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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.

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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 2024. 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.

2005	2006	2007	2008	2009
RBC Target 2025 Education Fund

2010	2011	2012	2013	2014
RBC Target 2030 Education Fund

2015	2016	2017	2018	2019
RBC Target 2035 Education Fund

2020	2021	2022	2023	2024
RBC Target 2040 Education Fund

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