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  <xsd:element name="VanguardInstitutional500IndexTrustMember" id="ry_VanguardInstitutional500IndexTrustMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="FederatedHermesInstlHighYieldBdIsMember" id="ry_FederatedHermesInstlHighYieldBdIsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="AmericanFundsNewWorldR6Member" id="ry_AmericanFundsNewWorldR6Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="VanguardFederalMoneyMarketInvMember" id="ry_VanguardFederalMoneyMarketInvMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="CapitalGroupEuropacificGrowthSaMember" id="ry_CapitalGroupEuropacificGrowthSaMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="T.RoweUsLgCapValEqtyIsPlatformJ0629aMember" id="ry_T.RoweUsLgCapValEqtyIsPlatformJ0629aMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="SchwabSdbMember" id="ry_SchwabSdbMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="SchwabSdbRothMember" id="ry_SchwabSdbRothMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
</xsd:schema>
