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Money Market Funds Prospectus

 

Organization*

RBC GAM (US) is part of RBC Global Asset ManagementTM, with a combined $200 billion in assets under management (as of September 30, 2010). RBC GAM (US) is a wholly-owned indirect subsidiary of Royal Bank of Canada (RBC). With history dating back to 1869, RBC is one of the oldest, largest and most highly rated banks in Canada, a country whose banking system was ranked as the soundest in the world in the 2010-2011 World Economic Forum Global Competitiveness Report. RBC is the 6th largest bank in North America, 16th largest in the world by market cap and holds a Aaa rating form Moody’s (9/10).

 

* RBC GAM (U.S.) and RBC are separate entities with separate balance sheets and liabilities. RBC does not guarantee any debts or liabilities at RBC GAM (U.S.).

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Money Market Funds

Strength. Stability. Experience.

Advised by RBC Global Asset Management (U.S.) Inc.

RBC Global Asset Management (U.S.) Inc. (“RBC GAM (U.S.)”) is the investment advisor to money market funds offered as sweep options by its affiliate company, RBC Capital Markets, LLC. RBC GAM (U.S.) is guided by principles that place your interests first as an owner of money market mutual funds. The goal is to provide you with the superior long-term investment results you expect. The approach combines excellent service, institutional expertise and a disciplined investment process with our dedication, enthusiasm and belief in what we do every day.

Money Market Fund Philosophy

The first priority of our money market funds is the preservation of principal, followed by maintaining liquidity and generating yield. Strict adherence to these investment priorities has been effective in screening out problematic names and issues through recent unprecedented and challenging market conditions.

Prime Money Market Fund

• RBC Institutional Class 1: TPNXX
• RBC Institutional Class 2: TKIXX
• RBC Select Class: TKSXX
• RBC Reserve Class: TRMXX
• RBC Investor Class: TPMXX

U.S. Government Money Market Fund

• RBC Institutional Class 1: TUGXX
• RBC Institutional Class 2: TIMXX
• RBC Select Class: TUSXX
• RBC Reserve Class: TURXX
• RBC Investor Class: TUIXX

Tax-Free Money Market Funds

• RBC Institutional Class 1: TTEXX
• RBC Institutional Class 2: TMIXX
• RBC Select Class: TMKXX
• RBC Reserve Class: TMRXX
• RBC Investor Class: TREXX

As with all mutual funds, the Securities and Exchange Commission has not approved or disapproved the Fund shares described in this prospectus or determined whether this prospectus is truthful or complete. Any representation to the contrary is a criminal offense.

For more information, or help choosing a fund that is appropriate for your specific goals and circumstances, contact your financial professional today.

Before investing, you should carefully consider a fund’s investment objectives, risks, charges and expenses. This and other information is included in the prospectus, which you can request by visiting http://us.rbcgam.com/mutualfunds/literature/order/money-market-funds/default.fs, calling 800.422.2766 or contacting your financial representative. Please read the prospectus carefully before investing.

NOT FDIC INSURED. NO BANK GUARANTEE. MAY LOSE VALUE.

An investment in a Money Market Fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although Money Market Funds seek to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in them. These risks are more fully described in the prospectus.

The fund presented on this page are for informational purposes only and are not to be construed as preferring one fund over another or as advice to purchase any fund. Prudent investors will obtain and read the Prospectus for each fund.

Regal Securities, Inc. is a registered broker-dealer, not a bank and the cash management services associated with your money market account are not a bank account. Banking services are provided by licensed banks or by third parties through arrangements with licensed banks. Unless otherwise indicated, investment products are not FDIC-insured, not guaranteed by a bank and may lose value.

RBC Global Asset Management (U.S.) Inc. serves as investment adviser for RBC Funds. The RBC Funds are distributed by Quasar Distributors, LLC, an affiliate of U.S. Bancorp Fund Services, LLC.

RBC Global Asset Management (RBC GAM) comprises RBC Global Asset Management (U.S.) Inc. (RBC GAM (US)), RBC Asset Management Inc. (RBC AM), Phillips, Hager & North Investment Management Ltd. (PH&N), and RBC Alternative Asset Management Inc. (RBC AAM), which are separate but affiliated corporate entities. ®Registered trademark of Royal Bank of Canada. RBC Global Asset Management is a trademark of Royal Bank of Canada. Used under license.

© Copyright 2005-2012 Regal Securities, Inc.

All securities and services are offered through Regal Securities, Inc., Member FINRA / SIPC, a registered broker dealer. Securities products offered are not guaranteed or endorsed by Regal, are not FDIC insured and may lose value. None of the information contained herein should be construed as an offer to buy or sell securities or as a recommendation. Specific recommendations are based on a review of each client’s particular financial circumstances. Online trading has inherent risks due to loss of online services or delays from system performance, risk parameters, market conditions, and erroneous or unavailable market data.