PH&N LifeTime 2020 Fund

Fund code: RBF1910

Who is this fund for?

Investors who:
  • are saving to support an income stream in retirement that begins on or around the target date of the fund (2020)
  • want a fund that will maintain a diversified asset mix which is appropriate for the target date of the fund (2020)
  • are planning to hold their investment for the medium-to-long term

Portfolio manager(s)

Sarah Riopelle, CFAManaging Director, Senior Portfolio Manager & Head of Portfolio Solutions and Platform Talent
Ashley Warburton, CFA, MFinPortfolio Manager, Investment Solutions

Details

Risk rating
  • Low
  • Low to med
  • Med
  • Med to high
  • High
Series
D
NAV $
11.1189
4/11/2025
Inception date
30/06/2011
Net asset $
25.89 M
4/11/2025
MER %
0.91
Management fee %
0.75
Income distribution
Annually
Capital gains distribution
Annually
Fund category
(CIFSC)
Short-term Target Date Portfolio
Load structure
No Load
Minimum investment $
500
Subsequent investment $
25
Sales status
Open

Performance

Trailing returns %

As of 3/31/2025
YTD1 mo3 mo6 mo1 yr3 yr5 yr10 yrIncept.
Fund 1.5-1.01.52.69.23.54.83.95.5
Quartile 4th3rd4th2nd1st4th3rd2nd-
No. funds in category 2626262626262612-

Calendar returns %

As of 3/31/2025

Chart

Bar chart with 11 bars.
This chart shows calendar returns for the fund RBF1910
The chart has 1 X axis displaying categories.
The chart has 1 Y axis displaying values. Data ranges from -9.562548 to 11.091602.
End of interactive chart.

Growth of $10,000

As of 3/31/2025

Chart

Combination chart with 2 data series.
This chart shows calendar returns for the fund RBF1910
The chart has 2 X axes displaying Time and navigator-x-axis.
The chart has 2 Y axes displaying values and navigator-y-axis.
YTD6m1y3y5y10yAll
End of interactive chart.

Highest/lowest returns (%)

As of 3/31/2025
1 yr3 yr5 yr10 yr
EndedReturnEndedReturnEndedReturnEndedReturn
Highest01-201519.408-201611.109-20169.608-20217.1
Lowest12-2022-9.609-2023-1.009-20231.902-20253.8
Average-5.6-5.2-5.2-5.2
No. of periods-154-130-106-46
% positive-86.4-96.9-100.0-100.0
*Highest/lowest returns (%) is based on data since inception of the fund.

Portfolio analysis

Asset type mix

As of 2/28/2025

Chart

Pie chart with 8 slices.
This chart displays asset mix data for the RBC fund RBF1910
End of interactive chart.
33.7% Equity 66.3% Fixed Income / Cash

Equity sector allocation

Financials20.3%
Information technology13.0%
Industrials11.5%
Health care10.1%
Consumer staples9.2%
Communication services8.8%
Real estate7.2%
Energy6.9%
Utilities5.6%
Consumer discretionary5.4%
Materials2.0%

Fixed income breakdown

Government42.0%
Corporate49.5%
Other0.5%
Securitized debt0.0%
Cash6.8%
Direct mortgages1.3%

Portfolio characteristics

As of 2/28/2025
Large Mid Small Value Blend Growth
Statistics
Dividend yield (%) 2.4
P/B ratio 3.0
P/E ratio 16.8
Avg. mkt cap. $bil 517.2

Note: Characteristics based on equity portion of portfolio.

Top 10 holdings

As of 2/28/2025
Holdings Assets
Phillips, Hager & North Short Term Bond & Mortgage Fund - Series O27.0%
Phillips, Hager & North Bond Fund - Series O19.2%
RBC QUBE Low Volatility Global Equity Fund - Series O10.2%
RBC Bond Fund - Series O7.1%
Phillips, Hager & North Conservative Equity Income Fund - Series O7.0%
Phillips, Hager & North U.S. Equity Fund - Series O4.9%
RBC QUBE Global Equity Fund - Series O4.4%
RBC High Yield Bond Fund - Series O4.0%
Phillips, Hager & North High Yield Bond Fund - Series O4.0%
RBC Canadian Core Real Estate Fund - Series N3.2%
Total % of top 10 holdings 90.9%

Distributions

Distributions ($)/unit

As of 3/31/2025
YTD *2024 2023 2022 2021 2020 2019 2018 2017 2016 2015
Interest -0.220.230.350.220.120.160.180.140.060.08
Canadian dividends -0.030.040.050.040.050.040.040.050.040.04
Foreign income -0.040.050.060.040.060.050.070.080.080.08
Foreign taxes paid --0.01-0.01-0.01-0.01-0.01-0.01-0.01-0.01-0.01-0.01
Capital gains -0.000.140.250.190.080.140.190.100.090.51
Return of capital -0.010.010.010.01---1.34--
Total distributions -0.280.470.720.500.300.390.461.700.260.70

* Distributions are characterized into income type at year-end.

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