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RBC Target 2030 Education Fund Series A
2030 Target Date
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FundGrade C
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FundGrade A+® Rating Recipient
2018
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|
NAVPS (05-13-2026) |
$14.62 |
|---|---|
| Change |
$0.02
(0.12%)
|
As at April 30, 2026
As at March 31, 2026
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Legend
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Fund Returns
Inception Return (July 09, 2012): 6.32%
| 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 | 1.30% | 0.56% | 0.93% | 1.34% | 7.39% | 7.92% | 6.31% | 5.31% | 3.55% | 5.40% | 4.46% | 4.69% | 4.45% | 5.34% |
| Benchmark | 5.33% | 3.04% | 3.22% | 4.60% | 21.82% | 16.54% | 15.48% | 13.35% | 9.63% | 11.18% | 9.71% | 9.60% | 9.08% | 10.21% |
| Category Average | 2.21% | 1.48% | 2.44% | 2.54% | 10.37% | 9.69% | 7.71% | 6.46% | 4.41% | 5.75% | 4.99% | 5.10% | 4.74% | 5.40% |
| Category Rank | 20 / 29 | 20 / 29 | 20 / 29 | 20 / 29 | 16 / 25 | 16 / 25 | 16 / 25 | 15 / 24 | 14 / 23 | 14 / 23 | 14 / 23 | 13 / 22 | 13 / 20 | 9 / 16 |
| Quartile Ranking | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 |
Monthly Return
| Return % | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Jan | Feb | Mar | Apr |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Fund | 1.34% | 0.99% | 0.03% | 0.90% | 2.14% | 0.86% | 0.32% | -0.72% | 0.77% | 1.67% | -2.36% | 1.30% |
| Benchmark | 3.76% | 3.03% | 2.10% | 1.67% | 4.09% | 2.18% | -0.22% | -1.10% | 1.51% | 2.14% | -4.22% | 5.33% |
Best Monthly Return Since Inception
6.53% (April 2020)
Worst Monthly Return Since Inception
-8.22% (March 2020)
Calendar Return (%)
| Return % | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Fund | 6.09% | 9.28% | -4.11% | 13.72% | 8.43% | 7.90% | -10.45% | 7.52% | 8.26% | 6.34% |
| Benchmark | 3.66% | 11.99% | 0.72% | 16.29% | 12.17% | 11.33% | -12.03% | 15.07% | 21.57% | 13.15% |
| Category Average | 4.58% | 7.90% | -3.38% | 12.85% | 8.71% | 7.05% | -10.51% | 7.50% | 9.94% | 7.69% |
| Quartile Ranking | 2 | 2 | 4 | 3 | 3 | 3 | 2 | 2 | 3 | 3 |
| Category Rank | 6/ 16 | 9/ 20 | 19/ 22 | 13/ 23 | 14/ 23 | 14/ 23 | 10/ 24 | 12/ 24 | 16/ 25 | 16/ 25 |
Best Calendar Return (Last 10 years)
13.72% (2019)
Worst Calendar Return (Last 10 years)
-10.45% (2022)
Asset Allocation
| Name | Percent |
|---|---|
| Canadian Government Bonds | 34.97 |
| Canadian Corporate Bonds | 31.35 |
| Canadian Equity | 7.28 |
| Foreign Government Bonds | 7.26 |
| US Equity | 7.11 |
| Other | 12.03 |
Sector Allocation
| Name | Percent |
|---|---|
| Fixed Income | 74.95 |
| Financial Services | 4.74 |
| Cash and Cash Equivalent | 4.43 |
| Technology | 4.17 |
| Consumer Services | 1.65 |
| Other | 10.06 |
Geographic Allocation
| Name | Percent |
|---|---|
| North America | 88.12 |
| Europe | 6.32 |
| Asia | 3.72 |
| Latin America | 0.74 |
| Multi-National | 0.46 |
| Other | 0.64 |
Top Holdings
| Name | Percent |
|---|---|
| RBC Bond Fund Series O | 34.12 |
| RBC Canadian Short-Term Income Fund Series O | 29.99 |
| RBC Global Bond Fund Series O | 9.80 |
| PH&N Total Return Bond Fund Series O | 4.88 |
| RBC Canadian Equity Fund Series O | 3.81 |
| RBC European Equity Fund Series O | 2.94 |
| RBC U.S. Equity Fund Series O | 2.13 |
| PH&N U.S. Multi-Style All-Cap Equity Fund Series O | 2.13 |
| RBC Private U.S. Large-Cap Core Equity Pool O | 2.10 |
| RBC Canadian Dividend Fund Series O | 1.92 |
Equity Style
Fixed Income Style
Risk vs Return (3 Yr)
RBC Target 2030 Education Fund Series A
Median
Other - 2030 Target Date
3 Yr Annualized
| Standard Deviation | 5.36% | 6.73% | 7.16% |
|---|---|---|---|
| Beta | 0.55 | 0.63 | 0.73 |
| Alpha | -0.02 | -0.02 | -0.02 |
| Rsquared | 0.74% | 0.85% | 0.85% |
| Sharpe | 0.49 | 0.13 | 0.50 |
| Sortino | 1.00 | 0.15 | 0.50 |
| Treynor | 0.05 | 0.01 | 0.05 |
| Tax Efficiency | 81.69% | 67.54% | 80.67% |
| Volatility |
|
|
|
Risk Rating
Annualized Key Ratio Period Comparison
| Key Ratio | 1 Yr | 3 Yr | 5 Yr | 10 Yr |
|---|---|---|---|---|
| Standard Deviation | 4.15% | 5.36% | 6.73% | 7.16% |
| Beta | 0.42 | 0.55 | 0.63 | 0.73 |
| Alpha | -0.01 | -0.02 | -0.02 | -0.02 |
| Rsquared | 0.81% | 0.74% | 0.85% | 0.85% |
| Sharpe | 1.17 | 0.49 | 0.13 | 0.50 |
| Sortino | 1.51 | 1.00 | 0.15 | 0.50 |
| Treynor | 0.12 | 0.05 | 0.01 | 0.05 |
| Tax Efficiency | 81.81% | 81.69% | 67.54% | 80.67% |
Fund Details
| Start Date | July 09, 2012 |
|---|---|
| Instrument Type | Mutual Fund (Wrap Program) |
| Share Class | Commission Based Advice |
| Legal Status | Trust |
| Sales Status | Open |
| Currency | CAD |
| Distribution Frequency | Annual |
| Assets ($mil) | $2,427 |
Fund Codes
| FundServ Code | Load Code | Sales Status |
|---|---|---|
| RBF549 |
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 2030. 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 (2030) 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 Management
| Portfolio Manager |
RBC Global Asset Management Inc.
|
|---|---|
| Sub-Advisor |
- |
Management and Organization
| Fund Manager |
RBC Global Asset Management Inc. |
|---|---|
| Custodian |
RBC Investor Services Trust (Canada) |
| Registrar |
Royal Bank of Canada RBC Global Asset Management Inc. RBC Investor Services Trust (Canada) |
| Distributor |
Royal Mutual Funds Inc. |
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 | 1.62% |
|---|---|
| Management Fee | 1.40% |
| Load | No Load |
| FE Max | - |
| DSC Max | - |
| Trailer Fee Max (FE) | - |
| Trailer Fee Max (DSC) | - |
| Trailer Fee Max (NL) | 0.85% |
| Trailer Fee Max (LL) | - |
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