InvestRESP 4+

InvestRESP is a convenient way to manage and grow your children’s education savings. Make informed decisions strategically across key markets with ease.

Save Money: One-time fee apps to help manage your money throughout your whole life
Save Time: Stock, bond and cash ETF recommendations from most providers
Convenience: 24/7 access to a tactical asset allocation strategy customized to your unique circumstances

First Time Users
To make your investment journey easier, stocks have been labelled in light green, bonds in grey and cash in dark green. Make sure none of the inputs have red text.

STEP 1: Input the average age of your children
STEP 2: Input your current investment total in Deposit
STEP 3: Select your favourite investment solutions and purchase the recommended amount. A great strategy to build a portfolio that contains 3 stocks, 2 bonds and 1 cash ETF. For example:

Cash: PSA
Bonds: FSB & DXO
Stocks: XWD, ZEQ & ETHI

Rebalancing:
Rebalance your accounts at your discretion to follow a tactical asset allocation strategy. This can be monthly, quarterly or annually. Generally speaking, the more frequently you rebalance, the safer your money will likely be. Trusting your intuition and considering investment trading fees (if any), will help you determine how often you should rebalance. It wouldn’t be unreasonable to only rebalance once a year using the recommendations from the app. Rebalancing your investment portfolio helps maintain your desired asset allocation and risk tolerance. This ensures that market fluctuations don’t skew your original investment strategy, allowing you to stay aligned with your financial goals over time.

STEP 1: Input average age
STEP 2:Input current investments by asset class. Input new contributions into Deposit or Withdrawal to pay for tuition
STEP 3: BUY/SELL the diversified portfolio using the ETFs of each asset class by selling (-) or buying (+) a new or previously purchased ETF of that asset class