Investing in RSPs used to be simple. But, uncertain interest rates are changing all that. For many people low interest rates mean slower RSP growth. So, people today are reâ€"thinking their needs and looking for other investment options to help them maximize their RSP returns. Asset Allocation Helps Improve RSP Growth Term Deposits continue to be an excellent core holding for your RSP because of their combination of guaranteed return and lack of risk. But, if you want your RSP to grow faster, ask a Royal Bank RSP Specialist about an asset allocation strategy. One simple strategy is to use asset allocation. Asset allocation amounts to dividing your total RSP savings into three categories: savings, income and growth. A good asset allocation strategy will include some assets from each group in your RSP at all times. The mix will vary, though, depending on your age and stage in life. By diversifying your investments this way, you should be able to improve your RSP growth. *Made available by prospectus only by Royal Bank Mutual Funds Services Inc. (a corporate entity separate from, though whollyâ€"owned by, Royal Bank of Canada). Investments in the RoyFunds are not insured by the Canada Deposit Insurance Corporation, the Régie de Passuranceâ€"dépot du Québec or any other government deposit insurer and are not guaranteed in whole or in part by Royal Bank of Canada. § **Interest rate quoted as of January 31, 1994 is per annum and subject to change without notice. Contact your nearest Royal Bank branch for the current rate. Over a million Canadians have chosen Royal Bank to improve their RSPs. Perhaps we could help you improve yours. Join the million Canadians who choose Royal Bank for RSPs. Call tollâ€"free 1â€"800â€"668â€"9700. 5â€"year Nonâ€"redeemable Retirement Term Deposit 5.5 * Talk To A Royal Bank RSP Specialist A Royal Bank RSP Specialist will help you pick the mix of options that matches your goals and comfort level. If you would like personalized help in putting together your retirement plan, ask for a personal consultation. You‘ll find an RSP Specialist in every one of our more than 1600 branches across Canada. Over a million Canadians have already made Royal Bank their number one RSP choice because of our strength, security and wide range of investment options. Now, let us help you make the most of your RSP investments. A Wide Range Of Investment Options A wellâ€"diversified RSP contains a variety of different investments. The idea is to reduce risk and increase potential returns by spreading your investments around. A Royal Bank RSP Specialist will show you how combining RSP options like Term Deposits with any of 10 RSPâ€"eligible noâ€"load RoyFund* mutual funds can help your RSP grow.