Investment and insurance products offered through RBC Wealth Management are not insured by the FDIC or any other
federal government agency, are not deposits or other obligations of, or guaranteed by, a bank or any bank affiliate, and
are subject to investment risks, including possible loss of the principal amount invested.
As a valued client of RBC Wealth Management, you deserve comprehensive, timely
account information—and that’s just what you’ll get with your account statement. This
guide can help you get the maximum benefit from your statement. You’ll find descriptions
of the various items that appear in the statement plus brief explanations of how to
interpret what you see.
A wealth of information in an
easy-to-manage form
As you chart your progress toward
your long-term financial goals, you
may want to pay special attention to
the following areas:
Summary of accounts
In this section you’ll get a “snapshot”
of your accounts. If you elect
to combine multiple accounts
into a statement household, the
Summary of accounts can be
useful in determining the current
value of your investments.
Asset allocation
This section illustrates how your
investment dollars are diversified
over a range of asset classes:
cash and cash alternatives,
equity, fixed income, etc.
Your asset allocation mix should
reflect your individual tolerance for
risk, your investment preferences
and your time horizon (how many
years you plan on investing). As your
individual circumstances change over
the years, you’ll want to work with
your financial advisor to adjust your
asset allocation mix accordingly.
Gain/loss information
This information, displayed
throughout your statement, shows
your realized or unrealized gains or
losses for selected securities. Your
realized gain or loss will be classified
long-term if you’ve held the asset
for longer than one year; if you’ve
held the asset one year or less, the
gain or loss will be short-term.
If you reinvest dividends, you can
elect to see your unrealized gains or
losses with or without the effect of
reinvested dividends. If you elect to
include reinvested dividends, your
statement will break out the net cost
to include the original purchases and
reinvested dividends. You can also
elect to see tax-lot-specific reporting
for unrealized gains or losses.
Investment objective
This section shows the investment
objective you have provided to your
financial advisor. While you may
have a range of investment goals,
remember that your “Investment
objective” reflects your overall risk
tolerance—the risk you are willing
to assume when seeking returns
on your investments. For more
information about our Investment
objective continuum, please see
“About Your Investment Objective”
on page two of your statement.
Please contact your financial advisor
with any questions you may have
about your account statement.
Contact information is provided on
the first page of your statement.
Understanding your
account statement
Access your statements and account documents anytime, anywhere.
Register for RBC Wealth Management Online
To register, visit rbcwealthmanagement.com and select Register from the Access Your Account sign in box.
Follow the steps to provide your account information, and select your user ID and password.
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Summary of accounts
If you have several accounts and you’ve chosen to have those statements combined into a statement household, then
you’ll automatically receive an Account Summary Statement, which gives you a basic overview of all your accounts as
a cover page to your account statements. Detailed statements for your individual accounts are individually produced,
and are delivered to you via regular mail or are accessible in a paperless format, which is safe, secure and convenient.
You can log on to the online portal to access your statements and edit or update account labels for each of your
accounts; those account labels appear on the Account Summary Statement as well as the individual account statements.
SAMPLE CLIENT
SAMPLE CLIENT 2
123 MAIN STREET
MINNEAPOLIS MN 55440
ACCOUNT SUMMARY STATEMENT
AUGUST 2022
010XX
XXX
YOUR PREMIERMESSAGE BOARD
SUMMARY OF ACCOUNTS
ACCOUNT NUM BE R YOUR INFORMATION CURRENT VALUE
VALUE LAST MONTH CHANGE IN VALUE
E 999-99999 Trust Account / Sample Family Trust
$1,351,626.86 $1,311,666.81 $39,960.05
E 999-99999 Individual Retirement Account / Sample IRA #1
853,700.99 824,313.33 29,387.66
E 999-99999 Individual Retirement Account / Sample IRA #2
2,817,311.10 2,736,404.75 80,906.35
E 999-99999 Individual Retirement Account / Sample IRA #3
1,238,225.01 1,199,956.35 38,268.66
Total Value of Accounts
$6,260,863.96 $6,072,341.24 $188,522.72
Estimated Acc rued Bond Interest
70.75 71.15 -0.40
Total Portfolio Value
$6,260,934.71 $6,072,412.39 $188,522.32
LIABILITIES
CURRENT VALUE VALUE LAST MONTH
RBC Credit Access Line Outstanding credit advances
RBC Credit Access Line Available credit
$175,000.00
$475,000.00
$175,000.00
$475,000.00
Accrued interest and other investment information is received from sources we believe to be reliable; however, we cannot guarantee the accuracy of these figures. Please see
"About Your Statement" on page 2 for further information.
