{"id":92892,"date":"2025-03-20T09:03:55","date_gmt":"2025-03-20T13:03:55","guid":{"rendered":"https:\/\/www.rbcroyalbank.com\/en-ca\/?post_type=rbc_my_money_matter&#038;p=92892"},"modified":"2025-03-20T13:14:56","modified_gmt":"2025-03-20T17:14:56","slug":"exchange-rate-effect","status":"publish","type":"rbc_my_money_matter","link":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/inspired-investor\/investing-academy\/exchange-rate-effect\/","title":{"rendered":"The Exchange Rate Effect: Understanding Its Role in Your Investments"},"content":{"rendered":"<div class=\"wp-block-rbc-single-article-header\">\n\t<section class=\"section-grey cover pad-t-hlf\">\n\t\t<div class=\"section-inner w-half w-mob-full centered-margin cover section-grey pad-tb-0\">\n\t\t\t\t\t\t\t<div class=\"inline-block pill-container pill-taxonomies\">\n\t\t\t\t\t<div class=\"mar-b-hlf mob-mar-b snipe pill is-style-blue-pill\">\n\t\t\t\t\t\t<a class=\"primary-taxonomy\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/economy\/\">\n\t\t\t\t\t\t\t<span>Economy<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<h1 class=\"mar-b-hlf mar-t-0 mob-pad-lr-hlf h2 has-black-color\">The Exchange Rate Effect: Understanding Its Role in Your Investments<\/h1><p class=\"mar-b-0 mob-pad-lr-hlf author-text\">By The Inspired Investor Team<\/p>\t\t\t\t\t<div class=\"featured-image-wrapper pos-rel\">\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/03\/shutterstock_2211703031.jpg?quality=80\" class=\" cover-image  wp-post-image\" alt=\"Animated image with a cartoon woman balancing on a seesaw on top of a pile of coins. Sky is blue and there are clouds in the background.\" srcset=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/03\/shutterstock_2211703031.jpg 6500w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/03\/shutterstock_2211703031.jpg?resize=300,169 300w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/03\/shutterstock_2211703031.jpg?resize=768,432 768w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/03\/shutterstock_2211703031.jpg?resize=1024,576 1024w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/03\/shutterstock_2211703031.jpg?resize=1536,864 1536w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/03\/shutterstock_2211703031.jpg?resize=2048,1152 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t<\/section>\n\t<div class=\"article mar-t-dbl\">\n\t\t\t\t<section>\n\t\t\t<div class=\"section-inner socials-section\">\n\t\t\t\t<div class=\"top-socials-bar mob-mar-b-hlf\">    <div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n            <a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=The Exchange Rate Effect: Understanding Its Role in Your Investments &#038;body=Hi, I thought you might be interested in this article from RBC My Money Matters: https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/inspired-investor\/investing-academy\/exchange-rate-effect\/\">\n        <img decoding=\"async\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n          alt=\"envelope icon\">\n        <span>\n          Email        <\/span>\n      <\/a>\n      <div class=\"social-button-wrapper sharing-copy-wrapper\">\n        <button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/inspired-investor\/investing-academy\/exchange-rate-effect\/\">\n          <img decoding=\"async\"\n            src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n            alt=\"copy icon\">\n          <span id=\"sharing-copyUrl-Label\">\n            Copy URL          <\/span>\n        <\/button>\n        <input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n      <\/div>\n    <\/div>\n  <\/div>\n\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section>\n\t\t\t<div class=\"section-inner w-half w-mob-full centered-margin pad-tb-0 mob-mar-t-hlf mob-mar-b\">\n\t\t\t\t<p class=\"cover-pub-line text-xs mar-b-hlf\">Published March 20, 2025 \u2022 4 Min Read<\/p>\t\t\t<\/div>\n\t\t<\/section>\n\t<\/div>\n<\/div>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner w-half w-mob-full\" style=\"border-radius:0x\">\n<p><em>This article was originally published on\u00a0<em><a href=\"https:\/\/www6.royalbank.com\/en\/di\/hubs\/now-and-noteworthy\/article\/the-exchange-rate-effect\/m80gui7w\" data-dig-id=\"LP-92892-55d68aab\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"RBC Direct Investing\" class=\"rbc-link-format\">RBC Direct Investing<\/a><\/em>.\u00a0<\/em><\/p>\n\n\n\n<p>If you\u2019ve ever travelled abroad, you\u2019ve likely felt the impact of exchange rates. Before heading to the register or ordering a meal, you do the mental math to decide if you\u2019re getting a deal or paying more than you would at home.<\/p>\n\n\n\n<p>The same dynamics are at play in a portfolio that holds investments in a currency other than Canadian dollars. However, an investor with a smart strategy may be able to make exchange rates work in their favour \u2013 and at times, that impact can be significant.<\/p>\n\n\n\n<p>\u201cCurrency exposure is often an afterthought for investors, but it\u2019s been a huge tailwind for Canadians who are invested down south,\u201d explains Dan Mitchell, Senior Portfolio Manager on RBC Global Asset Management\u2019s Global Fixed Income and Currencies team. That\u2019s because when the loonie is falling relative to investments held in a foreign currency, as has been the case with the U.S. dollar in recent years, it boosts the value of your investment when converted back into Canadian dollars.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-where-the-loonie-stands-globally\">Where the loonie stands globally<\/h2>\n\n\n\n<p>At times you might hear the dollar referred to as being weak or strong, but that\u2019s a little misleading. That\u2019s because currencies always trade in pairs \u2013 with one currency being compared to another. The dollar might look strong when paired with one currency but weak against another. Typically, though, most of the time currencies are compared to the U.S. dollar.