Timeline match
Age-based glide paths for RESP investing
How age-based RESP portfolios reduce risk as school nears, and what to confirm when a provider adjusts—or does not adjust—the asset mix.
Source status: compare this approach with provider documents and regulator guidance before acting. This is not personal financial, tax, legal, or investment advice.
Best fit
Subscribers who want a simple rule for reducing risk without picking every fund change manually.
Typical holdings
More growth assets when the child is young, then more bonds, cash, or GICs near withdrawal years.
Main strength
Matches investment risk to when the money is likely needed.
Watch for
Some accounts do not adjust automatically. Put review dates on the calendar.
Questions before choosing
- Does the provider adjust automatically or on a schedule?
- What is the current asset mix today?
- When does the first meaningful risk reduction happen?
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