RBC Retirement 2045 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 2045. 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: RBF1514
Load Structure: No Load
Currency: CAD
Inception Date: Oct, 2016
Series A NAV $: 10.62
Series A MER %: 2.15
  • 22.0% Citigroup World Government Bond Index (Hedged to C$)
  • 17.5% S&P/TSX Capped Composite Total Return Index
  • 17.5% S&P 500 Total Return Index (C$)
  • 15.0% FTSE TMX Canada Short-Term Overall Bond Index
  • 13.0% FTSE TMX Canada Universe Bond Index
  • 10.0% MSCI EAFE Total Return Net Index (C$)
  • 5.0% MSCI Emerging Markets Total Return Net Index (C$)

  • 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 Global Equity Focus Fund 9.9
    PH&N US Multi-Style All-Cap Equity Fund 7.1
    PH&N Canadian Equity Underlying Fund 6.8
    PH&N Total Return Bond Fund 6.4
    RBC Bond Fund 6.0
    PH&N Canadian Growth Fund 5.8
    RBC Global High Yield Bond Fund 5.0
    RBC QUBE Low Volatility Global Eq Fund 5.0
    BlueBay European High Yield Bond Fund 4.9
    RBC US Mid-Cap Value Equity Fund 4.7
    % Assets
    Total % of Top Ten Holdings 61.7
    Total Number of Stock Holdings 3,125
    Total Number of Bond Holdings 5,387
    Total Number of Other Holdings 91
    Total Number of Holdings 8,603
    Global Equity Sectors
    % Equity
    Financials 21.9
    Information Technology 12.3
    Consumer Discretionary 11.0
    Energy 10.8
    Industrials 10.3
    Consumer Staples 8.4
    Health Care 8.2
    Materials 6.3
    Utilities 4.9
    Real Estate 3.1
    Telecommunications Services 2.7
    Other 0.0