About Roytrin
When you invest in a mutual fund, you are investing in a pool of securities managed by our investment experts.
The Roytrin Family of Mutual Funds consists of Money Market Funds, Income Funds, Income and Growth Funds, and High Yield Funds.
The funds have a range of objectives and currencies to meet each of your investment needs.
Features & Benefits
Mutual funds consistently outperform traditional deposit instruments.
The small investor has access to a diversified portfolio of quality investments.
The NAV per unit for each fund is calculated daily so that the prices of units accurately reflect the true value of the funds' underlying assets. This provides the client with transparency about the true value of their holdings and is in line with international standards.
*The NAV per unit is the Net Asset Value of the Fund which is calculated as the total assets of the fund less its total liabilities, divided by the total number of outstanding unit
Unlike other Mutual Funds, there are no charges when you buy units.
Roytrin's Family of Mutual Funds is managed by a team of professional investment managers with over TT$27 billion in assets under management.
Roytrin's Family of Mutual Funds provides high liquidity by allowing clients to cash in their investments at any time.
Roytrin's Mutual Funds provide a steady source of income for its clients. The Money Market Funds pay interest daily, the Income Funds pay interest monthly and the Income & Growth Funds pay income quarterly.
Many of Roytrin's Mutual Fund accounts can be opened with as little as TT$500.00 or US$100.00 with subsequent contributions as low as TT$100.00 or US$25.00 making it affordable to almost everyone.
You can make subscriptions to your Roytrin Mutual Fund account at any branch of RBC Royal Bank or via our Online Banking and Mobile Banking platforms.
Our Digital Banking platforms allow you to do the following:
- View all of your Roytrin accounts in a category labelled “Investments”.
- View the balances and transaction history of each of your Roytrin mutual fund accounts.
- Make subscriptions to your Roytrin mutual fund accounts.
- Set-up recurring and upcoming subscriptions to your Roytrin mutual fund accounts.
Roytrin Money Market Fund
The Roytrin Money Market Fund is an open-ended mutual fund that specifically targets investors seeking to invest in short-term securities which offer high liquidity and a competitive rate of return.
The objective of the Fund is to provide current income and liquidity, while seeking to preserve capital, by investing in a range of high quality short-term debt securities with tenors of no more than one year.
Among the Fund's strong points:
- Investment objective is to preserve capital
- Daily distribution of income
- Available in TT and US dollars
- Professional asset management capability
- RBC Royal Bank’s experience and stability
This fund may be suitable for you if:
- You are seeking current income
- You are looking for a liquid short-term investment
- You have a low tolerance for risk.
| Units | Initial Investment | Minimum Subsequent Investments |
|---|---|---|
| Class A “TT Dollar Series” | TT$100,000 | TT$10,000 |
| Class B “US Dollar Series” | US$10,000 | US$1,000 |
How is the Fund Invested?
The Fund invests in a broad selection of assets which include:
- Treasury bills issued by sovereigns
- Money market instruments
- Deposits with financial institutions
- Short-term corporate debt obligations
- Money Market mutual funds listed on any recognized stock exchange
- Other short-term debt instruments
Note: The prospectus is a concise outline of relevant information about the Fund which an investor should know before making a decision to purchase the Units. It contains information about the Roytrin Money Market Fund, as well as the names of the persons responsible for its organization and management. You are encouraged to read the prospectus in its entirety prior to making any investment decision.
Disclaimer: The Trinidad & Tobago Securities and Exchange Commission has not in any way evaluated the merits of the securities offered here and any representation to the contrary is an offence. Performance is subject to variation and is likely to change over time. Past performance should not be treated as an indicator of future performance.
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Roytrin Income Fund
The Roytrin Income Fund is an open-ended mutual fund that specifically targets investors with a short to medium term investment horizon.
This fund is geared towards investors seeking a high level of interest income consistent with investing over the medium term.
This objective will be achieved through investment in a range of high quality securities, including bonds and short-term debt securities.
