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Whether it is building long-term wealth or generating a steady stream of cash flow from your savings, the RBC Managed Portfolios program is a sophisticated investment solution that delivers the crucial elements required to succeed in today’s complex and fast-paced market environment. will recommend an RBC Managed Portfolios investment profile. After selecting your profile, your money is invested in RBC Private Pools and RBC Funds, the building blocks of your portfolio. If you do not already have a financial planner at RBC, visit your local When markets are volatile, it is easy to let your emotions dictate your investment decisions – and that can hurt your long-term returns. Instead, we use a disciplined approach to research the markets, construct your portfolio, select your investments and rebalance your portfolio when necessary. Once you have selected your RBC Managed Portfolios investment profile, your money is invested in RBC Private Pools and RBC Funds. Although the RBC Private Pools are similar to mutual funds, they differ in that: RBC Global Asset Management manages your investments in accordance with the RBC Managed Portfolios investments profile you select. The investment profiles are monitored closely to ensure they remain suitably invested and properly diversified. The RBC GAM Investment Strategy Committee, chaired by , Chief Investment Officer of RBC Global Asset Management, is a team of top investment professionals at RBC. The committee meets quarterly to formulate a detailed global investment forecast. This forecast is used to determine the appropriate mix of investments for each RBC Managed Portfolios investment profile. The tiered-fee structure of the program means that the percentage fee you pay decreases as your investments in the program grow. In addition, fees are based on your total household investments in the program, which can include RBC Managed Portfolios accounts held by you, your spouse, child or even your personal holding company – as long as all of the accounts share the same address. An additional potential advantage is the tax deductibility of investment management fees for non-registered accounts. Consult your tax advisor regarding the tax deductibility of RBC Managed Portfolios investment management fees. Unlike stock and other securities prices, a mutual fund’s share price, or net asset value, updates only at the end of each trading day rather than constantly. During market hours, a mutual fund’s investments and shares outstanding fluctuate, which makes it tough to nail down an exact NAV. When markets close, it gathers the closing price of every security it owns and calculates its NAV, which is widely reported on financial websites. When you buy or sell shares throughout the day, the NAV at the end of that day represents the approximate price you pay or receive. Click the “Get Quote” text box and type a mutual fund’s ticker symbol. This symbol is a five-letter abbreviation ending in “X” that identifies a specific fund. Alternatively, type a mutual fund’s name in the text box. Some websites show a list of suggestions once you begin typing, from which you can select a specific fund. For example, assume you want to check the price of the hypothetical Global Stock Fund whose ticker symbol is ABCDX. Type “ABCDX” in the text box, or begin typing “Global Stock” and select the fund from the list of suggestions. Find the fund’s NAV at the top of the page and identify the adjacent date to determine the mutual fund’s share price at the close of that day’s trading. In this example, assume the fund’s price is $101 as of June 1. If you check the price on the morning of June 2, it will still show $101 until the fund calculates its new NAV after markets close on June 2. Identify the positive or negative dollar figure and percentage next to the NAV. These represent the amount and percentage by which the mutual fund increased or decreased from the previous closing price. A website typically shows the figures in green font with an up-arrow to designate an increase and uses red font and a down-arrow for a decrease. In this example, assume the quote reports “$1.00 (1%)” in green with an up-arrow. This means the fund price increased by $1.00 and by 1 percent since the previous close. Type a date in the “Start Date” and “End Date” boxes at the top of the page and click “Get Prices” to review historical NAVs for a specific date range. For example, to view the mutual fund’s NAV for the month of November 2015, input Nov. Rbc fund prices rcb finance RBC Funds are offered by RBC Global Asset Management Inc. and sold by Royal Mutual Funds Inc. Royal Mutual Funds Inc. Royal Bank of Canada, RBC Global Asset Management Inc. Royal Trust Company and The Royal Trust Corporation of Canada are separate corporate entities that are affiliated. No-load funds with low investment minimums typically $500 per fund. These funds pay management fees to RBC GAM. A portion of the management fee is paid by RBC GAM as a trailing commission to the dealer for investment advice and other services. A mutual fund represents a pool of funds invested in various securities traded on the equities exchanges. Mutual funds are typically registered with the Securities and Exchange Commission (SEC) as open-end investment companies and must report their NAVs every trading day. Open-end mutual funds can issue any number of shares that can be purchased by any number of investors. In contrast, closed-end funds, whose shares are not redeemable and are issued at a fixed amount, are exempt from the requirement to report their NAVs daily. For open-end funds, NAVs change with portfolio value changes and also with the number of shares outstanding. For closed-end funds, NAVs change only with fluctuations in the value of the portfolio. A mutual fund calculates its NAV by determining the closing or last quoted price of all securities in its portfolio along with the total value of any additional assets the fund holds. Examples of additional assets a fund might hold include cash and liquid assets, receivables such as interest payments, and accrued income. From