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 2020. The fund 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.

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Fund details

Series
Currency
Fund code
MER * (%)
F CAD 35113 0.84%

Portfolio analysis As of Mar 31, 2025

34% 66%
Equity Fixed Income

Asset mix

Equity Sector Allocation
Fixed Income Breakdown
Financials24.0%
Information Technology16.0%
Industrials12.2%
Consumer Staples8.5%
Health Care8.5%
Energy7.3%
Consumer Discretionary7.2%
Communication Services5.9%
Materials4.9%
Utilities3.4%
Real Estate2.0%
Corporate Bonds49.7%
Government Bonds46.8%
ST Investments (Cash & Other)3.2%
Other Bonds0.3%
Top 10 Holdings
% Assets
RBC Canadian Short-Term Income Fund - Series O 29.2%
RBC Bond Fund - Series O 5.9%
RBC Global Dividend Growth Fund - Series O 5.4%
Phillips, Hager & North Total Return Bond Fund - Series O 4.9%
RBC QUBE Low Volatility Canadian Equity Fund - Series O 4.4%
Phillips, Hager & North Conservative Equity Income Fund - Series O 4.4%
RBC Global High Yield Bond Fund - Series O 4.4%
RBC Global Bond Fund - Series O 4.0%
RBC Global Corporate Bond Fund - Series O 3.9%
BlueBay Global Sovereign Bond Fund (Canada) - Series O 3.9%
Total % of Top 10 Holdings 70.4%

Geographic allocation

Region

Performance analysis

Growth of $10,000 since inception

Calendar returns

Trailing return

1 Mth 3 Mth 6 Mth 1 year 3 years 5 years 10 years Since Inception
-1.1 1.0 2.0 8.1 4.7 6.8 - 5.3 Fund

Distribution ($)/unit

YTD* 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015
Total distributions 0.00 0.72 0.42 0.51 0.54 0.24 0.23 0.35 0.32 0.27 ---
Interest --- 0.15 0.12 0.10 0.03 0.06 0.04 0.06 0.04 0.04 ---
Canadian dividends --- 0.05 0.06 0.06 0.07 0.08 0.07 0.07 0.06 0.05 ---
Foreign dividends --- 0.05 0.07 0.07 0.07 0.09 0.09 0.09 0.08 0.09 ---
Foreign taxes paid --- -0.01 -0.01 -0.01 -0.01 -0.01 -0.01 -0.01 -0.01 -0.01 ---
Capital gains --- 0.46 0.16 0.27 0.37 0.03 0.04 0.14 0.15 0.11 ---
Return of capital --- 0.02 0.02 0.02 0.02 --- --- --- --- --- ---

* MER (%) is based on actual expenses for the preceding calendar year or most recent half-year period ended June 30 expressed on an annualized basis, depending on availability of date at the time of publication.