<\/p>\n\n\n\n<p>The Canadian dollar is currently languishing at a five-year low relative to its U.S. counterpart. There are several reasons for that. For starters, the U.S. has had stronger economic growth, higher interest rates and more attractive equity returns over that period, which has encouraged investors to buy U.S. dollars to invest in that country. At the same time, demand for the Canadian dollar has been sliding as the country has been cutting rates while grappling with high consumer debt levels and lower productivity, explains Mitchell.<\/p>\n\n\n\n<p>The brewing tariff war that the U.S. recently initiated against Canada could put further pressure on the loonie, says Mitchell, with some companies opting to delay investments until the dust settles. But that\u2019s just the loonie versus the greenback. It\u2019s a different story when you compare the Canadian dollar to other currencies.<\/p>\n\n\n\n<p>Although the Canadian dollar has been losing ground relative to the U.S. dollar, it has been relatively unchanged compared to the euro, the pound or the yen, explains Mitchell. \u201cFor the past six months, there\u2019s been very little distinguishing one currency from another; they\u2019re all really reflecting the performance of the greenback<a>\u201d<\/a>, he says. \u201cIt\u2019s very unusual for currency markets to be in such tight ranges.\u201d While there are still differences between the loonie and other major currency markets, the fact that those fluctuations are more muted relative to the U.S. dollar means the exchange rate will have less of an impact on your returns if you have investments in Europe or Japan.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-watch-the-trends\">Watch the trends<\/h2>\n\n\n\n<p>Regardless of how frequently you trade assets in a foreign currency, don\u2019t overlook the impact the exchange rate can have on your return. Even with the loonie testing multi-year lows, Mitchell notes it\u2019s important to know that currencies tend to cycle over time.<\/p>\n\n\n\n<p>Given that the Canadian dollar is very cheap next to the greenback, investors need to consider whether it has much more room to fall and weigh that against the risk to their U.S.-dollar holdings if the loonie starts to strengthen. \u201cIt\u2019s always been important for investors to consider exchange rates, but it is certainly important right now.\u201d<\/p>\n\n\n\n<p><\/p>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse834a1009\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse834a1009\" data-dig-id=\"LP-57738-834a1009\" data-dig-category=\"LP\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Things our lawyers want you to know\"><span>Things our lawyers want you to know<\/span><span>Things our lawyers want you to know<\/span><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse834a1009\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p>This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\t\n\t<div class=\"wp-block-tk-spacer id-88aceb4e-15de-4618-a565-ff0102e58e09\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<p class=\"has-text-align-center h5 mar-b\"><strong>Share This Article<\/strong><\/p>\n\n\n\n\t\t<div class=\"socials-block\">\n\t\t\t    <div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n            <a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=The Exchange Rate Effect: Understanding Its Role in Your Investments &#038;body=Hi, I thought you might be interested in this article from RBC My Money Matters: https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/inspired-investor\/investing-academy\/exchange-rate-effect\/\">\n        <img decoding=\"async\" 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id-5eea2c1b-4abf-4842-89e2-37821b3f7d4d\" aria-hidden=\"true\"><\/div>\n\t\n\n\n\t\t\t<div class=\"wp-block-rbc-single-post-topics related-topics-links\">\n\t\t\t\t<p class=\"h5 mar-r-hlf\">Topics:<\/p>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/economy\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Economy<\/a>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/investing\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Investing<\/a>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/personal-finance\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Personal Finance<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n<\/section>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel mob-pad-t-dbl\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading 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src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/01\/2025-financial-roadmap-shutterstock_2375988879.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Digital form checklist\" srcset=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/01\/2025-financial-roadmap-shutterstock_2375988879.jpg 6736w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/01\/2025-financial-roadmap-shutterstock_2375988879.jpg?resize=300,197 300w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/01\/2025-financial-roadmap-shutterstock_2375988879.jpg?resize=768,505 768w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/01\/2025-financial-roadmap-shutterstock_2375988879.jpg?resize=1024,673 1024w, 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mar-t-0\">2026 Financial Roadmap: A Guide to Debt, Budgeting and Investing in Canada<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n<\/section>\n<style class=\"advgb-styles-renderer\">\n\t\t.wp-block-tk-spacer.id-88aceb4e-15de-4618-a565-ff0102e58e09 {\n\t\theight: 96px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-88aceb4e-15de-4618-a565-ff0102e58e09 {\n\t\t\theight: 30px;\n\t\t}\n\t}\t\n\t\t.wp-block-tk-spacer.id-5eea2c1b-4abf-4842-89e2-37821b3f7d4d {\n\t\theight: 60px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-5eea2c1b-4abf-4842-89e2-37821b3f7d4d {\n\t\t\theight: 30px;\n\t\t}\n\t}\t<\/style>","protected":false},"excerpt":{"rendered":"<p>Take a look at some factors impacting the Canadian dollar and potential ways to manage that currency risk in your 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