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RBC Retirement 2020 Portfolio Series A
Short Term Target Date
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FundGrade A
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FundGrade A+® Rating Recipient
2025, 2024, 2023, 2022, 2021
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|
NAVPS (05-13-2026) |
$11.61 |
|---|---|
| Change |
$0.01
(0.08%)
|
As at April 30, 2026
As at March 31, 2026
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Legend
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Fund Returns
Inception Return (October 11, 2016): 4.73%
| 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 | 1.60% | 1.01% | 1.58% | 1.47% | 8.28% | 8.20% | 6.91% | 5.61% | 3.85% | 5.28% | 4.51% | 4.76% | 4.41% | - |
| Benchmark | 1.00% | 1.55% | 2.72% | 2.25% | 10.21% | 10.66% | 7.51% | 6.16% | 4.33% | 4.56% | 4.57% | 4.87% | 4.34% | 4.49% |
| Category Average | 2.08% | 1.40% | 2.10% | 2.61% | 9.18% | 8.93% | 6.82% | 5.65% | 3.68% | 4.63% | 4.10% | 4.20% | 3.83% | 4.29% |
| Category Rank | 25 / 31 | 31 / 31 | 31 / 31 | 31 / 31 | 28 / 31 | 30 / 31 | 20 / 31 | 21 / 31 | 21 / 31 | 13 / 31 | 18 / 31 | 10 / 25 | 10 / 25 | - |
| Quartile Ranking | 4 | 4 | 4 | 4 | 4 | 4 | 3 | 3 | 3 | 2 | 3 | 2 | 2 | - |
Monthly Return
| Return % | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Jan | Feb | Mar | Apr |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Fund | 1.70% | 1.09% | 0.46% | 0.96% | 1.70% | 0.52% | 0.61% | -0.50% | 0.45% | 1.65% | -2.19% | 1.60% |
| Benchmark | 1.45% | 0.76% | -0.14% | 1.52% | 2.70% | 0.81% | 1.16% | -0.69% | 0.68% | 3.20% | -2.57% | 1.00% |
Best Monthly Return Since Inception
5.20% (April 2020)
Worst Monthly Return Since Inception
-7.12% (March 2020)
Calendar Return (%)
| Return % | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Fund | - | 6.80% | -2.12% | 12.17% | 7.52% | 7.12% | -9.95% | 6.96% | 9.52% | 6.70% |
| Benchmark | 6.19% | 4.30% | -1.25% | 10.87% | 8.35% | 3.73% | -9.93% | 7.79% | 8.33% | 9.15% |
| Category Average | 3.50% | 5.50% | -1.54% | 9.36% | 8.07% | 4.82% | -10.41% | 6.75% | 8.68% | 6.71% |
| Quartile Ranking | - | 4 | 2 | 2 | 4 | 1 | 2 | 3 | 2 | 4 |
| Category Rank | - | 21/ 25 | 11/ 25 | 10/ 27 | 29/ 31 | 7/ 31 | 10/ 31 | 18/ 31 | 8/ 31 | 26/ 31 |
Best Calendar Return (Last 10 years)
12.17% (2019)
Worst Calendar Return (Last 10 years)
-9.95% (2022)
Asset Allocation
| Name | Percent |
|---|---|
| Canadian Corporate Bonds | 23.28 |
| Canadian Government Bonds | 21.42 |
| US Equity | 13.25 |
| Canadian Equity | 10.58 |
| International Equity | 7.62 |
| Other | 23.85 |
Sector Allocation
| Name | Percent |
|---|---|
| Fixed Income | 59.93 |
| Financial Services | 6.76 |
| Technology | 5.68 |
| Mutual Fund | 3.54 |
| Cash and Cash Equivalent | 3.09 |
| Other | 21.00 |
Geographic Allocation
| Name | Percent |
|---|---|
| North America | 80.95 |
| Europe | 9.08 |
| Multi-National | 4.80 |
| Asia | 3.01 |
| Latin America | 0.90 |
| Other | 1.26 |
Top Holdings
| Name | Percent |
|---|---|
| RBC Canadian Short-Term Income Fund Series O | 33.78 |
| RBC Global Dividend Growth Fund Series O | 5.53 |
| RBC Bond Fund Series O | 4.82 |
| RBC Global High Yield Bond Fund Series O | 4.44 |
| PH&N Conservative Equity Income Fund Series O | 4.42 |
| RBC QUBE Low Volatility Canadian Equity Fund O | 4.39 |
| RBC Global Equity Leaders Fund Series O | 4.10 |
| PH&N Total Return Bond Fund Series O | 3.87 |
| RBC Canadian Core Real Estate Fund Series N | 3.54 |
| RBC Global Bond Fund Series O | 3.40 |
Equity Style
Fixed Income Style
Risk vs Return (3 Yr)
RBC Retirement 2020 Portfolio Series A
Median
Other - Short Term Target Date
3 Yr Annualized
| Standard Deviation | 4.89% | 6.17% | - |
|---|---|---|---|
| Beta | 0.75 | 0.87 | - |
| Alpha | 0.01 | 0.00 | - |
| Rsquared | 0.88% | 0.90% | - |
| Sharpe | 0.65 | 0.18 | - |
| Sortino | 1.29 | 0.22 | - |
| Treynor | 0.04 | 0.01 | - |
| Tax Efficiency | 79.87% | 66.61% | - |
| Volatility |
|
|
- |
Risk Rating
Annualized Key Ratio Period Comparison
| Key Ratio | 1 Yr | 3 Yr | 5 Yr | 10 Yr |
|---|---|---|---|---|
| Standard Deviation | 3.89% | 4.89% | 6.17% | - |
| Beta | 0.68 | 0.75 | 0.87 | - |
| Alpha | 0.01 | 0.01 | 0.00 | - |
| Rsquared | 0.83% | 0.88% | 0.90% | - |
| Sharpe | 1.46 | 0.65 | 0.18 | - |
| Sortino | 1.98 | 1.29 | 0.22 | - |
| Treynor | 0.08 | 0.04 | 0.01 | - |
| Tax Efficiency | 82.46% | 79.87% | 66.61% | - |
Fund Details
| Start Date | October 11, 2016 |
|---|---|
| Instrument Type | Mutual Fund |
| Share Class | Commission Based Advice |
| Legal Status | Trust |
| Sales Status | Open |
| Currency | CAD |
| Distribution Frequency | Annual |
| Assets ($mil) | $38 |
Fund Codes
| FundServ Code | Load Code | Sales Status |
|---|---|---|
| RBF1502 |
Investment Objectives
To provide total returns comprised of income and modest capital appreciation. This fund is an asset allocation fund specifically designed to meet the changing needs of investors who are saving money for retirement that commences around 2020. The fund invests primarily in a diversified portfolio of equity, fixed-income and/or money market securities from anywhere around the world, either directly or indirectly through investment in other mutual funds managed by RBC GAM or an affiliate of RBC GAM.
Investment Strategy
It is expected that the fund will invest up to 100% of its net assets in units of the underlying funds. The portfolio manager uses an asset allocation strategy as the principal investment strategy (see About the asset allocation strategy for retirement portfolios).
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 |
| Registrar |
RBC Investor Services Trust |
| 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 | 1.69% |
|---|---|
| Management Fee | 1.45% |
| Load | No Load |
| FE Max | - |
| DSC Max | - |
| Trailer Fee Max (FE) | - |
| Trailer Fee Max (DSC) | - |
| Trailer Fee Max (NL) | 0.75% |
| Trailer Fee Max (LL) | - |
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