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Terms and conditions for Canada

The RBC Portfolio Solutions Team is based in Toronto, Canada. With a disciplined approach to asset allocation, we oversee a comprehensive lineup of multi-asset portfolios designed to meet a wide range of investor objectives.


Our approach:

  • We take an active approach to portfolio management with a long-term investment view.
  • We employ a team-based approach in order to provide our clients with the full depth and breadth of the combined expertise that RBC Global Asset Management has to offer, across asset classes and geographic regions.
  • We diversify globally in an effort to reduce volatility and deliver a smoother investor experience.
  • We manage the asset mix in line with our global forecasts and take a disciplined approach to rebalancing.

Active asset allocation

Global reach

Diversified investment solutions

Long track-record

Studies have shown that the asset allocation decision is a key driver of long-term investment performance.1


When making asset allocation decisions, we consider all available investment options and establish optimal exposures to the various asset classes and strategies based on the overall portfolio parameters. The goal is to find the best blend of strategies that provides the maximum amount of return for the profile-appropriate level of risk.

Global presence, local expertise

RBC Portfolio Solutions are constructed from a family of RBC Funds spanning a diverse set of asset classes and geographic regions. This broadly diversified multi-fund structure benefits from each portfolio manager’s focus on how market trends specifically affect the asset class, region, or industry for which they are responsible.


Today, we have investment teams in key markets across the globe, along with multiple research and development teams who monitor ongoing developments in local markets.

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Strategic

The strategic asset mix can be considered the benchmark or “neutral” investment plan that anchors a portfolio through many business and investment cycles.

Tactical

More active than the strategic asset mix, a tactical approach involves adjusting exposures to asset classes based on shorter-term market expectations.

Daily management

Daily management of portfolio drift and ongoing monitoring means the portfolios remain well-positioned throughout short-term market movements.

Long-term:
Reviewed every
24-36 months

Short-term:
Reviewed
monthly/quarterly

Day-to-day:
Review holdings, cash
positions, portfolio drift, etc.

Strategic

Tactical

Daily management

Excess returns (alpha)

Long-term:
Reviewed every
24-36 months

Strategic

Short-term:
Reviewed
monthly/quarterly

Tactical

Day-to-day:
Review holdings, cash
positions, portfolio drift, etc.

Daily management

Excess returns (alpha)

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  • Our tactical asset allocation process starts with the RBC Global Asset Management Investment Strategy Committee (RISC), which is led by the firm’s Chief Investment Officer, and made up of senior investment professionals from across the firm.
  • RISC develops economic and market forecasts by assessing global fiscal and monetary conditions, projected economic growth and inflation, as well as the expected course of interest rates, major currencies, corporate profits and stock valuations.
  • The views of RISC directly influence the work of the RBC Investment Policy Committee (IPC), which develops the tactical asset-mix strategies across all RBC Portfolio Solutions. Our team implements and monitors these strategies.

Since the first portfolio solution was launched in 1986, our investment process has continuously evolved. The increasing global presence of RBC Global Asset Management provides us with access to analysts and portfolio managers who possess a high level of skill and expertise in the markets that they cover. And with the advancement of technology, we have improved the way we monitor risk exposures, assess fund performance in real time and conduct scenario analysis to more accurately predict how investments will perform in various market conditions. We are constantly looking for ways to achieve better investor outcomes and we embrace innovation in a world of rapidly changing financial markets and investment options.

Funds we manage (56)

Fund name
PH&N Balanced Fund
PH&N LifeTime 2015 Fund
PH&N LifeTime 2020 Fund
PH&N LifeTime 2025 Fund
PH&N LifeTime 2030 Fund
PH&N LifeTime 2035 Fund
PH&N LifeTime 2040 Fund
PH&N LifeTime 2045 Fund
PH&N LifeTime 2050 Fund
PH&N LifeTime 2055 Fund
PH&N U.S. Multi-Style All-Cap Equity Class
PH&N U.S. Multi-Style All-Cap Equity Fund
RBC $U.S. Strategic Income Bond Fund
RBC Balanced Growth & Income Class
RBC Balanced Growth & Income Fund
RBC Canadian Bond Index Fund
RBC Conservative Bond Pool
RBC Conservative Growth & Income Fund
RBC Core Bond Pool
RBC Core Plus Bond Pool
RBC Global All-Equity Portfolio
RBC Global Balanced Portfolio
RBC Global Bond & Currency Fund
RBC Global Conservative Portfolio
RBC Global Growth & Income Fund
RBC Global Growth Portfolio
RBC Global Very Conservative Portfolio
RBC International Index Currency Neutral Fund
RBC Managed Payout Solution
RBC Managed Payout Solution - Enhanced
RBC Managed Payout Solution - Enhanced Plus
RBC Monthly Income Bond Fund
RBC Retirement 2020 Portfolio
RBC Retirement 2025 Portfolio
RBC Retirement 2030 Portfolio
RBC Retirement 2035 Portfolio
RBC Retirement 2040 Portfolio
RBC Retirement 2045 Portfolio
RBC Retirement 2050 Portfolio
RBC Retirement Income Solution
RBC Select Aggressive Growth Portfolio
RBC Select Balanced Portfolio
RBC Select Choices Aggressive Growth Portfolio
RBC Select Choices Balanced Portfolio
RBC Select Choices Conservative Portfolio
RBC Select Choices Growth Portfolio
RBC Select Conservative Portfolio
RBC Select Growth Portfolio
RBC Select Very Conservative Portfolio
RBC Strategic Income Bond Fund
RBC Target 2020 Education Fund
RBC Target 2025 Education Fund
RBC Target 2030 Education Fund
RBC Target 2035 Education Fund
RBC U.S. Index Currency Neutral Fund
RBC Vision Balanced Fund

1Brinson, Gary P., Brian D. Singer, and Gilbert L. Beebower. 1991. “Determinants of Portfolio Performance II: An Update.”

Our story

Managing people's wealth is a privilege. Our commitment to investors is personal, and we take that duty seriously.

Learn more about our story
Disclosure
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. RBC Funds, BlueBay Funds and PH&N Funds are offered by RBC Global Asset Management Inc. and distributed through authorized dealers.