Among the Fund's strong points:
- Monthly distribution of income
- Available in TT and US dollars
- Professional asset management capability
- RBC Royal Bank’s experience and stability
This fund may be suitable for you if:
- You are seeking current income
- You are looking for a liquid short to medium term investment
- You have a low-to-medium tolerance for risk
| Units | Initial Investment | Minimum Subsequent Investments |
|---|---|---|
| TT Dollar | TT$500 | TT$100 |
| US Dollar | US$100 | US$25 |
How is the Fund Invested?
The Fund invests in a broad selection of assets which include:
- Corporate bonds and debentures
- Government bonds and other government debt obligations
- Money market instruments and deposits with financial institutions
- Mutual funds listed on any recognized stock exchange
- Securitized mortgages and debt obligations
- Other securitized investments
- Short-term debt instruments
Note: The prospectus is a concise outline of relevant information about the Fund which an investor should know before making a decision to purchase the Units. It contains information about the Roytrin TTD and USD Income Funds, as well as the names of the persons responsible for their organization and management. You are encouraged to read the prospectus in its entirety prior to making any investment decision.
Disclaimer: The Trinidad & Tobago Securities and Exchange Commission has not in any way evaluated the merits of the securities offered here and any representation to the contrary is an offence. Performance is subject to variation and is likely to change over time. Past performance should not be treated as an indicator of future performance.
View Returns
Roytrin Income & Growth Fund
The Roytrin Income & Growth Fund is an open-ended mutual fund that specifically targets investors with medium to long-term investment objectives, who are seeking income and growth from a combination of fixed income and equity securities.
These objectives are achieved through investment in a range of high quality securities, including stocks, bonds and short-term debt securities.
Among the Fund's strong points:
- Balanced fund with both fixed income and equities
- Quarterly distribution of income
- Available in TT and US dollars
- Professional asset management capability
- RBC Royal Bank’s experience and stability
This fund may be suitable for you if:
- You are seeking current income
- You are seeking long-term capital appreciation
- You have a medium tolerance for risk
| Series | Initial Investment | Minimum Subsequent Investments |
|---|---|---|
| TT Dollar | TT$500 | TT$100 |
| US Dollar | US$100 | US$25 |
How is the Fund Invested?
The Fund invests in a broad selection of assets which include:
- Corporate bonds and debentures
- Government bonds and other government debt obligations
- Money market instruments and deposits with financial institutions
- Mutual funds listed on any recognized stock exchange or traded on over-the-counter markets
- Shares in companies listed on any recognized stock exchange or traded on over-the-counter markets
- Shares in private companies, including Venture Capital entities
- Securitized mortgages and debt obligations
- Other securitized investments
- Repurchase agreements
- Commercial paper
Note: The prospectus is a concise outline of relevant information about the Fund which an investor should know before making a decision to purchase the Units. It contains information about the Roytrin TTD and USD Income & Growth Funds, as well as the names of the persons responsible for their organization and management. You are encouraged to read the prospectus in its entirety prior to making any investment decision.
Disclaimer: The Trinidad & Tobago Securities and Exchange Commission has not in any way evaluated the merits of the securities offered here and any representation to the contrary is an offence. Performance is subject to variation and is likely to change over time. Past performance should not be treated as an indicator of future performance.
View Returns
Roytrin High Yield Mutual Fund
Roytrin's High Yield Fund is an open-ended mutual fund for investors who want high returns over the medium to long-term by investing in a mix of local and international securities with exposure to emerging markets and a range of currencies.
Among the Fund's strong points:
- High Yield Investment Objective
- Available in TT and Euro currency
- Professional asset management capability
- RBC Royal Bank’s experience and stability
This fund may be suitable for you if:
- You are not seeking current income
- You are seeking capital appreciation over the medium to long-term
- You have a medium tolerance for risk
| Units | Initial Investment | Minimum Subsequent Investments |
|---|---|---|
| Class A “TT Dollar Series” | TT$10,000 | TT$500 |
| Class B “Euro Dollar Series” | €1,000 | €100 |
How is the Fund Invested?
