solutions, as well as creditor and business insurance services to individual, business and group clients. RBC Insurance is the brand name for the insurance operating entities of Royal Bank of Canada, one of North America’s leading diversified financial services companies. RBC Insurance is among the largest Canadian bank-owned insurance organizations, with approximately 2,500 employees who serve more than four million clients globally. About Aviva Canada Aviva Canada is one of the leading property and casualty insurance groups in the country providing home, automobile, leisure/lifestyle and business insurance to more than three million customers. A wholly-owned subsidiary of UK-based Aviva plc, the company has more than 4,000 employees, 27 locations across Canada and approximately 1,500 independent broker partners. Aviva Canada invests in positive change through the Aviva Community Fund, Canada’s longest running online community funding competition. Since its inception in 2009, the Aviva Community Fund has awarded $6.5 million to over 222 charities and community groups nationwide. For more information visit avivacanada.com, our blog or our Twitter, Facebook and Linked In pages. The following are common scams used to gain access to personal and financial data. Skimming is the act of obtaining information from a debit or credit card. Most of this data is obtained with a card reader device when the card is used. The PIN is often obtained separately, usually by someone who is watching or by hidden cameras or sophisticated devices that may be attached to the machine used. Once the magnetic strip data and PIN are obtained, a counterfeit card is produced and then used. Always shield the keypad when you enter your PIN at an ATM or point-of-sale terminal. Do not use an ATM that you suspect may have been tampered with. Keep track of your account balance and debits, and report any fraudulent or missing activity immediately. Beware of unauthorized persons asking for your PIN. No law-abiding employee, police officer, financial advisor or lawyer will ever ask you for your PIN. This is strictly confidential information that provides access to the funds in your account. If you are contacted and asked for your PIN, do not respond, either by phone or email. Check that all your cards are in your possession and report any loss immediately. Even if your cards are in your possession, contact the institution the caller is claiming to be from and report the incident. While at an ATM, be aware of anyone who tells you that you've dropped something or offers to help you enter your PIN. As you stoop to retrieve a dropped item, they may exchange your Client Card for another card. Then, working together, another person standing nearby will attempt to observe you as you enter your PIN so that both your card and your PIN are in their possession. Before you put your card back in your wallet, check the name to ensure it is your card. Do not use an ATM that looks like it has been tampered with. These scams are when you are contacted by a supposed telemarketing firm, claiming that you have won a prize or a trip, but asking for your credit card number, requesting that you purchase a promotional item, or that you pay the taxes for that prize or trip, in order to collect your winnings. Be highly suspicious when receiving voicemail messages directing you to call and provide credit card or bank numbers. Rather than provide any information, we advise you to discontinue the call and contact your bank or credit card company directly to verify the validity of the message or the prize. If you think that you may be involved in a telemarketing scam, contact the authorities: Be suspicious if you are contacted by phone, mail, email or fax and told that you've won, inherited or been included in a business venture involving large sums of money. Also be alerted to another scam, if you are selling personal property (e.g. A fraudulent person may pose as an interested buyer, pay for the goods with a cheque that's substantially greater than the asking price, and then call you to request that you return the overpayment. In many cases, the original cheque is stolen, counterfeit or altered and is not returned to RBC until a much later date. You won't discover there is a problem with the cheque until you have returned the so-called "overpayment." Be careful about sending any funds back by cheque or wire transfer. If you are sending a payment via wire, ensure that you are comfortable with your transaction and that you are fully aware of to whom you are sending the funds. If an individual or third party asks you to make a deposit or open an account on their behalf, ensure you are confident of their identity and the validity of their reasons for the request before you do so. Advertising of opportunities to make extra money, earn money from home or make a career move have never been greater. Unfortunately not all employment advertisements are legitimate. Avoid a type of job scam known as a payment-forwarding or payment-transfer scam. Be wary of jobs where you are asked to accept and transfer money from one bank account to another. Often the receiving bank account will be in a different country, and you will be requested to have an account at a specific bank in Canada or in the U. You may be instructed to keep a small percentage of the money being transferred as payment. The details of this type of scam varies and can be quite clever. Fraudsters may request a job applicant's bank account information in order to set up a direct-deposit payment schedule, or they may transfer the funds themselves without the applicant's knowledge. Fraudsters may steal company names and corporate logos to make their ad or email more convincing. They may also scan for resumes that job seekers have posted online and then contact them directly. Posing as a reputable financial institution by copying its brand and logo, fraudsters promote supposed pre-approved loans and mortgages or unusually high interest rates for investment products. Business is solicited on the strength of the reputation of the financial institution, and money is requested up front to secure the approved credit or high-return investment product. Always ensure that the institution and offer is legitimate. If you are uncertain, call the institution to verify the offer using the institution's legitimate phone number that you have independently obtained, not the phone number printed on the suspicious offer. Rbc general fund rbc seton In the UK, RBC I&TS operates through RBC Investor Services Trust, London Branch & Royal Bank of Canada, London Branch, authorised and regulated by the Office of the Superintendent of Financial Institutions of Canada. Authorised by the Prudential Regulation Authority. A world of expertise. For more than a century, RBC Wealth Management has provided trusted advice and solutions to individuals, families, institutions and charitable foundations. Put our award-winning global network to work for you. Explore our Accounting and Finance jobs and discover challenging work that will unlock your career potential and help us create new futures. Offers a wide range of life, health, home, auto, travel, wealth and reinsurance advice and solutions, as well as creditor and business insurance services to individual, business and group clients. RBC Insurance is the brand name for the insurance operating entities of Royal Bank of Canada, which is one of North America’s leading diversified financial services companies. Among the largest Canadian bank-owned insurance organizations, RBC Insurance has approximately 2,500 employees who serve more than four million clients globally. We have a significant presence in individual life and health insurance markets with a product portfolio that includes various life, critical illness and disability insurance solutions. We are one of the only companies to have a simplified process for purchasing up to $500,000 of term life insurance. We offer a comprehensive range of group life, disability, health and dental coverage options and flexible features to provide tailored protection for small to medium-sized businesses with two or more employees. For business owners, we provide access to key person, buy sell and business overhead expense insurance. We offer a variety of home and auto insurance solutions for individuals and groups, along with RBC Private Insurance - a comprehensive risk protection package designed on an individual basis (which are distributed by RBC Insurance Agency Ltd. and underwritten by Aviva General Insurance Company.) We are a leading provider of emergency assistance services and travel insurance, offered through many channels, including RBC Royal Bank, select credit cards, airline partners, online, RBC Insurance stores and an advice centre. We continue to expand our wealth management offerings, which include segregated funds and payout annuities, to meet our clients’ guaranteed savings, retirement and estate planning needs. provides administrative support services for the creditor insurance products offered to RBC Royal Bank personal and business clients. These include life, disability and critical illness insurance for mortgages, personal loans, business loans and RBC Royal Bank credit card balances. We offer a Family Friendly Pricing™ program, with savings for those who purchase coverage for their home and vehicles, along with term life insurance, through RBC Insurance. We provide a Group Annuity—a defined benefit de-risking solution for pension plan sponsors looking to transfer risk away from their bottom line while taking care of their employees’ retirement. For more information, see RBC Insurance at a Glance. RBC and Royal Bank are registered trademarks of Royal Bank of Canada. RBC Insurance is the brand name for the insurance operating entities, comprising RBC Insurance Agency Ltd., RBC Life Insurance Company, RBC Insurance Company of Canada, RBC Insurance Services Inc. Home and Auto insurance products are distributed by RBC Insurance Agency Ltd. For LICAT information, see RBC LICAT Ratios Summary. and underwritten by Aviva General Insurance Company.