these assets, the mutual fund then deducts its liabilities. Examples of a mutual fund's liabilities include payments and fees owed to banks, operational expenses, and foreign liabilities. After deducting its liabilities from its assets, the mutual fund divides this number by its total number of outstanding shares to arrive at its NAV. For investors, it's important to understand the difference between the NAV update time and the trade cutoff time. The trade cutoff time, however, is the time by which all buy and sell orders for a mutual fund must be processed. Most mutual funds have self-imposed NAV updating deadlines, which are closely tied to the cut-off times for NAV publications in newspapers and other publications. These orders are executed using the NAV of the trade date. For example, if a mutual fund's trade cutoff time is p.m. EST, then trade orders must be processed before then to be filled at that business day's NAV. If an order comes in after the trade cutoff time, it will be filled using the next business day's NAV. RBC Capital Markets is a leading and longstanding player in the international commodities space. 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The Fund seeks to provide a high level of current income from short-term securities as is consistent with prudent investment management, the preservation of capital and maintenance of liquidity. Treasury bills, notes, bonds and other obligations issued or guaranteed by the U. The resource you are looking for (or one of its dependencies) could have been removed, had its name changed, or is temporarily unavailable. Please review the following URL and make sure that it is spelled correctly. Requested URL: /europe/institutional/prices-performance/... Rbc fund prices rbc banque royale near me Please refer to the "Portfolio Pricing Information" document located in the "Document Library" for further information. RBC Canadian Dividend Fund is an open-end fund incorporated in Canada. The Fund seeks to achieve long-term total returns consisting of regular dividend income and modest long-term capital growth. RBC Funds are offered by RBC Global Asset Management Inc. and sold by Royal Mutual Funds Inc. Royal Mutual Funds Inc. Royal Bank of Canada, RBC Global Asset Management Inc. Royal Trust Company and The Royal Trust Corporation of Canada are separate corporate entities that are affiliated. My employer offers contribution matching up to 3% into a group RSP with RBC. Within it I am restricted to owning GICs and RBC mutual funds. If you’ve done any of your own research or read some of my other pages you know that I am not a fan of mutual funds. At first I thought I could just open my own RRSP elsewhere and contribute there, but in doing so I’d give up the 3% salary contribution match. What if I just transferred any contributions from my RBC account into my other RRSP biweekly as they came? And that doesn’t include the opportunity cost of keeping that money out of the market for up to a month. Turns out RBC charges $50 to transfer funds, and it will take 2-4 weeks to transfer. My RRSP has upwards of 38 years to appreciate(since I’m only 27 right now), so an annual or even bi-annual transfer is almost certainly in my future. The promise of even marginal gains( Compounding interest is a magical thing! I can’t just let the money sit there and rot away until I accumulate enough to justify a $50 transfer. It’s time to take a close critical look at what my options are. When I started this job I knew next to nothing about investing, and I just assumed some magical thing was happening when money went into my RRSP. Turns out I was auto-investing in Guaranteed Investment Certificates (GIC), which DO have their place, but with 38 years ahead of me now is not the time to be conservative! The interest rate on these bad boys was a whopping 1.3%, and with inflation of 2% that’s a net loss of 0.7% per year! Our group RSP also gives access to the world of RBC mutual funds, and shortly after realizing I needed to ditch the GICs I called RBC, filled out my risk profile, and they recommended putting my money into RBC Select Aggressive Growth, which I blindly did. Fast forward to now and I thought I’d take a closer look at this fund. It has good allocation with 32.1% Canadian equity, 29.2% US equity, and 35.4% international equity. Good industry allocation with 25% in financials, and about 10% in the next top 4 (consumer products, IT, industrials, health care). Where it fails my criteria is a MER of 2.14%, and returns that don’t seem to be able to justify the high MER. But alas, maybe it is the best fund for me at this time. Data analysis and lots of assumptions on future performance! I’m only reviewing the funds I can actually own in my RRSP, which is most of them on this page, excluding any USD funds. I’ve summarized them all in an excel file which is where all the images on this page come from. I used the most up to date information they had, which ends July 31, 2015. I arbitrarily chose colours to differentiate between the types of funds according to the criteria below: I’m mostly considering funds based on my own needs, and the best funds for you, dear reader, may be different. Right now I have this RRSP, a TFSA, and a non-registered account. To make the most of my tax efficiency I need to hold bonds, US, and international equity in my RRSP. If you have questions about investing tax efficiency I recommend checking out Freedom Thirty Five’s blog post or Canadian Couch Potato. Here are the top 25 funds ranked according to their total return since inception. The first thing you should notice is that the top 13 funds are all less than 3.5 years old. Anything born after 2008 hasn’t lived through a market crash, and actually has been riding the 5 year bull market after said crash. So it’s really only fair to consider funds that lived through at least 1 crash. In my opinion the best performing fund is #15, Canadian Dividend. It has managed to hold onto over 10% annualized return despite living through the 20 crash. A MER of 1.76% is high, but much lower than all the funds surrounding it. Except maybe the O’Shaughnessy Canadian Equity