RBC Target 2025 Education Fund

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Sarah Riopelle

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Investment Objective

This fund is an asset allocation fund specifically designed to meet the changing needs of investors who are saving money for the purpose of funding a post-secondary education that commences around 2025. The fund gradually shifts its asset mix from an emphasis on equity funds, in its early years, to an emphasis on money market funds as its "target" date (2025) approaches. 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: RBF595
Load Structure: No Load
Currency: CAD
Inception Date: Jul, 2007
Series A NAV $: 10.15
Series A MER %: 1.83
Benchmark:
  • 45% FTSE TMX Canada Universe Bond Index
  • 20% S&P/TSX Capped Composite Total Return Index
  • 20% S&P 500 Total Return Index (CAD)
  • 15% MSCI EAFE (C$)


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

    Notes:

    Resources


    Performance Analysis as of  December 31, 2015

    Growth of $10,000

    Returns and Quartile Ranking
    Calendar Returns %

    Trailing Return %

    Portfolio Analysis

    Asset Mix

    Top Ten Holdings
    Top Ten Holdings % Assets
    RBC Bond Fund 31.0
    RBC Canadian Equity Fund 9.9
    RBC European Equity Fund 7.9
    PH&N Total Return Bond Fund 5.0
    RBC Canadian Dividend Fund 4.9
    RBC QUBE Low Volatility Cdn Equity Fund 4.9
    RBC O'Shaughnessy US Value Fund 4.8
    RBC Canadian Short -Term Income Fund 4.5
    RBC High Yield Bond Fund 4.5
    RBC Private US Large Cap Equity Pool 4.0
    % Assets
    Total % of Top Ten Holdings 81.4
    Total Number of Portfolio Holdings 17
    Total Number of Stock Holdings 2,890
    Total Number of Bond Holdings 1,744
    Total Number of Other Holdings 47
    Total Number of Underlying Holdings 4,681
    Equity Style
    Statistics %
    P/B Ratio 2.1
    P/E Ratio 16.4
    Avg. Mkt Cap. $Bil 30.9
    Global Equity Sectors
    % Equity
    Financials 25.7
    Consumer Discretionary 13.1
    Information Technology 11.3
    Industrials 11
    Consumer Staples 10.1
    Energy 9
    Health Care 8.6
    Materials 4.4
    Telecommunications Services 3.8
    Utilities 2.9
    Other 0.1