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RBC Target 2025 Education Fund reached its maturity date on November 21, 2025 and is now closed.

News release

Your child’s education is an investment in their future. But it can be an expensive one. Whether you're investing inside or outside of a registered plan, we have the right solution to ensure your child has enough to pay for post-secondary education.

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Three easy steps to invest in your child’s future

RBC Target Education Funds are a simple way to save for all the expenses students may face – including tuition, textbooks, transportation and more. How can you get started?

  1. Select a fund that matches your target date.
  2. Set your savings goal.
  3. Grow your savings over time.

A growth focus up front

We invest in growth-oriented funds in the early years.

Evolving into a more conservative asset mix

We gradually invest more in fixed income and cash to help protect any gains you may have accumulated.

A focus on protecting your assets

We ultimately move to 100% cash by the target date.

How your asset mix evolves as your target date approaches

Source: RBC GAM. The pie graphs represent the target asset mix of each RBC Target Education Fund along the education savings timeline for 2025. For illustrative purposes only. Target allocation of the Fund may vary in accordance with the targets outlined in the prospectus. Each fund becomes increasingly conservative over time.

By holding RBC Target Education Funds in a Registered Education Savings Plan (RESP) you could receive a grant of 20% on the first $2,500 you invest each year, up to a life time maximum of $7,200 per child.

Further, growth in an RESP is tax-deferred. In the future, when your child begins to take Educational Assistance Payments from their RESP, they will be taxed as income to your child. And since many students have little or no income, taxes will likely be low. For more details, read our article on RESPs.

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To learn more about RBC Target Education Funds, speak to an advisor.

Disclosure


Date of publication: November 24, 2025

This has been provided by RBC Global Asset Management Inc. (RBC GAM) and is for informational purposes, as of the date noted only. It is not intended to provide legal, accounting, tax, investment, financial or other advice and such information should not be relied upon for providing such advice. RBC GAM takes reasonable steps to provide up-to-date, accurate and reliable information, and believes the information to be so when provided. Past performance is no guarantee of future results.

Please consult your advisor and read the prospectus or Fund Facts document before investing. There may be commissions, trailing commissions, management fees and expenses associated with mutual fund investments. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated. If shown, the indicated rates of return are the historical annual compounded total returns for the periods indicated including changes in unit value and reinvestment of all distributions and do not take into account sales, redemption, distribution or optional charges or income taxes payable by any unitholder that would have reduced returns. RBC Funds, BlueBay Funds and PH&N Funds are offered by RBC Global Asset Management Inc. and distributed through authorized dealers in Canada.