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Investment Q&A

Not investment advice or solicitation to buy/sell securities. Do your own due diligence and/or consult an advisor.

Q: My kids RESP currently hold CSU, SHOP, SIS, ATZ, XIC, BN, PNG, VTI. CSU was purchased at $3,250 and SHOP at $210. Is it wise to average down now or is there another one or two that will be good to add to this mix?

Thank you!
Read Answer Asked by Jacquelyn on April 03, 2026
Q: In a recent answer you stated "while we might not be too excited about the outlook for real estate". Could you please expand on your thoughts. In addition to a diversified stock portfolio I hold considerable investments in rental income properties - multi-residential and commercial in the Kitchener/Waterloo area. At 69yo I'm considering going more conservative like increasing my GIC holdings.
Read Answer Asked by dave on March 23, 2026
Q: Regarding my family RESP I set up for my two kids, it will start to be used next year and they will be in school for six years. I was thinking of moving a portion into CDZ for the next few years because I consider it more stable than keeping it in the single stocks that it's currently in. Do you agree or have a different ETF or a few you could recommend?
Read Answer Asked by Wes on February 24, 2026
Q: Good morning.
I’m planning on setting up a RESP for my grandkids.
Could you guys please suggest a ETF or two that would be suitable, this would not be used for at least 12 years.

Thanks.
Read Answer Asked by Stephen on February 18, 2026
Q: Re: RESP

I would a conservative GIC or HISA for CASH remaining in an RESP account, last child about to start 2nd 4 year degree, so it will get used up in the next 4 years.

I presently use BMO investorline. Please let me know what options I have for best GIC OR HISA available , I am not against switching out to another institution i.e. wealth simple.
Read Answer Asked by Ernest on February 10, 2026
Q: Hi. I have tried a couple times to submit this question now...

My kids have a family RESP. Oldest child will be starting post-secondary in 9 years.

Currently have GLXY, BN, SIS and T.
What will be good holdings to add to this? If sector diversification is not taken into consideration, what will be good to add?

Thank you.
Read Answer Asked by Jacquelyn on November 26, 2025
Q: Thank you for the invaluable service you provide and from which I heavily rely on. The following stocks are in my grandchildren's RESP account: ARX, CLS, CNQ, ENB, RY, SLF, TD, TOU, TVE, VHI and WSP.
I have cash to deploy and would appreciate five NEW stock ideas along with suggestions on which EXISTING stocks, if any, you would add to, both in descending order. (I just sold IFC and TRI, so am not interested in adding either of them)Thanks.
Read Answer Asked by Dona on October 09, 2025
Q: What would your top ~5 recommendations be to build an RESP with an 10-15 year horizon.
Had to sell all positions to live the account and have a good pile of free cash currently to redeploy. Not dissatisfied with prior holdings but creates a moment to consider best options currently
Read Answer Asked by Ryan on August 29, 2025
Q: I hold these equities in my grandson's RESP. He will need to access funds in 2 years. He will enter grade 11 this September. I just sold half of the CLS holdings at 120% gain. Above % represents post sale. I am thinking of putting cash into BEP.UN or BIP.UN. what additional adjustments would you make at this time?

Thanks for all your help.

Mike
Read Answer Asked by Michael on July 04, 2025
Q: My question is regarding RESPs.. Is it preferred to hold Canadian or US securities? Or doesn’t matter ?

Your favourite CND and US stocks for a long term hold in this account. Thanks
Read Answer Asked by Nick on June 11, 2025
Q: I have and RESP account for my kids. My son is scheduled to start university in the fall. So I have a couple of questions.

1) can I contribute to his RESP while he goes to school to capitalize on market gains and,

2) is there a preferred strategy for withdrawing the funds.

Thanks

Dave
Read Answer Asked by David on June 02, 2025
Q: We have a kid entering second year of university and another entering third year. Given that the growth/accumulation period is done and capital preservation is the objective, we have an RESP that is invested entirely in a HISA (CASH.TO). Is this a reasonable strategy, particularly given the many market uncertainties in the current geopolitical environment and the relatively short timeline in which the funds will be used, or is there something else you might recommend? Thanks.
Read Answer Asked by Bruce on May 15, 2025
Q: I want to put some money into an RESP for our newborn granddaughter. I will add some more stable growth stocks over time, but I want to start with 1 AI stock or ETF and 1 crypto stock or ETF, as the base.
These will be the buy and forget, holdings in the RESP
Can you recommend a couple US/CDN stocks and etfs in both categories, and your thoughts on whether US or Cdn currency is the better option. For a long-term hold like this, am I better to use stocks or ETFs, as the base?
Read Answer Asked by Grant on May 12, 2025
Q: I’m an investor with a well diversified portfolio and an appetite for growth but I’m considering getting defensive with my kids RESP for capital preservation. I’ll start withdraws in 18 months and continue withdrawing for 9 years if all goes according to plan. Thoughts on how I should structure this portfolio so I can ensure capital is preserved and available when I need it. Any suggestions for stocks, etfs or other that would fit the bill?
Read Answer Asked by Dale on February 21, 2025
Q: I'm looking for an unhedged Canadian etf that tracks the nasdaq 100. When comparing ZNQ to HXQ I see that ZNQ doesn't pay a dividend but rather reinvests it. Also it has cheaper fees than HXQ. But HXQ pays a small dividend. The returns over time seem marginally better for ZNQ. But when the div's are factored in, is this more of a wash or does the tax preference of no div's help more? This would be in an RESP for reference. Thx
Read Answer Asked by Adam on February 18, 2025
Q: Can you name a handful of ETF options for long term holds in my son's RESP account. Growth, dividend, and balanced. Looking for exposure in Canada and USA. I don't want the headache of managing stocks for this portfolio. I'd rather have something that I can just buy and not look at it for 15 years until he needs it.
Read Answer Asked by Harrison on February 10, 2025
Q: These are 3 Canadian stalwarts in my kids' RESP. Expected 1st year of withdrawal is 2035.
CSU - today's price is $4481 ish
ATD - today's price is $79 ish
BN - today's price is $82 ish

I only have enough money to add to 2 of the 3 positions today. Which 2 names would you add to, at today's prices?
Read Answer Asked by Anh on January 03, 2025
Q: Looking for your top 5 Canadian picks for RESP … 15 yr time frame
Read Answer Asked by Ron on November 26, 2024
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