{"id":93208,"date":"2025-04-08T15:23:30","date_gmt":"2025-04-08T19:23:30","guid":{"rendered":"https:\/\/www.rbcroyalbank.com\/en-ca\/?post_type=rbc_my_money_matter&#038;p=93208"},"modified":"2025-07-18T15:01:14","modified_gmt":"2025-07-18T19:01:14","slug":"investment-strategies-making-the-most-of-lower-interest-rates","status":"publish","type":"rbc_my_money_matter","link":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/investing\/investment-strategies-making-the-most-of-lower-interest-rates\/","title":{"rendered":"Investment Strategies: Making the Most of Lower Interest Rates"},"content":{"rendered":"\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\" style=\"border-radius:0x\"><\/div>\n<\/section>\n\n\n\n<div class=\"wp-block-rbc-rbc-block drop-shadow pos-rel top-line-blue block-wpr\">\n<div class=\"wp-block-rbc-rbc-block-inner-block block-inner\">\n<h4 class=\"wp-block-heading\" id=\"h-tldr\">TLDR<\/h4>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Low interest rates present both opportunities and challenges for investors. The key is to find strategies that help you make the most of the environment while remaining true to your long-term investing goals and strategy.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>There are different investment approaches to consider depending on whether you\u2019re investing for the short term or the long term.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Diversification can help investors hedge against fluctuating interest rates.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>It\u2019s difficult to predict where interest rates will go in the future, but staying informed, flexible and adaptive can help you \u2014 and your portfolio \u2014 be prepared for what\u2019s next.<\/p>\n<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<p>For Canadians with mortgages, loans or lines of credit, a low-interest rate environment can be a welcome relief. But what does it mean for investors? While some might assume that lower rates automatically lead to lower investment returns, that\u2019s not necessarily the case. Rather, lower interest rates present unique opportunities for investors &nbsp;\u2014&nbsp; the key is&nbsp;to&nbsp;<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/inspired-investor\/ideas-and-motivation\/understanding-diversification-and-why-successful-investors-rely-on-it\/\" data-dig-id=\"LP-93208-fa39ba47\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"position your investments\" class=\"rbc-link-format\">position your investments<\/a>&nbsp;to take advantage of them.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-do-low-interest-rates-mean\">What do low interest rates mean?<\/h2>\n\n\n\n<p>Interest rates are set by the central banks, such as the Bank of Canada (BoC). The&nbsp;<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/economics-101\/understanding-interest-rates\/another-bank-of-canada-rate-cut-and-new-mortgage-rules\/\" data-dig-id=\"LP-93208-16c41bec\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"policy rate\" class=\"rbc-link-format\">policy rate<\/a>&nbsp;(also known as a benchmark rate or overnight rate) is announced on eight fixed days each year. The rate is set in response to a variety of economic factors, such as&nbsp;<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/debt-and-stress-relief\/struggling-to-make-ends-meet\/managing-expenses\/navigating-inflationary-times-4-strategies-to-help-protect-your-finances\/\" data-dig-id=\"LP-93208-5180c7a2\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"inflation\" class=\"rbc-link-format\">inflation<\/a>, employment and global economic conditions. With far-reaching impacts on the economy, the rise and fall of interest rates affect consumers, businesses and the government in distinct and meaningful ways.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-defining-low-interest-rates\">Defining low interest rates<\/h3>\n\n\n\n<p>Canada today is in a low-interest rate environment. But what does that mean? Whether an interest rate is high or low is relative \u2014 both to historical averages and to similar economies around the world. For instance, in Canada, rates above 5.00% were common before 2008. Meanwhile, in 2020 and 2021, they were as low as 0.25%. Through 2022 and 2024, they rose steadily to 5.00%.&nbsp;Today&#8217;s environment sees interest rates hovering around&nbsp;2% lower than they were a year ago.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-the-current-state-of-interest-rates-in-canada\">The current state of interest rates in Canada<\/h3>\n\n\n\n<p>Over the last year, the Bank of Canada has steadily cut interest rates in an effort to stimulate economic growth and curb inflation. As such, Canada finds itself in a low interest rate environment today.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-how-can-low-interest-rates-affect-investments\">How can low interest rates affect investments?<\/h3>\n\n\n\n<p>Low interest rates can have both positive and negative effects on investments &nbsp;\u2014&nbsp; and the impact of rates on your portfolio will depend on the type of assets you hold as well as your investment strategy.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-the-positive-effect-of-low-interest-rates\">The positive effect of low interest rates:<\/h3>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Low interest rates mean borrowing rates come down for businesses.