RESP tracking - couch potato investing - Page 5
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Thread: RESP tracking - couch potato investing

  1. #41
    Senior Member
    Join Date
    Mar 2016
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    228
    i feel you with the losses, i purchased the vanguard etfs pretty much while they were at their peak before the markets went down in 2015. oh well, dollar cost averaging & time are on my side, hopefully for you as well!

    Great job with saving for your kids!


  2. #42
    Senior Member
    Join Date
    May 2012
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    132
    It looks like overall you would've came out ahead with just GIC ladders + bond ETFs rather than the standard balanced CCP ETF portfolio!
    Get your first UBER free ride on me with the promo code: Hidden Content

  3. #43
    Senior Member
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    Sep 2013
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    Quote Originally Posted by arc View Post
    It looks like overall you would've came out ahead with just GIC ladders + bond ETFs rather than the standard balanced CCP ETF portfolio!
    Over this duration of 13 months - yup.

    I'm betting the CCP ETF portfolio will outperform a GIC ladder + bond ETF over the ~ 18 years until the funds are needed.

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  5. #44
    Senior Member
    Join Date
    Sep 2013
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    Quote Originally Posted by redsgomarching View Post
    i feel you with the losses, i purchased the vanguard etfs pretty much while they were at their peak before the markets went down in 2015. oh well, dollar cost averaging & time are on my side, hopefully for you as well!

    Great job with saving for your kids!
    Thanks.

    I'm not concerned about the losses at this point. The markets are volatile and I'm 100% in ETFs that hold stocks. This is par the course.
    Last edited by BoringInvestor; 2016-09-01 at 10:47 AM.

  6. #45
    Senior Member
    Join Date
    Sep 2013
    Posts
    452
    May 2016 update

    Commentary
    May was the third best month for the RESP, and saw the account not only turn positive for 2016, but also returned the overall asset gains back to positive since December 2015.

    Monthly results
    The portfolio this month: up 3.97% or $270.35

    Complete RESP results
    The portfolio since inception (April 2015): up 0.92% or $64.69
    If I count the Canada Education Savings Grant [CESG] funds as an investment gain, the portfolio is: up 16.14% or $984.69.

    The annualized (money-weighted) investment rate of return is 1.29%

    The annual cost of the portfolio (i.e, the combined, embedded ETF management fee) is 0.22%, or $15.76

    You can log in to view the attachment below.

    Attachment 10401
    Last edited by BoringInvestor; 2016-06-01 at 02:05 PM.
    Couch potato journey-Hidden Content .
    Child's RESP-Hidden Content .

  7. #46
    Senior Member
    Join Date
    Sep 2013
    Posts
    452
    June 2016 update

    Commentary
    We received some unexpected family money in June, which we used to top up our 2016 contributions to $4,000. The funds were used to rebalance the portfolio.
    We won't be putting any more money in this year.
    Based on the most recent deposit, we're due another $80 in CESG funds, which I expect to see deposited into the account in July.

    June saw the RESP slip back to negative territory.

    Monthly results
    The portfolio this month: down -1.13% or -$101.24

    Complete RESP results
    The portfolio since inception (April 2015): down -0.41% or -$71.15
    If I count the Canada Education Savings Grant [CESG] funds as an investment gain, the portfolio is: up 11.04% or $883.45

    The annualized (money-weighted) investment rate of return is -0.65%

    The annual cost of the portfolio (i.e, the combined, embedded ETF management fee) is 0.24%, or $21.14

    You can log in to view the attachment below.

    Attachment 10865
    Last edited by BoringInvestor; 2016-07-18 at 12:23 PM.
    Couch potato journey-Hidden Content .
    Child's RESP-Hidden Content .

  8. #47
    Senior Member
    Join Date
    Sep 2013
    Posts
    452
    July 2016 update

    Commentary
    July saw the last deposit into the account in 2016 - the final $80 of CESG funds.
    The month was the third best month since the portfolio began (4.87%), and brought the portfolio to it's all-time highs for both net gain ($400.41), and net gain % (4.45%).

    Monthly results
    The portfolio this month: up 4.87% or $436.96

    Complete RESP results
    The portfolio since inception (April 2015): up 4.45% or $400.41
    If I count the Canada Education Savings Grant [CESG] funds as an investment gain, the portfolio is: up 17.51% or $1,400.41

    The annualized (money-weighted) investment rate of return is 6.19%

    The annual cost of the portfolio (i.e, the combined, embedded ETF management fee) is 0.24%, or $22.21

    You can log in to view the attachment below.

    Attachment 11177
    Couch potato journey-Hidden Content .
    Child's RESP-Hidden Content .

  9. #48
    Senior Member
    Join Date
    Sep 2013
    Posts
    452
    August 2016 update

    Commentary
    August's results were slightly positive, bringing the account to its highest ever end of month total.
    With these results the annualized money-weighted return is approaching my target of 7% return per year.


    Monthly results
    The portfolio this month: up 0.72% or $67.44

    Complete RESP results
    The portfolio since inception (April 2015): up 5.20% or $467.85
    If I count the Canada Education Savings Grant [CESG] funds as an investment gain, the portfolio is: up 18.35% or $1,467.85

    The annualized (money-weighted) investment rate of return is 6.48%

    The annual cost of the portfolio (i.e, the combined, embedded ETF management fee) is 0.24%, or $22.38

    You can log in to view the attachment below.

    RESP_20160831.png
    Couch potato journey-Hidden Content .
    Child's RESP-Hidden Content .

  10. #49
    Senior Member
    Join Date
    Apr 2015
    Posts
    130
    What computer program are you using to chart the progress?

  11. #50
    Senior Member
    Join Date
    Sep 2013
    Posts
    452
    Quote Originally Posted by familyman View Post
    What computer program are you using to chart the progress?
    I created my own excel document.

    If you're looking for one to use, I've seen various free portfolio tracking documents available online - (FYI I still see mine as a work in progress so I've avoided sharing it).

    Couch potato journey-Hidden Content .
    Child's RESP-Hidden Content .

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