(As of 10/31/2026)

PH&N LifeTime 2050 Fund Series D

(2045+ Target Date Portfolio)

FundGrade A+^® Rating recipient
For more information about FundGrade click here

2018
2017

Inception Return (8/11/2014)	8.25 %
YTD Return	8.37 %

NAVPS (11/10/2026)	$17.49
Change	($0.03) / -0.20 %

Growth of $10,000 (As of October 31, 2026)

MER	1.19 %
Assets ($mil)	$554.73
Rank (1Yr)	39/39
Std Dev (3Yr)	8.87 %
Volatility Ranking (3Yr)	4/10
RRSP Eligibility	Yes
Load	No Load
Max Front End	-
Max Back End	-
Sales Status	Open

Objective

The fundamental investment objectives of the Fund are to achieve a balance of income and long-term capital growth relative to its target retirement date of 2050 by investing primarily in investment funds that invest in equity, fixed-income, income trust and money market securities and ETFs, or by investing directly in such securities.

Fund Manager

RBC Global Asset Management Inc.

Portfolio Manager

Sarah Riopelle, RBC Global Asset Management Inc.

Ashley Warburton, RBC Global Asset Management Inc.

Sub-Advisor

Asset Allocation
(As of September 30, 2026)

Sector Allocation
(As of September 30, 2026)

Geographic Allocation
(As of September 30, 2026)

Top 10 Holdings

Name	Asset	Sector	Geographic	Percent
PH&N U.S. Equity Fund Series O	US Equity	Mutual Fund	United States	14.68%
RBC Global Equity Leaders Fund Series O	International Equity	Mutual Fund	Multi-National	13.73%
PH&N Canadian Equity Underlying Fund Series O	Canadian Equity	Mutual Fund	Canada	12.37%
PH&N Canadian Equity Value Fund Series O	Canadian Equity	Mutual Fund	Canada	11.60%
RBC QUBE Global Equity Fund Series O	International Equity	Mutual Fund	Multi-National	10.12%
RBC Emerging Markets Equity Fund Series O	International Equity	Mutual Fund	Multi-National	9.51%
RBC International Equity Fund Series O	International Equity	Mutual Fund	Multi-National	5.46%
PH&N Bond Fund Series O	Domestic Bonds	Fixed Income	Canada	3.97%
RBC Global Equity Focus Fund Series O	International Equity	Mutual Fund	Multi-National	3.66%
RBC U.S. Mid-Cap Value Equity Fund Series O	US Equity	Mutual Fund	United States	3.19%

Performance Data (As of October 31, 2026)

	Return (%)				Annualized Return (%)
Return	1 Mth	3 Mth	6 Mth	YTD	1 Yr	3 Yr	5 Yr	10 Yr
Fund	-2.32	-1.49	3.31	8.37	8.58	17.64	6.93	8.06
Benchmark	-2.54	-0.91	4.90	9.72	8.27	17.78	9.50	9.75
Quartile Ranking	2	2	3	4	4	4	4	4

Calendar Return (%)	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
Fund	15.10	16.98	5.96	-14.56	13.07	12.80	18.18	-3.58	12.32	7.24
Benchmark	13.15	21.57	15.07	-12.03	11.33	12.17	16.29	0.72	11.99	3.66
Quartile Ranking	4	4	4	4	4	3	3	2	2	-

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