Long horizon
Low-cost ETF and index portfolios in an RESP
Compare diversified ETF or index RESP investing for families with a multi-year horizon, including robo-advisor and self-directed paths.
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
Families comfortable with self-directed or robo-advised investing and several years before the first withdrawal.
Typical holdings
Broad equity and bond ETFs, all-in-one asset allocation ETFs, or provider-built index portfolios.
Main strength
Low-cost diversification and a clear path to adjust risk as school approaches.
Watch for
Market volatility, trading or transfer fees, currency exposure, and whether the provider supports all desired grants.
Questions before choosing
- Does the account support CESG, CLB, and provincial benefits?
- What are all-in costs including MERs and advice fees?
- Who rebalances as the child gets closer to school?
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