Hi all,

so my kid is 3 and I have an account worth 24.800 (800$ profit) that I started last summer.

My plan I to max out on the contributions where you cant earn grants (14k of the 50k) and then contribute the limit of 2500$ per year to get the max $7200 grants over the lifetime of the account (20% of 36k = 7200$).

I hear rule of thumb is 10% fixed income 90% from year 0 and then add 5% fixed income per year, but I think im more likely to keep it around max 25% fixed income by the time she turns 9.

So what is your split of assets in your toddlers RSP?

Mine is:

Canadian banks 30%

5 year GIC 15%

WEED 5%

EBIT 5%

XIU 30%

VUN 15%

No real plan just started out with a few stocks and i slowly added a bit randomly but now trying to slowly lock in on a plan, with some fixed income, a few risky stocks for fun and nice simple ETFs and maybe a few dividend stocks. Im with one of the big banks self directed brokerage where I have around 60 free trades left. Im hoping that before they run out the banks will have significantly cut their price per transaction but lets see.

Suggestions, comments very welcome :)

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