E − Per your request, this document is available in an electronic format only and is not included in the mailing. To access your online documents via our secure connection, log on to
www.rbcwm.com.
Thank you for choosing us to help you with your investment and financial
needs. We appreciate your business and continued trust.
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Your message board — In
this area, you’ll find important
information or announcements
from RBC Wealth Management.
2
Account label — Your
personalized account labels
appear on your monthly printed
statements, making it easier to
view and organize your various
RBC accounts.
3
Total value of accounts —
Please note that an asterisk in
the “Account Number” column
indicates that a statement was
not produced for the reporting
period due to a lack of activity.
4
Total portfolio value — This line
shows the total value of all your
accounts listed on the summary
statement. This appears
when accrued bond interest,
a held away annuity or a held
away alternative investment
are present in one or more
of the accounts listed on the
account summary statement.
Page 2 of 6 Understanding your account statement, continued
Holdings, activities and gain/loss
This page provides you with an overview of your account holdings, activity and gain/loss information.
ASSET ALLOCATION SUMMARY
CURRENT
VALUE PERCENT
Cash & Cash Alternatives $3,129.68 1%
Equity 282,326.43 70%
Fixed Income 97,339.67 24%
Mixed Assets 14,576.37 4%
Real Assets 4,897.95 1%
Current account value $402,270.10 100%
ACTIVITY SUMMARY
Total account value last statement $391,755.76
Cash activity
Beginning balance 2,827.27
Money coming into your account
Dividends 302.41
Total 302.41
Money going out of your account
Total 0.00
Ending balance 3,129.68
Net change cash activity $302.41
Change in security value
Beginning value of priced securities 388,928.49
Change in value of priced securities 10,211.93
Ending value of priced securities 399,140.42
Net change in securities value $10,211.93
Total account value as of August 31, 2022 $402,270.10
GAIN/LOSS SUMMARY
THIS PERIOD THI S YEA R
Total realized gain or loss $0.00 -$71,737.36
Short-term gain or loss 0.00 -71,737.36
Long-term gain or loss 0.00 0.00
AS OF AUGUST 31, 2022
Unrealized gain or loss $33,524.24
Please see "About Your Statement" on page 2 fo r further inf ormation.
Account number:
Page 3 of 10
RBC UNIFIED PORTFOLIO
ACCOUNT STATEMENT
AUGUST 1, 2022 - AUGUST 31, 2022
INVESTMENT OBJECTIVE / PROFILE AND RISK TOLERANCE
The investment objective for this account is: Growth
The risk tolerance for this account is: High Risk
The advisory risk profile for this account is: Profile 4
Please see "About Your Investment Objective / Profile and Risk Toler ance" on page 2 for further
information.
Mutual funds are included in the above categories. Funds that invest in more than one category are
reported as "Mixed Assets."
The Cash & Cash Alternatives figure is net of debits including any RBC Ex press Credit (margin) debit,
if applicable.
LIABILITIES
CURRENT VALUE VALUE LAST MONTH
RBC Credit Access Line Outstanding credit advances $176,523.48 $176,523.48
RBC Credit Access Line Available credit $69,476.52 $69,476.52
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Asset allocation
summary — This pie chart and
the accompanying table show
how your money is allocated
among different types of
asset classes, such as cash
and cash alternatives, equity
and fixed Income. Mixed and
real assets include futures,
commodities and other vehicles
that do not fit into the main
investment categories.
