RESP
Last updated: Sat 29-Aug-2026 afternoon
Glidepath
| Age | % Stocks | % Bonds / GIC |
|---|---|---|
| 00 | 90 | 10 |
| 01 | 85 | 15 |
| 02 | 80 | 20 |
| 03 | 75 | 25 |
| 04 | 70 | 30 |
| 05 | 65 | 35 |
| 06 | 60 | 40 |
| 07 | 55 | 45 |
| 08 | 50 | 50 |
| 09 | 45 | 55 |
| 10 | 40 | 60 |
| 11 | 35 | 65 |
| 12 | 30 | 70 |
| 13 | 25 | 75 |
| 14 | 20 | 80 |
| 15 | 15 | 85 |
| 16 | 10 | 90 |
| 17 | 5 | 95 |
| 18 | - | 100 |
You’re going to create a glide path:
- Start years old
- End years old
- Think about your risk tolerance and whether you will be able to pay for some of university when the kid is ready and the market drops
- Based on your risk tolerance you will define how “safe” you want to be
- The glide path can be a little more strep wise than full glide if this fits your risk tolerance
Let’s assume that this is your glide path:
- Start at zero years old
- End at 18 years old
- By the end have no stocks
Adjust the ratio as you see fit for your own risk tolerance.
Each year adjust your asset allocation to meet the glide path .
More information can be found here:
Appendix
Version History
| Date | Notes | |
|---|---|---|
| 01 | Sat 29-Aug-2026 | Initial version factored out from top level |