RBC Retirement 2050 Portfolio

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Sarah Riopelle

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Investment Objective

This fund is an asset allocation fund designed to meet the needs of investors who are saving money towards their retirement, which they expect will commence around 2050. After an initial phase of increasing equity exposure, the fund invests primarily in equities until 10 years prior to retirement, at which point it gradually shifts its asset mix from an emphasis on equity funds to an emphasis on fixed income funds. Over the life of the fund, its portfolio will shift from a focus on funds with growth potential to a focus on funds that will preserve capital.

Fund Details

Series: A
Fund Code: RBF1504
Load Structure: No Load
Currency: CAD
Inception Date: Oct, 2016
Series A NAV $: 10.47
Series A MER %: 2.14
  • 55.0% FTSE TMX Canada Short-Term Overall Bond Index
  • 16.0% MSCI World Total Return Net Index (C $)
  • 11.0% Citigroup World Government Bond Index (Hedged to C $)
  • 9.0% FTSE TMX Canada Universe Bond Index
  • 9.0% S&P/TSX Composite Capped Total Return Index

  • Income Distribution: Annually
    Capital Gains Distribution: Annually
    Sales Status: Open
    Minimum Investment $: 500
    Subsequent Investment $: 25

    Notes: Securities regulations do not allow us to report performance for a mutual fund that has been available for less than one year. This fund was launched October 11, 2016.


    Portfolio Analysis

    Asset Mix

    Top Ten Holdings
    Top Ten Holdings % Assets
    RBC Canadian Short Term Income Fund 11.4
    RBC Global Equity Focus Fund 10.0
    PH&N US Multi-Style All-Cap Equity Fund 7.4
    PH&N Canadian Growth Fund 6.9
    PH&N Canadian Equity Underlying Fund 6.9
    RBC Bond Fund 6.5
    PH&N Total Return Bond Fund 6.5
    BlueBay European High Yield Bond Fund 5.0
    RBC Global High Yield Bond Fund 5.0
    RBC US Mid-Cap Value Equity Fund 4.9
    % Assets
    Total % of Top Ten Holdings 70.5
    Total Number of Stock Holdings 3,093
    Total Number of Bond Holdings 5,404
    Total Number of Other Holdings 92
    Total Number of Holdings 8,589
    Global Equity Sectors
    % Equity
    Financials 22.1
    Information Technology 13.2
    Consumer Discretionary 11.7
    Energy 11.3
    Industrials 10.4
    Consumer Staples 7.8
    Health Care 7.7
    Materials 7.2
    Utilities 3.6
    Real Estate 3.1
    Telecommunications Services 1.9
    Other 0.1