2
Mutual funds — Mutual funds
are listed with the asset class
in which they are primarily
invested. For example, the
value of a fund that invests
primarily in U.S. equities would
be included in U.S. equities.
3
Investment objective/risk
tolerance — The investment
objective you and your
financial advisor have set
for your account is listed
here. If your objective is not
listed or your needs have
changed, please discuss this
with your financial advisor.
4
Gain/loss summary — This
summary shows realized and
unrealized gains and losses
for selected securities in your
account, both year-to-date and
for the current statement period.
5
Activity summary — This
section shows high-level
information about the activity
in your account for the
current statement period.
6
Credit Access Line — This
section shows high-level
information for your RBC Credit
Access Line (CAL), offered
through the Royal Bank of
Canada, that is pledged to your
accounts within this statement.
It will reflect the month-end
values of the outstanding
balance and available credit.
Page 3 of 6 Understanding your account statement, continued
Asset detail
The Asset detail section lists all securities held in your account. Stocks and mutual funds are listed alphabetically
within their asset class—equity, fixed Income, etc. Bonds are listed in alphabetical or maturity date order.
Account number:
999-99999
Page 5 of 10
RBC UNIFIED PORTFOLIO
ACCOUNT STATEMENT
AUGUST 1, 2022 - AUGUST 31, 2022
EQUITY
Emerging Markets Equity
DESCRIPTION SYMBOL/CUSIP QUANTITY
MARKET
PRICE
MARKET
VALUE NET COST *
UNREALIZED
GAIN/LOSS *
ESTIMATED
ANNUALIZED INCOME
DELAWARE GROUP EMERGING
MARKETS FUND-INSTL CL
DEMIX 824.342 $18.610 $15,341.00 $14,731.00 $610.00 $197.02
TOTAL Emerging Markets Equity $15,341.00 $14,731.00 $610.00 $197.02
International Equity
DESCRIPTION SYMBOL/CUSIP QUANTITY
MARKET
PRICE
MARKET
VALUE NET COST *
UNREALIZED
GAIN/LOSS *
ESTIMATED
ANNUALIZED INCOME
ALCON INC
ORDINARY SHARES
ALC 28.000 $70.070 $1,961.96 $2,286.18 -$324.22 $5.82
MEDTRONIC PLC
COM
MDT 22.000 $94.820 $2,086.04 $1,989.90 $96.14 $59.84
MICHELIN COMPAGNIE GENERALE
DES ETABLISSEMENTS MICHELIN
UNSPONSORED ADR REP NOM SHARES
MGDDY 118.000 $13.710 $1,617.78 $2,424.04 -$806.26 $55.22
MITSUBISHI UFJ FINANCIAL
GROUP INC AMERICAN DPSRTY SHS
EACH RPRSNTNG ONE SHARE OF COM
MUFG 210.000 $5.450 $1,144.50 $1,123.31 $21.19 $38.85
SONY GROUP CORPORATION
ADR
SONY 29.000 $86.800 $2,517.20 $2,958.98 -$441.78 $11.37
TOTAL International Equity $9,327.48 $10,782.41 $1,454.93 $171.10
US Large Cap Equity
DESCRIPTION SYMBOL/CUSIP QUANTITY
MARKET
PRICE
MARKET
VALUE NET COST *
UNREALIZED
GAIN/LOSS *
ESTIMATED
ANNUALIZED INCOME
ADOBE INC
COMMON STOCK
ADBE 8.000 $445.670 $3,565.36 $2,946.64 $618.72
AMGEN INC AMGN 10.000 $248.390 $2,483.90 $2,438.95 $44.95 $77.60
AUTODESK INC ADSK 12.000 $233.010 $2,796.12 $2,102.39 $693.73
BLACKSTONE INC
COMMON STOCK
BX 27.000 $108.790 $2,937.33 $2,472.55 $464.78 $109.62
CAPITAL ONE FINANCIAL CORP COF 25.000 $115.740 $2,893.50 $2,641.36 $252.14 $60.00
COCA COLA COMPANY
(THE)
KO 39.000 $63.700 $2,484.30 $2,449.56 $34.74 $68.64
CONSTELLATION BRANDS INC
CL A
STZ 8.000 $243.730 $1,949.84 $1,890.16 $59.68 $25.60
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Net cost — This column lists
the total cost of the asset. If
you’ve made several purchases
of the same security—as you
would when buying shares
at different times—then this
amount would include the
total cost of all purchases.
