Advisor-managed mutual funds and model portfolios

What to compare when an RESP uses advisor-managed mutual funds or model portfolios, including fees, service, and performance checks.

Reviewed 2026-05-01 source Information only, not financial, tax, legal, or investment advice.

Education only: this page compares a common RESP investment approach. It does not recommend products, providers, or portfolio allocations. No public source publishes average RESP returns by strategy. Compare this approach with provider documents and regulator guidance before acting.

Best fit

Families who want help with paperwork, risk questions, and ongoing review.

Typical holdings

Mutual funds, managed portfolios, or provider-built portfolios.

Main strength

Advice can help families stay organized and avoid missed benefit applications.

Watch for

MERs, advice fees, embedded compensation, and whether performance justifies the cost.

Questions before choosing

What are the total annual costs?
What benchmark fits this portfolio?
What service is included for the fee?