fund, but that fund returned 2.5% less than Canadian Dividend. The other two funds that really catch my eye are #21 and #25. They have similar performance but 24 has a proven track record over the past 40 years. And remember that interest from bonds is taxed at your full income tax rate. Anyway the most interesting thing about this ranking is that the #2 spot goes to an . Bonds are more conservative, but I’m not totally dismissing them just because I’m young. Think about it, the fund that just sat and did nothing outperformed ALL of the actively managed funds except Life Science/tech. Most appealing in this section: Lets see who took advantage of the recent bull market best. And not by a little bit, but by nearly 4% every year over 5 years! It’s pretty clear that Life Sciences and Technology won that race, those sectors have been booming recently. Checking the calendar returns shows that in the past 10 years, the index fund RBF557 outperformed the nearly identical equity mutual fund RBF263 in 8/10 years. I kept finding this trend over and over comparing RBC index funds to their mutual fund counterparts. It’s clear that USA was the place to put your money over the past 5 years. All those purple global funds hold a large percentage in US stocks, which explains why they are also living large up top. The fund my money is currently riding on finally made an appearance in spot #19. It’s clear now that my money is better put elsewhere. Most appealing this section: To reiterate, this is from Jan 1st 2015 to July 31st 2015. Meaning it doesn’t include the massive losses we’ve seen in August. In fact international stock has topped out most of the US funds. And a quick check reveals that life sciences has dropped to the #4 position. Largely thanks to Japan because #24 there excludes Japan and look where it got them (24th place). And good old Emerging Markets Bonds made it into the top 25! Since the August shenanigans it has only dropped about 1%, which is what normally occurs with bonds during market crashes. Just for kicks I made this list up to 26 to include my old slacker friend Aggressive Growth. Well I don’t know about you guys, but I’m not sure I can stomach the -44% in 2013 even if I got back to back years of 65% returns. It seems other people have done a similar analysis to what I’ve done. Not pictured is most of the complete portfolio funds falling between rank 26 and 47 (out of 88 funds total) Mostly for fun, I’ll talk about some winners and losers in a few interesting categories. You did make up for it in 2013 with a 43.1% gain in one year. Canadian equity income came out of nowhere on this one! The thing about Life/Tech is that for 3 years it did basically nothing, then lost 29% in 2008. I am willing to bet that the reason there is so much yellow here is because RBC advisors recommend those most. However your compatriots made up for it in 2009 (and 2007? The top 4 in this list also correspond to the worst returns of any fund in all 10 years. Bonds are the way to save yourself in a market crash! After 4 years you are heavily in the red on this fund, do you realistically think you would have kept your money in what appeared to be a dying fund like that? Not that there’s anything wrong with any of these funds. For pure returns you can do better though based on everything that I’ve mentioned so far. It’s interesting to see that the #5 spot goes to a fund started only 6 years ago, compared to the second youngest fund being 22 years old. I assume that there was a big demand for a “very conservative” fund after the 2008 crash. It has performed well so far with its worst year being 2.5%. These are NOT ranked, they are ordered according to their tracking number. Speaking for myself, I plan to hold all my Canadian equity in my taxable account, and most of my international and US equity in my TFSA. My RRSP is going to be home for bonds and some more US equity. I included the Canadian and international equity funds just in case you feel like creating your own “balanced portfolio solution” instead of using RBCs prepackaged ones. This way you could decide exactly how much of each sector you wanted to invest. A possible portfolio might be: I hesitated including Canadian Dividend on this list because of how favorably dividends are taxed. Since the gains in your RRSP are all tax-free (sort of) you are better off keeping Canadian equity in a taxable account and saving tax-sheltered RRSP space for investments that are heavily taxed. Ultimately it’s more important to get started investing than it is to find the “perfect” investment. If you only have one of the prepackaged portfolio funds you’ll be fine. If you want to stretch your RRSP as far as you can you should start customizing your investments. Remember that a 0.2% higher return can get you an extra $25,000! This is a good time to mention that what you have read here or anywhere on this website is for educational purposes only and does not constitute professional financial advice. Do your own research and accept the consequences of your actions. I am not responsible for any financial losses that may result from you acting on the information you received by using this site. Once again, click the link below to download the file I used in my research (Don’t worry it’s clean). Or you can click here to be taken to the RBC webpage that should have the latest statistics on these funds. I’m changing three of my recommendations since I didn’t realize that I’m contradicting myself with the verdict above. RBC Mutual Fund Comparison excel file If you found anything else worth mentioning about these funds I’d love to hear about it. I should follow my own advice and not buy funds with a high MER. Here are the replacements: I left in RBF274 and RBF497 because I feel they are a good way to increase the risk (and hopefully reward) in a young person’s portfolio. They come at the cost of a higher MER, but RBC doesn’t offer any low cost index funds in these sectors. Like I mentioned above, in some rare cases a high MER can be justified if it’s the only way to get those returns. The four index funds are the same ones recommended by the Canadian Couch Potato.