Price per Share x
Number of Shares
+ Any Commissions or Fees
Net Cost
Unrealized gain/loss — Your
unrealized gain/loss is listed
for certain securities in your
account. The unrealized gain/loss
figure does not include possible
commissions when you sell your
security or income earned while
you own it. For example, you
may hold a bond until it matures
at face value; however, until it
matures, in the Unrealized Gain/
Loss column your bond will show a
“real-time” unrealized gain or loss
based on current market value.
You can choose to see the
unrealized gain or loss information
displayed as consolidated tax lots
or broken into individual tax lots.
If you see “N/A” in the
Net Cost or Unrealized
Gain/Loss column, it may mean
that we do not have the original
cost information for a security
or do not provide unrealized
gain/loss information for
that security. If you have this
information, please contact your
financial advisor to update it.
Estimated annualized
income — If this column is left
blank, the estimated annual
income information is not
available for that security.
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21
Page 4 of 6 Understanding your account statement, continued
Activity detail
The Activity detail section lists all activity in your account for the statement period by activity type.
Account number:
999-99999
Page 16 of 22
SAMPLE CLIENT
SAMPLE CLIENT 2
ACCOUNT STATEMENT
AUGUST 1, 2022 - AUGUST 31, 2022
ACTIVITY DETAIL
SALES
(continued)
DATE DESCRIPTION QUANTITY PRICE
NET PROCEEDS/
ACCRUED INTEREST NET COST*
REALIZED
GAIN/LOSS* COMMENTS
08/09/22 WALGREEN BOOTS ALLIANCE INC
COM
SOLICITED
DISCRETION IS EXERCISED
WE MAKE A MKT IN THIS SECURITY
-68.000 $39.229 $2,667.52 $3,477.98 -$810.46 ^
TOTAL SALES $55,933.11 $5,735.19
TAXABLE INCOME
Dividends
DATE DESCRIPTION SYMBOL/CUSIP AMOUNT COMMENTS
08/01/22 AT&T INC
REC 07/11/22 PAY 08/01/22
CASH DIV ON 149 SHS
DIVIDEND
T $41.35^
08/01/22 ANGEL OAK FDS TR
RECORD 00/00/00 PAY 07/29/22
MLTI STRTGY INCOME FD INSTL CL
DIVIDEND
ANGIX $331.64^
08/01/22 DOUBLELINE FDS TR
RECORD 07/28/22 PAY 07/29/22
DIVIDEND
TOTAL RETURN BD FD CL I
DIVIDEND RATE 0.029424020
DBLTX $193.57^
08/01/22 NUVEEN FLOATING RATE INCOME
RECORD 00/00/00 PAY 07/29/22
FD CL I
DIVIDEND
NFRIX $226.30^
08/03/22 LOWES COMPANIES INC
REC 07/20/22 PAY 08/03/22
CASH DIV ON 17 SHS
DIVIDEND
LOW $17.85^
08/05/22 GENERAL DYNAMICS CORP
REC 07/01/22 PAY 08/05/22
CASH DIV ON 19 SHS
DIVIDEND
GD $23.94^
08/05/22 VANECK ETF TRUST
CURRENCY BOND ETF
REC 08/02/22 PAY 08/05/22
VANECK JP MORGAN EM LOCAL
CASH DIV ON 3749 SHS
DIVIDEND
EMLC $456.63^
08/11/22 APPLE INC
REC 08/08/22 PAY 08/11/22
CASH DIV ON 29 SHS
DIVIDEND
AAPL $6.67^
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Net proceeds/accrued
interest — In this column,
you’ll find the net proceeds of
each of your sell transactions
since your last statement. You’ll
also see the interest you’ve
accrued from those fixed
income investments that issue
payments that you’ve sold.
