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RBC Select Portfolios have been successfully delivering value to investors for decades. Choose from five portfolios to set your target level of risk and return. RBC Global Asset Management carefully constructs, actively monitors and regularly rebalances your solution to keep you on track even as markets change.
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For over 35 years, millions of Canadians have managed the complexity of investing with RBC Select Portfolios. See how RBC Select Balanced Portfolio has performed over the years -- including some of the toughest markets ever.
Scan through the interactive timeline below and click on a period to view notable global economic events () and key product launches ().
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RBC Select Balanced Portfolio, Series A
35+ year timeline and performance
Initial investment
$10,000
$80,000
$60,000
$40,000
$20,000
$80,000
$60,000
$40,000
$20,000
Please scroll down for more updated info
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Multiple layers of diversification
Effective diversification can help strike the right balance between growth and stability. When you hold a mix of investments, strength in one area of your portfolio can offset weakness in another. This can lead to a smoother investment experience as markets change.
A diversified portfolio helps reduce risk
Based on five-year rolling returns for a 25-year period ending April 30, 2024.
Source: RBC GAM. Past performance is not a guarantee of future results. Five-year rolling returns refer to periods of 60 consecutive months with new periods beginning on the first day of each month. Diversified Portfolio assumes monthly rebalancing as represented by 2% Cash, 38% Fixed income, 15% Canadian equities, 25% U.S. equities, 15% International equities and 5% Emerging market equities. Cash represented by FTSE Canada 30 DAY T-Bill Index; Fixed income represented by FTSE Canada Universe Bond Index; Canadian equities represented by S&P/TSX Composite Total Return Index; U.S. equities represented by S&P 500 Index; International equities represented by MSCI EAFE Index; Emerging markets equities represented by MSCI Emerging Markets Index. All returns are total returns in Canadian dollars, unless otherwise noted. Index returns do not reflect deduction of expenses associated with investments. If such expenses were reflected, returns would be lower. An investment cannot be made directly in an index.
Cash
-
Cash equivalents include GICs, T-bills and money market funds.
-
The growth potential for cash is low compared to other asset classes. So is the risk of losing money. In fact, the historical data shows cash equivalents typically don’t lose money.
-
Adding fixed income and equity, which offer the potential for relatively higher returns, can help your portfolio to grow and outpace inflation. These asset classes may also receive more favourable tax treatment if you are investing outside a registered plan like an RRSP or RESP.
Equities
-
The Canadian stock market is concentrated in the Financial, Energy and Materials sectors.
-
U.S. equities provide broad sector exposure to some of the world's largest companies. Many of these companies operate in global markets.
-
International equities offer more opportunities to diversify. They add exposure to both developed and emerging opportunities outside North America.
-
Historically, equities have had the highest growth. They also have the potential for higher losses. Equities receive the most favourable tax treatment if you are investing outside a registered plan like an RRSP or RESP.
Adding fixed income and cash to equities in your portfolio can help smooth out the ups and downs you may see with equities.
Fixed income
-
Fixed income include many different types of bonds.
- Fixed income typically offers higher returns than cash investments. But a portfolio consisting only of fixed income investments may not provide the growth you need.
- Adding equities to your portfolio can add growth and also help you take advantage of lower tax rates if you are investing outside a registered plan like an RRSP or RESP.
Diversified portfolio
-
Combining all three asset classes in your portfolio can help you benefit from the growth potential of equities and while you enjoy the increased stability and lower risk provided by cash and fixed income investments.
-
The right mix for you depends on your personal situation and preferences as an investor.
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RBC Select Portfolios keeps you current
Over the last decade, we’ve added more than two dozen new strategies to RBC Select Portfolios. We’ve added new asset classes, such as alternatives, entered new markets, diversified the breadth of our fixed income holdings and leveraged new quantitative capabilities.
Continuous monitoring & rebalancing
- Strategic asset allocation: The RBC GAM Investment Strategy Committee develops long-term views on the global economy and markets that are a roadmap to help your portfolio navigate changing markets.
- Tactical asset allocation: The RBC GAM Investment Policy committee manages your asset mix to ensure your portfolio remains well positioned as market conditions change.
- Underlying fund selection: Built using a blend of RBC Funds, PH&N Funds and BlueBay Funds. We make sure that these underlying funds meet our selection criteria and that they are fulfilling their purpose within your portfolio.
- Professional management: Managed by our experienced team, who work to make sure your portfolio navigates changing markets, while staying aligned with your investment objectives.
Five distinct investor profiles
RBC Select Portfolios are available in five distinct investor profiles. We manage each one in line with a specific mix of investments. You choose the mix that delivers an acceptable level of risk.
Built-in access to global expertise
To learn more about RBC Select Portfolios, speak to an advisor.