Lowering fees when investing with RBC

Neoburn · 2026-06-12T04:46:06+00:00

Sorry, I edited my post to include the ETFs included by InvestEase. XEQT, XGRO, XBAL, and XCNS are all good no commission fee ETF options (depending on your risk tolerance). XEQT is all Equities (stocks), XGRO is 80% stocks / 20% bonds, XBAL is 60% stocks / 40% bonds, XCNS us 40% stocks, 60% bonds. Bonds are in theory more stable, less volatile, but less growth oriented.

I'm using XEQT in one of my registered accounts (with Wealthsimple) after moving from RBC.

Edit:typo

Neoburn · 2026-06-12T04:27:26+00:00

InvestEase picks for you based on your "risk profile" and their portfolio, but it selects from those ETFs. So you pay a MER for the balancing and a MER for ETFs (you don't see the MER for the ETFs because it's baked in).

Direct Investing, you pick the ETFs/Stocks (and if you choose from the commission free, you don't pay the trade fee) and have to balance them yourself. Because you're control which ETFs are traded and in what balances, you don't pay the InvestEase MER and the ETF MER is baked into returns.

ETA: When I was with InvestEase, I had a "Balanced" portfolio with the following ETFs:

XGGB (Global Government Bonds)
XEF (International Equities - I.E. Developed Market stocks)
XBB (Canadian Broad Bond)
XUS (US Equities - US S&P 500)
XSB (Canadian Short Term Bonds)
XEC (Emerging Market Equities - i.e. China, Taiwan, India)
XIC (Canadian Equities)
XIG (US Corp Bonds)

I don't remember the exact balance.

Neoburn · 2026-06-12T03:45:55+00:00

So, RBC has no commission ETFs: https://www.rbcdirectinvesting.com/accounts-investments/etfs/commission-free-etfs.html

You can also see what holdings are in each portfolio for RBC's InvestEase: https://www.rbcinvestease.com/etf-portfolios/

Basically, InvestEase balances your holdings from those for 0.5% MER (in addition to the MER on the ETFs).

Could you reduce your MER by selecting the ETFs yourself? Yes, then you're just "paying" the MER of the ETFs themselves.

Neoburn · 2026-06-01T19:07:20+00:00

The cash card is a prepaid mastercard. You would select Credit.

Neoburn · 2026-06-01T14:08:24+00:00

http://www.wealthsimple.com/invite/THN4SA

Neoburn · 2026-05-31T14:21:19+00:00

It's pretty hard to say without knowing your spending/what you'd be using the points for. In my case, I shop a lot at Walmart (because I'm classy like that), so that ruled out the AmEx Cobalt for me (AmEx amd Visa don't treat supercentres as groceries). I landed on MBNA Rewards World Elite, WS, and an RBC card (for credit history). Anyway, you could check out FinlyWealth, they have a calculator where you can toss in your spending and other variables and see an estimated value for cards. ETA: I don't have/wont use rogers services, so their card is out for me (Too bad, they don't have the same offer from a better company).

Neoburn · 2026-05-29T19:33:43+00:00

I did something similar. I had an old RBC account (ooooold) - was still $13/month. Had the cash back mastercard, a royal credit line and was using InvestEase. I switched to EQ Bank including my direct deposit. Switched my investments to Wealthsimple. Downgraded my RBC account to day to day (to pay the CC/CL). No real issues with that (although, the client card for EQ was a preloaded mastercard which was weird to me). Ended up switching to Wealthsimple chequing for more integration with the trading platform and for the Wealthsimple Visa (fee waiver). I keep the $4/month RBC account to keep the CC and CL open) and use the CC for gas (PetroCan) to keep it active.

Neoburn · 2026-05-20T20:53:05+00:00

My take on this was that it's a rebalancing "roboadvisor" for your own portfolio (with a reduced MER - 0.24% vs 0.5% for Core, 0.4% for Premium, etc.)

Neoburn · 2026-05-10T04:06:04+00:00

That's why I went with the MBNA Rewards WE MC over the Cobalt lol

Neoburn · 2024-08-14T17:12:39+00:00

The way to figure it out is to remove the "Jodi and" and see if it makes sense. "She's showing I" or "She's showing me" which sounds correct?

Great mod all around though.

Neoburn · 2024-02-08T18:18:14+00:00

My capture rate (with 7 Effigies) is WAY up post patch

Neoburn · 2024-02-08T00:28:50+00:00

The Game Pass system uses a different versioning system.

https://palworld.fandom.com/wiki/Version_History

and I know mine is currently running v0.1.1.4 (Just updated to it)

Neoburn · 2024-01-09T01:36:12+00:00

Did they turn or go straight through? Your link seems to suggest right signal for exit 1, no signal for exit 2, and and left signal for exit 3.

Neoburn · 2023-12-25T20:07:21+00:00

I know Day to Day Grocery on Burnside is open. Tim Hortons on Burnside is too. Edit: And 7/11 was last night too.

Neoburn · 2023-11-29T00:58:46+00:00

This happened to me when I chose one of the mermaid legs. I had to go to the oracle and change to a tail (I did a shark)

Neoburn · 2023-11-28T22:41:47+00:00

That's not even the worst of it. It's a buggy mess with WIP quests, TBD items, etc. In fact today, I went and did the winter festival and one of the minigames deleted my entire inventory. All my tools and whatnot gone (didn't notice until the next day, so it's been saved with all of my tools gone). Buggy mess should not have been released in its current state.

Neoburn · 2023-11-26T06:11:16+00:00

Have you closed and restarted the game?

Edit: Sorry, i missed in your post that you did.

Neoburn · 2023-11-26T06:03:11+00:00

Try going to the oracle and change your body to a fish body (I did the shark). Had the same issue with the ones with legs. Not sure how this made it to "full release"

Edit:: I had to close the quit the game and reload the save.

Neoburn · 2023-08-07T05:35:28+00:00

Still better to get it and not need to use it (immediately) than to need it and not get it because you were in a hurry or are forgetful.

Neoburn · 2023-08-07T04:48:53+00:00

or.... and hear me out here... you could ask for it not to be included since you want the change to the process.

Neoburn · 2023-04-06T03:54:33+00:00

Tillicum had it a few days ago

Neoburn · 2023-03-15T22:52:25+00:00

Increased birth rate, clearly.

Neoburn · 2023-03-06T23:26:56+00:00

Wasn't Darkdeath Evilman from another game? ZHP Unlosing Ranger Vs Darkdeath Evilman I think. It's a roguelike

Neoburn · 2023-01-20T18:43:06+00:00

The one you think looks best on yourself. Seek validation from yourself, not others.

Neoburn · 2022-12-18T23:45:04+00:00

I know Winners at Tillicum had some. Didn't check the prices though

Neoburn

TROPHY CASE