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Commercial mortgages can provide a compelling, income-focused total return. With the inclusion of conventional, conventional plus and high yield mortgages, RBC Commercial Mortgage Fund offers easy access across the mortgage risk spectrum.

Why invest in commercial mortgages?

Enhance yield

Can offer a meaningful yield pick-up over government and investment-grade corporate bonds.

Diversify your portfolio

Typically have a favourable risk/return profile and a low correlation to other asset classes like stocks and bonds.

Preserve capital

Reduce credit risk as mortgages are tied to tangible and mostly income-producing assets.
  • Focuses on preserving capital and delivering consistent value-add across varied market environments and cycles.

  • Provides breadth and diversification to manage mortgage-specific risk. Underlying funds include PH&N Mortgage Pension Trust, PH&N Conventional Plus Mortgage Fund and PH&N High Yield Mortgage Fund.

  • Applies a quality-biased, long-term approach by investing in mortgages held to maturity.

  • Draws on more than 45 years of combined investment experience among the members of our Mortgage Investments team.

  • Takes advantage of a robust network of mortgage origination and servicing partners.

Our mortgage investment process

Origination strategy

Focuses on portfolio construction and setting origination guidance.

Credit analysis

Drives individual investment decisions. Includes an assessment of property-specific and borrower-specific ESG risk factors.

Deal structuring

Mitigates risk through negotiation of individual mortgage terms and structure, unique to each investment decision.

Risk management

Takes a proactive approach throughout the life of each mortgage. Data-driven insights inform the team’s origination strategy moving forward.
rbc commercial mortgage investment process

Disclosure

This information is not intended to be an offer or solicitation to buy or sell securities or to participate in or subscribe for any service. No securities are being offered, except pursuant and subject to the respective offering documents and subscription materials, which may be provided to qualified investors only. This document is for general information only and is not, nor does it purport to be, professional advice or a complete description of an investment in any fund managed by RBC Global Asset Management Inc. (RBC GAM).

If there is an inconsistency between this document and the respective offering documents, the provisions of the respective offering documents shall prevail. Information obtained from third parties is believed to be reliable, but no representation or warranty, express or implied, is made by RBC GAM, its affiliates or any other person as to its accuracy, completeness or correctness. RBC GAM and its affiliates assume no responsibility for any errors or omissions.

Investments in alternative funds are speculative and involve significant risk of loss of all or a substantial amount of your investment. Alternative funds may: (i) engage in leverage and other speculative investment practices that may increase the risk of investment loss; (ii) can be highly illiquid; (iii) are not required to provide periodic pricing or valuation information to investors; and (iv) are not subject to the same regulatory requirements as prospectus-offered mutual funds. In assessing the suitability of this investment, investors should carefully consider their personal circumstances including time horizon, liquidity needs, portfolio size, income, investment knowledge and attitude toward price fluctuations. Investors should consult their professional advisors and consultants regarding any tax, accounting, legal or financial considerations before making a decision as to whether the funds mentioned in this material are a suitable investment for them.

Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the fund’s offering documents before investing. Except as otherwise noted, the indicated rates of return are the historical annual compounded total returns for the periods indicated. The rates of return for periods of less than one year are simple rates of return. The performance data provided assumes reinvestment of distributions only and does not take into account sales, redemption, distribution or optional charges or income taxes payable by any unitholder that would have reduced returns. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated. Alternative strategies: commercial mortgages

A simple way to invest in a well-diversified portfolio of commercial mortgages