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RBC Target 2025 Education Fund Series A

2025 Target Date

FundGrade C Click for more information on Fundata’s FundGrade

FundGrade C

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FundGrade A+® Rating Recipient

FundGrade A+® Rating Recipient

2020, 2014

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NAVPS
(07-23-2024)
$10.22
Change
$0.01 (0.05%)

As at June 30, 2024

As at May 31, 2024

Period
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Legend

RBC Target 2025 Education Fund Series A

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Fund Returns

Inception Return (July 03, 2007): 3.01%

Fund Returns
Row Heading Return Annualized Return
1 Mth 3 Mth 6 Mth YTD 1 Yr 2 Yr 3 Yr 4 Yr 5 Yr 6 Yr 7 Yr 8 Yr 9 Yr 10 Yr
Fund 0.48% 0.87% 1.38% 1.38% 4.68% 3.62% -0.20% 1.04% 1.81% 2.18% 2.37% 2.88% 2.74% 3.22%
Benchmark 0.56% 0.18% 3.20% 3.20% 8.38% 7.73% 2.57% 5.85% 5.21% 5.29% 5.40% 5.47% 5.12% 4.83%
Category Average 0.75% 3.41% 3.41% 3.41% 7.41% 6.39% 1.32% 3.39% 3.41% 3.56% 3.62% 3.93% 3.65% 3.82%
Category Rank 22 / 26 23 / 26 24 / 26 24 / 26 22 / 26 23 / 26 21 / 25 15 / 21 13 / 20 14 / 19 13 / 18 9 / 14 9 / 14 8 / 13
Quartile Ranking 4 4 4 4 4 4 4 3 3 3 3 3 3 3

Monthly Return

Monthly Return
Return % Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun
Fund 0.15% 0.08% -0.80% 0.17% 2.05% 1.59% -0.02% 0.12% 0.40% -0.15% 0.54% 0.48%
Benchmark 0.93% -0.84% -3.01% -1.57% 6.01% 3.69% -0.31% 0.82% 2.49% -1.88% 1.52% 0.56%

Best Monthly Return Since Inception

4.71% (March 2009)

Worst Monthly Return Since Inception

-8.43% (September 2008)

Calendar Return (%)

Calendar Return
Return % 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023
Fund 9.49% 4.04% 4.45% 6.30% -2.07% 8.85% 8.17% 1.31% -8.22% 5.52%
Benchmark 9.98% -3.02% 11.97% 6.22% -4.30% 15.62% 7.61% 11.90% -8.20% 9.43%
Category Average 7.91% 2.21% 4.79% 6.45% -2.30% 10.77% 8.00% 5.31% -8.27% 6.81%
Quartile Ranking 4 3 3 3 3 4 3 3 2 4
Category Rank 12/ 13 10/ 14 9/ 14 12/ 18 12/ 19 17/ 20 12/ 20 17/ 23 9/ 26 20/ 26

Best Calendar Return (Last 10 years)

9.49% (2014)

Worst Calendar Return (Last 10 years)

-8.22% (2022)

Asset Allocation

Asset Allocation
Name Percent
Cash and Equivalents 61.59
Canadian Corporate Bonds 16.62
Canadian Government Bonds 14.41
Foreign Government Bonds 6.45
Canadian Bonds - Other 0.39
Other 0.54

Sector Allocation

Sector Allocation
Name Percent
Cash and Cash Equivalent 61.59
Fixed Income 38.42
Other -0.01

Geographic Allocation

Geographic Allocation
Name Percent
North America 94.94
Europe 3.13
Asia 1.30
Latin America 0.34
Multi-National 0.19
Other 0.10

Top Holdings

Top Holdings
Name Percent
RBC Canadian Money Market Fund Series O 54.73
RBC Canadian Short-Term Income Fund Series O 30.02
RBC Global Bond Fund Series O 10.00
PH&N Short Term Bond & Mortgage Fund Series O 5.03
National Bank of Canada TD 4.950% Apr 01, 2024 0.34
Bank of Montreal Apr 30, 2024 0.06
Canadian Dollar -0.17

Equity Style

Equity style data not available

Fixed Income Style

Fixed income style data not available
Period: 

Risk vs Return (3 Yr)

RBC Target 2025 Education Fund Series A

Median

Other - 2025 Target Date

3 Yr Annualized

Standard Deviation 4.17% 4.82% 4.85%
Beta 0.37% 0.42% 0.48%
Alpha -0.01% 0.00% 0.01%
Rsquared 0.72% 0.81% 0.66%
Sharpe -0.75% -0.04% 0.37%
Sortino -0.90% -0.31% 0.09%
Treynor -0.08% 0.00% 0.04%
Tax Efficiency - 51.03% 65.75%
Volatility Volatility rating is 1 on a scale of 1 to 10 Volatility rating is 1 on a scale of 1 to 10 Volatility rating is 1 on a scale of 1 to 10

Risk Rating

Rating 1 out of ten

Annualized Key Ratio Period Comparison

Key Ratio
Key Ratio 1 Yr 3 Yr 5 Yr 10 Yr
Standard Deviation 2.64% 4.17% 4.82% 4.85%
Beta 0.28% 0.37% 0.42% 0.48%
Alpha 0.02% -0.01% 0.00% 0.01%
Rsquared 0.86% 0.72% 0.81% 0.66%
Sharpe -0.09% -0.75% -0.04% 0.37%
Sortino 1.37% -0.90% -0.31% 0.09%
Treynor -0.01% -0.08% 0.00% 0.04%
Tax Efficiency 78.46% - 51.03% 65.75%

Fund Details

Start Date July 03, 2007
Instrument Type Mutual Fund (Wrap Program)
Share Class Commission Based Advice
Legal Status Trust
Sales Status Open
Currency CAD
Distribution Frequency Annual
Assets ($mil) $1,604

Fund Codes

FundServ Code Load Code Sales Status
RBF595

Investment Objectives

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.

Investment Strategy

The underlying funds are managed by RBC GAM or an affiliate of RBC GAM. The portfolio manager uses an asset allocation strategy as the principal investment strategy (see About the asset allocation strategy).

Portfolio Manager(s)

Name Start Date
Sarah Riopelle 01-01-2009

Management and Organization

Fund Manager RBC Global Asset Management Inc.
Advisor RBC Global Asset Management Inc.
Custodian RBC Investor Services Trust (Canada)
Registrar RBC Global Asset Management Inc.
Distributor Royal Mutual Funds Inc.
Auditor PriceWaterhouseCoopers LLP

Investment Minimums

RSP Eligible Yes
PAC Allowed Yes
PAC Initial Investment 500
PAC Subsequent 25
SWP Allowed Yes
SWP Min Balance 10,000
SWP Min Withdrawal 100

Fees

MER 1.05%
Management Fee 0.88%
Load No Load
FE Max -
DSC Max -
Trailer Fee Max (FE) -
Trailer Fee Max (DSC) -
Trailer Fee Max (NL) 0.25%
Trailer Fee Max (LL) -

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