<\/strong>&nbsp;This environment tends to stimulate increased investment and potentially higher earnings, which can boost stock prices<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Lower mortgage rates tend to stimulate the real estate market<\/strong>, increasing property prices and real estate investment<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Low rates also make it easier for startups and private businesses to grow<\/strong>, potentially boosting returns for those investing in private market alternatives<\/p>\n<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-the-downfall-of-low-interest-rates\">The downfall of low interest rates:&nbsp;<\/h3>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/inspired-investor\/investing-academy\/bonds-yes-bonds-are-trending-but-are-they-right-for-you\/\" data-dig-id=\"LP-93208-ca697339\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Fixed income investments\" class=\"rbc-link-format\">Fixed income investments<\/a>&nbsp;(such as bonds and GICs) may offer more modest returns<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Investors with pension funds, annuities and other insurance products could experience lower returns while rates remain low<\/p>\n<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-are-the-advantages-of-lower-interest-rates\">What are the advantages of lower interest rates?<\/h2>\n\n\n\n<p>The main upside to lower interest rates is that it means a lower cost of borrowing for consumers and businesses. This leads to more spending and in turn, more economic growth and activity, driving up stock prices and stimulating the real estate market. Job creation tends to follow, adding to positive economic momentum.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-are-the-disadvantages-of-lower-interest-rates\">What are the disadvantages of lower interest rates?&nbsp;<\/h2>\n\n\n\n<p>One downside of lower interest rates is that they reduce returns on fixed-income investments, which can affect retirees and conservative investors who rely on passive income. Easier access to credit may also encourage consumers to take on too much debt, increasing financial risk. Over a longer term, if low rates drive excessive demand, inflation can rise, making everyday goods and services more expensive. A prolonged period of lower rates can also weaken the currency, affecting Canadians\u2019 purchasing power and international trade.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-predicting-future-interest-rate-trends\">Predicting future interest rate trends<\/h2>\n\n\n\n<p>It\u2019s difficult to predict where interest rates will go, but because they are influenced by external factors, staying informed can help you understand where interest rates are headed.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-what-influences-interest-rate-changes\">What influences interest rate changes?<\/h3>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Inflation is the biggest factor:<\/strong>&nbsp;If inflation is too high, the Bank of Canada raises interest rates to cool down spending; if inflation is low, they lower rates to boost consumer demand<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Economic growth:<\/strong>&nbsp;If the economy slows down, rates are cut to encourage borrowing<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Global interest rate trends:<\/strong>&nbsp;Canada often follows U.S. activity<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Government spending:<\/strong>&nbsp;For instance, massive spending during the pandemic led to high inflation, leading to rate hikes in 2022\/2023<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Geopolitics:<\/strong>&nbsp;It is expected that the Bank of Canada will start to freeze rates going forward, in the face of U.S. tariffs<\/p>\n<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-strategies-for-investing-when-rates-are-falling\">Strategies for investing when rates are falling<\/h2>\n\n\n\n<p>While low interest rates may influence returns on certain investments, staying committed to your investment plan to&nbsp;is often the best approach. Rather than making abrupt changes, consider how you can strategically take advantage of the current rate environment. If you want to leverage the opportunities that come with lower rates, there are strategies that can help \u2014 while mitigating risk at the same time.&nbsp;<\/p>\n\n\n\n<p><a href=\"https:\/\/www.rbcgam.com\/en\/ca\/learn-plan\/investment-basics\/why-its-important-to-diversify\/detail\" data-dig-id=\"LP-93208-7067a55f\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Diversification\" class=\"rbc-link-format\">Diversification<\/a>, which is the strategy of spreading investments across different asset classes and industries, reduces risk by avoiding overexposure to any single investment. As such, a diversified portfolio will allow investors to hedge against inflation, and it&#8217;s a tried-and-true strategy to rely on when interest rates are falling.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-adjusting-current-investments\">Adjusting current investments<\/h3>\n\n\n\n<p>When rates are falling, you don\u2019t need to change your entire investment strategy. Rather, making the most of this environment involves making some adjustments to your portfolio and considering what investments thrive when rates are low, and which ones don\u2019t. It\u2019s a matter of diversifying your portfolio to include more assets that tend to perform well in lower interest rate environments.