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 $: 10.35
Series A MER %: 1.83
  • 45% FTSE TMX Canada Universe Bond Index
  • 20% S&P/TSX Capped Composite Total Return Index
  • 20% S&P 500 Total Return Index (CAD)
  • 15% MSCI EAFE (C$)

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



    Performance Analysis as of  December 31, 2016

    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 31.2
    RBC Canadian Equity Fund 8.9
    RBC Canadian Short -Term Income Fund 7.6
    RBC European Equity Fund 7.0
    PH&N Total Return Bond Fund 7.0
    RBC High Yield Bond Fund 5.0
    RBC Canadian Dividend Fund 4.6
    RBC QUBE Low Volatility Cdn Equity Fund 4.4
    RBC O'Shaughnessy US Value Fund 4.3
    PH&N US Multi-Style All-Cap Equity Fund 3.6
    % Assets
    Total % of Top Ten Holdings 83.7
    Total Number of Portfolio Holdings 17
    Total Number of Stock Holdings 2,961
    Total Number of Bond Holdings 2,576
    Total Number of Other Holdings 57
    Total Number of Underlying Holdings 5,594
    Equity Style
    P/B Ratio 2.2
    P/E Ratio 17.6
    Avg. Mkt Cap. $Bil 33.5
    Global Equity Sectors
    % Equity
    Financials 23.7
    Industrials 12.0
    Information Technology 11.4
    Consumer Discretionary 11.1
    Energy 10.5
    Consumer Staples 8.5
    Health Care 7.1
    Materials 5.6
    Telecommunications Services 3.7
    Utilities 3.6
    Real Estate 2.8
    Other 0.1