# EDGAR Filing Document

**Accession Number:** 0001272950
**File Stem:** 0001193125-25-249892
**Filing Date:** 2025-10
**Character Count:** 6556
**Document Hash:** 80b4fe34da4fe2049a8e675eb0e8c166
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-25-249892.hdr.sgml**: 20251024

**ACCESSION NUMBER**: 0001193125-25-249892

**CONFORMED SUBMISSION TYPE**: 497

**PUBLIC DOCUMENT COUNT**: 11

**FILED AS OF DATE**: 20251024

**DATE AS OF CHANGE**: 20251024

**EFFECTIVENESS DATE**: 20251024

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** RBC FUNDS TRUST
- **CENTRAL INDEX KEY:** 0001272950

**ORGANIZATION NAME:**
- **EIN:** 000000000
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 0930

**FILING VALUES:**
- **FORM TYPE:** 497
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-111986
- **FILM NUMBER:** 251415961

**BUSINESS ADDRESS:**
- **STREET 1:** 250 NICOLLET MALL
- **STREET 2:** SUITE 1550
- **CITY:** MINNEAPOLIS
- **STATE:** MN
- **ZIP:** 55401
- **BUSINESS PHONE:** 612-380-1198

**MAIL ADDRESS:**
- **STREET 1:** 250 NICOLLET MALL
- **STREET 2:** SUITE 1550
- **CITY:** MINNEAPOLIS
- **STATE:** MN
- **ZIP:** 55401

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** TAMARACK FUNDS TRUST
- **DATE OF NAME CHANGE:** 20031212

## Series and Classes Contracts Data

### RBC BlueBay U.S. Government Money Market Fund (Series ID: S000001806)

---

|  |  |  |
|:---|:---|:---|
| Class Name            | Ticker Symbol | Class ID   |
| Institutional Class 1 | TUGXX         | C000004729 |
| Institutional Class 2 | TIMXX         | C000071257 |
| Investor Class        | TUIXX         | C000071260 |
| Class A               | RGMXX         | C000243226 |

---

## Series and Classes Contracts Data

### RBC BlueBay U.S. Government Money Market Fund (Series ID: S000001806)

| Class ID   | Class Name            | Ticker Symbol   |
|:---|:---|:---|
| C000004729 | Institutional Class 1 | TUGXX           |
| C000071257 | Institutional Class 2 | TIMXX           |
| C000071260 | Investor Class        | TUIXX           |
| C000243226 | Class A               | RGMXX           |

?xml version='1.0' encoding='ASCII'? 497

------

#### RBC FUNDS TRUST
(the "Trust")

#### RBC BlueBay U.S. Government Money Market Fund (the "Fund")
Supplement dated October 24, 2025 to the Fund's summary prospectus (the "Summary Prospectus") and prospectus (the "Prospectus"), each dated January 27, 2025, as may be supplemented from time to time.

*This Supplement provides additional information beyond that contained in the Summary Prospectus and Prospectus and should be read in conjunction with the Summary Prospectus and Prospectus.* 

The Board of Trustees of the Trust (the "Board") has approved an Amendment to the Amended and Restated Expense Limitation Agreement entered into on October 1, 2025, between the Trust, on behalf of the Fund, and RBC Capital Markets, LLC ("RBC CM") to remove the expense limitation arrangement for the Class A shares of the Fund. In addition, the Board has approved an Amendment to the Second Amended and Restated Expense Limitation Agreement entered into on October 1, 2025, between the Trust, on behalf of the Fund, and RBC Global Asset Management (U.S.) Inc. ("RBC GAM US") to include the Class A shares of the Fund within the coverage of the expense limitation arrangement.

In connection with these changes, effective immediately, the following changes are made to the Fund's Summary Prospectus and Prospectus:

*Footnote 1 to the "Shareholder Fees" and "Annual Fund Operating Expenses" tables under "Fund Summary - RBC BlueBay U.S. Government Money Market Fund - Fees and Expenses of the Fund" of the Fund's Summary Prospectus and Prospectus is deleted in its entirety and replaced with the following:* 

---

| | |
|:---|:---|
| 1 | RBC Global Asset Management (U.S.) Inc. ("RBC GAM US") has contractually agreed to waive fees and/or pay operating expenses in order to limit the Fund's total expenses (excluding brokerage and other investment-related costs, interest, taxes, dues, fees and other charges of governments and their agencies, extraordinary expenses such as litigation and indemnification, other expenses not incurred in the ordinary course of the Fund's business and acquired fund fees and expenses) to 0.25% of the Fund's average daily net assets for Class A shares. RBC Capital Markets, LLC ("RBC Capital Markets") has contractually agreed to waive distribution and service fees and/or reimburse the Fund in order to limit the Fund's total expenses of each class (excluding brokerage and other investment-related costs, interest, taxes, extraordinary expenses such as litigation and indemnification, other expenses not incurred in the ordinary course of the Fund's business and acquired fund fees and expenses) to 1.00% of the Fund's average daily net assets for Investor Class shares. These expense limitation agreements are in place until January 31, 2027 and may not be terminated by RBC GAM US or RBC Capital Markets, as applicable, prior to that date. The expense limitation agreement may be revised or terminated by the Fund's board of trustees if the board consents to a revision or termination as being in the best interests of the Fund. RBC GAM US and RBC Capital Markets are entitled to recoup from the Fund or class the distribution or servicing fees previously waived or reduced and other payments previously remitted by RBC GAM US or RBC Capital Markets to the Fund or class for a period of 12 months from the date of such waiver, reimbursement or payment, provided that such recoupment does not cause the Fund's expense ratio (after the repayment is taken into account) to exceed the lesser of: (i) the Fund's expense limitation at the time of the waiver or reimbursement and (ii) the Fund's expense limitation at the time of recoupment.  |

---

*The fee waiver table and the accompanying introductory paragraph under the "Management - Investment Advisor" section on page 14 of the Fund's Prospectus are deleted in their entirety and replaced with the following:* 

The Advisor has contractually agreed to waive fees and/or pay operating expenses through January 31, 2027 for Class A and Institutional Class 1 of the Fund in order to maintain net annual fund operating expenses of 0.25% and 0.20%, respectively. RBC Capital Markets, in its role as shareholder servicing agent to the Fund, has contractually agreed to waive distribution and service fees and/or reimburse the Fund through January 31, 2027 to maintain net annual fund operating expenses as set forth below.

---

| | |
|:---|:---|
| **Share Class** | **Operating Expense Limit** |
|  Institutional Class 2 | 0.30% |
|  Investor Class | 1.00% |

---

#### INVESTORS SHOULD RETAIN THIS SUPPLEMENT FOR FUTURE REFERENCE