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-here-are-some-investment-types-that-have-historically-performed-well\">Here are some investment types that have historically performed well:&nbsp;<\/h3>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Stocks and Exchange-Traded Funds (ETFs):<\/strong>&nbsp;Especially ETFs with focus on technology, innovation and high-growth sectors \u2014 which tend to perform well in lower-interest rate environments<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Real estate:<\/strong>&nbsp;When interest rates are low, borrowing costs decrease, often leading to increased demand for housing. In this kind of environment, real estate investments, including Real Estate Investment Trusts (REITs), tend to attract investor interest<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Alternative investments:<\/strong>&nbsp;Especially private equity and venture capital, alternative investments historically perform better in a lower interest rate environment<\/p>\n<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-long-term-versus-short-term-strategies\">Long-term versus short-term strategies<\/h2>\n\n\n\n<p>In any interest rate environment, your investment strategy will depend on whether you\u2019re investing for the short-term or the long-term. When rates are low, here are some things to consider.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-if-investing-for-the-short-term\">If investing for the short-term:<\/h3>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Growth and technology stocks tend to perform well in lower-rate environments and may offer short-term returns<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>If you invest in bonds, shorter terms will get your money working harder versus longer terms<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Excess cash won\u2019t earn much in a low-interest rate environment so it may be worth redirecting to an investment with short-term growth potential<\/p>\n<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-if-investing-for-the-long-term\">&nbsp;If investing for the long-term:<\/h3>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Locking into long-term bonds while rates are low could stall the growth of your investments<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Consider investments that are protected against inflation and can adapt to changing market conditions<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Remember the importance of diversification. When rates are low, some asset classes perform well while others struggle<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Stay informed. Rates are tied to government policy, which is influenced by geopolitical shifts, the economy, global trade<\/p>\n<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-next-steps-for-your-investments\">Next steps for your investments<\/h2>\n\n\n\n<p>Whether you make adjustments to your portfolio given today\u2019s interest rate environment depends on what assets you hold, your investing timeline and your attitude toward risk.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-recommended-investment-approaches\">Recommended investment approaches<\/h3>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Diversify, diversify, diversify!<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Have long-term and short-term investments in your portfolio<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Reinvest dividends and earnings to compound growth<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Consider what assets hold up against inflation<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Stay flexible and willing to adapt as the interest rate environment changes<\/p>\n<\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-group  mar-b-hlf has-rbc-bright-blue-tint-4-background-color has-background is-layout-constrained wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading has-text-align-center\" id=\"h-talk-to-an-rbc-advisor\">Talk to an RBC Advisor<\/h2>\n\n\n\n<p class=\"has-text-align-center\">You don\u2019t have to navigate this alone. An RBC Advisor can review your portfolio and provide guidance on potential adjustments to make the most of a low-interest-rate environment. More importantly, they can help your portfolio remain flexible and well-positioned for future shifts \u2014 so you\u2019re prepared no matter how conditions change. <a href=\"https:\/\/www.rbcroyalbank.com\/book-an-appointment\/book-an-appointment.html\" data-dig-id=\"LP-93208-980b16bd\" data-dig-label=\"Schedule an appointment\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">Schedule an appointment<\/a>\u00a0with an RBC advisor today.<\/p>\n<\/div>\n\n\n\n<p>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<\/p>\n\n\n\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Learn how to position your investments to make the most of a lower-interest-rate environment.<\/p>\n","protected":false},"author":132,"featured_media":93216,"parent":57267,"menu_order":0,"template":"wp-custom-template-mmm-sticky-nav","meta":{"_acf_changed":false,"advgb_blocks_editor_width":"","advgb_blocks_columns_visual_guide":"","footnotes":""},"tags":[521,570,520,77],"rbc_content_type":[31],"rbc_audience":[],"rbc_lob_group":[71],"rbc_difficulty_level":[33],"rbc_mmm_category":[320,304],"class_list":["post-93208","rbc_my_money_matter","type-rbc_my_money_matter","status-publish","has-post-thumbnail","hentry","tag-economy","tag-investing","tag-managing-money","tag-personal-finance","rbc_content_type-article","rbc_lob_group-investments","rbc_difficulty_level-beginner","rbc_mmm_category-investing","rbc_mmm_category-money-academy"],"acf":{"contently_publication_id":"","custom_author":"Diane Amato","rbc_video_header":"","rbc_media_duration":"","rbc_video_keywords":"","rbc_video_description":"","rbc_video_upload_date":"","rbc_toc_for_mmm_tag":"h2","rbc_toc_for_mmm_limit":6,"rbc_toc_for_mmm":null,"rbc_toc_for_mmm_action":"Generate Table Of Contents"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.2 (Yoast SEO v27.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<meta name=\"description\" content=\"Lower interest rates offer both opportunities and challenges for investors. 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