PRESENTED BY:
Date: September 12th, 2014
1

Agenda
 Why Segregated Funds - Value Proposition
 The Market Opportunity for You
 Why RBC GIF/POA – Strength, Value, Advice
2
2

The Uncertain Road – TSX MARKET DOWNTURN
3

Enhancing Your Value Proposition
•
•
•
4

The Market Opportunity for You
Segregated Fund Assets (in Billions)
$84
$82
$80
$78
$76
$74
$72
$92
$90
$88
$86
Dec.2009
Dec.2010
• $91.6B
at end of December 2012
Dec.2011
• Expected growth by 2018 to $160.4B
5
Dec.2012

Target Clients
 Age 45+, Pre-retirees and retirees
 Saving for retirement
 Looking for efficient transfer of wealth
 Previously Married
 Self Employed
 Income Splitting
6

WHY RBC GIF/POA
$300 Billion + AUM
Simple product structure
RBC, a trusted brand, a Canadian institution
7

Who is RBC Global Asset Management?
Manager of over $300B + in AUM
8

RBC Guaranteed Investment Funds DSC/LSC/ISC
9

RBC Canadian Dividend
 Looking for above average dividend returns of major
Canadian companies
 Managed by Doug Raymond and Stuart Kedwell since 2007
 Mutual fund assets of $17.11B
10

RBC North American Value GIF
• Consistency! Just one of many reasons to invest in this fund
• Underlying fund providing top-quartile performance for 13 consecutive quarters
• Underlying fund Morningstar Rating = 5 star
11

RBC GIF – Competitive Advantage
 10 year 75% Maturity Guarantee*
 100% Death benefit Guarantee for deposits made before age 80. 80%
Death Benefit for deposits made after age 80*
 Deposits are accepted to age 90 with no restrictions on investment choices
 Resets are available once a year to age 90 on our Portfolio Solutions
(Series 2)
 Strong fund line –up including RBC Funds and PH&N managed by RBC
Global Asset Management Inc.
12

RBC Insurance Solutions
Case Studies
How Can We Help You
13

Case Study 1 – Defer Income
 55 year old male, planning to retire at age 65
 Guaranteed income for life
 $200,000 to invest
 Risk averse, looking for growth
 Sensitive to MER’s
14

RBC Insurance
Case Study 1: Invest and defer income 10 years
Initial Investment Year 1
Investment in POA in Year 11/RBC GIF
Balance
Annual guaranteed income starting in year
11
RBC GIF + POA purchased in year 11
RBC POA RBC GIF
$200,000
$278,036
$ 181,023 $97,013
$ 13,006 -
- Guaranteed Income for Life of $13,006
- RBC GIF Portion provides all the benefits of seg funds plus access to cash without affecting guaranteed income
15

RBC Insurance
16

 Insure your paycheque so that you can continue to fund your lifestyle and support your family in the event that you cannot work due to injury or illness.
 Continue to save for retirement – even if your earnings are disrupted for a period of time by injury or illness.
 Secure additional dollars to help subsidize the potential costs associated with being critically ill – such as out of pocket medical expenses, alternative treatments, or private care.
17

 Increased issue limits
• For individual disability insurance and guaranteed standard issue
 New special program for established professionals
 New Fundamental Series applications & Feature Summary
 New sales tools & resources
• www.rbcinsurance.com/salesresourcecentre
18

 CI Re-price
• Rates on T10 decreased by an average of 12.2%
• Rates on level T65 increased by an average of 7.2%
• Rates on level T75 increased by an average of 4.7%
 Change in definitions to adhere to CLHIA definitions
 Changes to Best Doctors eligibility criteria
 Increased renewal compensation for T10
19