How is my money invested?

We focus on long-term value by investing to protect your principal while earning long-term positive returns. To protect your principal in your RESP, we invest your contributions in more stable securities such as:

1. Government bonds
2. Investment grade corporate bonds (bonds assessed as high quality by the ratings agencies indicating a strong potential of repaying the loans)

Once your child is ready to attend post-secondary education, you can withdraw your principal. To maximize the value of your RESP, the income that your principal earns over the life of your RESP is invested in higher return securities such as:

1. A mix of Canadian equities
2. S. Equity Exchange Traded Funds (ETFs)
3. Real Estate and Infrastructure ETFs
4. International Equity ETFs

Our investment approach is built exclusively for RESPs. This means that we invest on a long-term time-horizon to grow the Plan’s assets so when your child turns 18, the funds are available for their post-secondary education.