2
Realized gain/loss — Once
you’ve completed a transaction,
your realized gain or loss
will appear in this column.
3
Comments — Notations
in this column are usually
specific to the activity type.
For example, in the Other
Activity section, the comment
could note stock distributions
(splits) and reorganizations.
4
Individual account
information — Your Activity
detail report may contain special
information that’s relevant to
you, such as checks issued from
your account (as shown above).
This section could also contain
itemized open orders, IRA
information, checks written from
your RBC Cash Management
Account, Visa Platinum
©
debit card transactions or
ACH summary information.
Page 5 of 6 Understanding your account statement, continued
1
Please note that not all accounts qualify for annual statements. Only accounts coded with Premier client status or those with RBC Cash Management Account checking and/
or Visa will get them. Not all disclosures are available for paperless delivery.
© 2024 RBC Wealth Management, a division of RBC Capital Markets, LLC, registered investment adviser and member NYSE/FINRA/SIPC. All rights reserved. 24-67-00444_6733 (02/24)
As you go through your account
statement—using this guide to
help understand key sections—
keep these points in mind:
• You’ll receive statements
every quarter as long as your
account contains a cash or
security balance. Statements
are produced monthly when
you have transactions during
that month, with the exception
of money market dividends.
If you choose, you can have a
statement produced monthly
regardless of account activity.
• You can obtain copies of your
statement online or have them
sent to your tax advisor or any
other professional with whom you
work. For more information, please
contact your financial advisor.
• Monthly Account Summary
Statements are produced for
accounts that are grouped into
a statement household. The
summary lists each account, with
its account label and type, as
well as the current and previous
balance and the change between
the two. Estimated accrued
interest and the value of other
investments are summarized for
the household on this document.
• Your statement is not intended
to be used in preparing your tax
return or forecasting what will
be reported on your year-end
tax information summary. Some
securities—such as mutual funds
or real estate investment trusts—
may reclassify distributions
after year-end, possibly causing
differences between the amounts
listed on your statement and the
amounts reported for tax purposes.
• Please contact your financial
advisor with any questions you may
have about your account. Contact
information is provided on the first
page of your account statement.
Your cash and securities
are protected
Your assets are protected by the
Securities Investor Protection
Corporation (SIPC). SIPC protection
currently covers up to $500,000 per
client (of which $250,000 may be
cash). RBC Wealth Management has
purchased an additional policy that
provides up to an additional $99.5
million per SIPC-qualified account
(of which $900,000 may be cash)
subject to a total maximum aggregate
of $400 million for RBC Wealth
Management. Neither SIPC protection
nor protection in excess of that
provided by SIPC covers a decline in
the value of a customer’s assets due
to market loss. Additional information
is available upon request or at
www.sipc.org.
Account labels
Your personalized account
labels appear on your monthly
printed statements, making
it easier to view and organize
your various RBC accounts.
To change or update your account
labels, log on to RBC Wealth
Management Online and select
“Account Settings” from the Profile &
Settings drop down menu in the top
right corner. Within the Manage RBC
Accounts section, select “Edit,” enter
your new label and select “Save.”
Interested in going paperless?
RBC Wealth Management offers
you the option to access your
account information online and
receive electronic versions* of:
• Monthly and annual statements,
disclosures and notices
1
• Trade and non-trade
confirmations
• Tax documents
• Mutual fund prospectuses
• Proxy and reorganization notices
Paperless clients receive an email
notification when the items listed
above are ready to view online.
Going paperless is available only
to clients who are registered
for RBC Wealth Management
Online. To register, visit
rbcwealthmanagement.com
and select “Register” from
within the Access Your Account
box on the homepage. If you’re
already registered, simply log
on, select “Paperless” from the
Profile & Settings drop down
menu in the top right corner
to adjust your preferences,
then click “Save changes.”
*Please note that not all documents
are available electronically.
You may still receive paper
mailings if the fund company
does not provide an electronic
version of the document.
Page 6 of 6 Understanding your account statement, continued