The Fund invests in a broad section of assets which include:
- Money Market Instruments and Deposits with financial institutions
- Debt obligations of select Sovereign Nations
- Corporate debt obligation
- Mutual Funds listed on select recognized stock exchanges
- Short-term debt instruments
- Exchange Traded Funds
- Deposit Receipts
Note: The prospectus is a concise outline of relevant information about the Fund which an investor should know before making a decision to purchase the Units. It contains information about the Roytrin High Yield Fund, as well as the names of the persons responsible for their organization and management. You are encouraged to read the prospectus in its entirety prior to making any investment decision.
Disclaimer: The Trinidad & Tobago Securities and Exchange Commission has not in any way evaluated the merits of the securities offered here and any representation to the contrary is an offence. Performance is subject to variation and is likely to change over time. Past performance should not be treated as an indicator of future performance.
View Returns
Frequently Asked Questions
A Mutual Fund is an investment vehicle where investors funds are pooled together to buy and sell various securities on behalf of investors with common investment objectives.
The benefits are as follows:
Professional Management – The funds are managed by Investment Managers who have the required knowledge and expertise in the area of investment of funds.
Diversification – Mutual Funds invest in a diverse range of underlying investment instruments thereby reducing the risk of the portfolio.
Liquidity – Units held in the fund are readily converted to cash.
Competitive Returns – Returns are higher than those of traditional Bank deposits.
Convenience – You can invest in Roytrin at any RBC Royal Bank branch or via the Digital Banking platform.
The NAV is the Net Asset Value of the Fund which is calculated as the net assets of the fund (i.e. the fund's total assets less liabilities) divided by the total number of outstanding units of the fund.
Simply visit any branch of RBC Royal Bank branch or complete our Roytrin Mutual Funds Preliminary Application Form (opens new window) and one of our officers will contact you.
- TTD Money Market Fund
- USD Money Market Fund
- TTD Income Fund
- USD Income Fund
- TTD Income & Growth Fund
- USD Income & Growth Fund
- TTD High Yield Fund
- EUR High Yield Fund
- Capital gains arise from the difference in the Net Asset Value (NAV) per unit at the time of purchase and the NAV at the time of redemption of units invested in the fund.
- Distribution of Income - All distributions will, in the absence of instructions from the investor to the contrary, be reinvested in additional units of the fund.
It is the combined effect of these two factors that enable the computation of an investor's overall return.
The Roytrin Mutual Funds do not carry any load charge. This is unlike other mutual funds in the market which carry front end or back end load charges.
Yes, a lien can be placed on an investor's mutual funds. The amount which can be applied differs based on the fund type as follows:
- Money Market Funds - 90%
- Income Funds - 80%
- High Yield Funds - 80%
- Income & Growth Funds – 66.67%
A team of Investment Specialists is available to help you to learn more about our investment options and help you to determine which of these funds are suitable for your needs. You may also speak with a Relationship Manager or Financial Solutions Specialist at your branch.
Resources
- Roytrin TTD Income & Growth Fund - 30 Sept. 2024 (PDF)
- Roytrin USD Income & Growth Fund - 30 Sept. 2024 (PDF)
- Roytrin TTD Income Fund - 30 Sept. 2024 (PDF)
- Roytrin USD Income Fund - 30 Sept. 2024 (PDF)
- Roytrin TTD High Yield Fund - 30 Sept. 2024 (PDF)
- Roytrin Euro High Yield Fund - 30 Sept. 2024 (PDF)
- Roytrin TTD Money Market Fund - 30 Sept. 2024 (PDF)
- Roytrin USD Money Market Fund - 30 Sept. 2024 (PDF)
- Roytrin TTD Money Market Fund - Audited Financials 2024 (PDF)
- Roytrin USD Money Market Fund - Audited Financials 2024 (PDF)
- Roytrin Euro High Yield Fund - Audited Financials 2024 (PDF)
- Roytrin TTD High Yield Fund - Audited Financials 2024 (PDF)
- Roytrin TTD Income Fund - Audited Financials 2023 (PDF)
- Roytrin TTD Income & Growth Fund - Audited Financials 2023 (PDF)
- Roytrin USD Income Fund - Audited Financials 2023 (PDF)
- Roytrin USD Income & Growth Fund - Audited Financials 2023 (PDF)
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To find out more about your investment options, contact one of our Investment Specialists
