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

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\r\n June 2015 update
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\nCommentary
\nJune was the second full month of the RESP.
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\nThe month saw the final 2015 deposit of $3,000.
\nI intend to make the next deposit in January of 2016.
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\nThe final 2015 CESG payment should arrive in either July or August.
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\nResults
\nThe portfolio fell -1.87% in June, lowering my overall gain to -1.63%, and lowering my overall annualized rate of return to -14.87%.
\nIf I count the CESG funds as an investment gain, the portfolio is up 3.28%.
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\nAttachment 4882\r\n
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\r\n \r\n Last edited by BoringInvestor; 2015-07-13 at 01:39 PM.\r\n \r\n \r\n
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Couch potato journey-Hidden Content .
\r\nChild\'s RESP-Hidden Content .
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    \r\n July 2015 update
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    \nCommentary
    \nJuly was the best month of the relatively short-lived RESP account.
    \nThe positions grew by 4.88%, or $216.10.
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    \nJuly saw the final 2015 CESG payment of $300, and the first dividends were paid into the account.
    \nI\'ll rebalance the portfolio in August, then won\'t touch it again until the new year.
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    \nResults
    \nThe portfolio rose 4.88% in July, raising my overall gain to 3.28%, and raising my overall annualized rate of return to 18.87%.
    \nIf I count the CESG funds as an investment gain, the portfolio is up 16.19%.
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    \nYou can log in to view the attachment below.
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    \nAttachment 5010\r\n
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    \r\n \r\n Last edited by BoringInvestor; 2015-09-01 at 10:59 AM.\r\n \r\n \r\n
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    Couch potato journey-Hidden Content .
    \r\nChild\'s RESP-Hidden Content .
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    \r\n August 2015 update
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    \nCommentary
    \nAugust was the worst month of the relatively short-lived RESP account.
    \nThe portfolio fell -5.92%, or -$275.10.
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    \nResults
    \nThe portfolio fell -5.92% in August, lowering my overall gain to -2.84%, and lowering my overall annualized rate of return to -10.38%.
    \nIf I count the Canada Education Savings Grant [CESG] funds as an investment gain, the portfolio is up 9.31%.
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    \nYou can log in to view the attachment below.
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    Attachment 5513\r\n
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    \r\n \r\n Last edited by BoringInvestor; 2015-09-01 at 11:28 AM.\r\n \r\n \r\n
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    Couch potato journey-Hidden Content .
    \r\nChild\'s RESP-Hidden Content .
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    \r\n September 2015 update
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    \nCommentary
    \nSeptember was the second worst month of the RESP account.
    \nBoth positions declared dividends in September, and the dividends will be paid out in October.
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    \nResults
    \nThe portfolio fell -2.79% in September, lowering my overall gain to -5.55%, and lowering my overall annualized rate of return to -15.27%.
    \nIf I count the Canada Education Savings Grant [CESG] funds as an investment gain, the portfolio is up 6.26%.
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    \nYou can log in to view the attachment below.
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    \nAttachment 6185\r\n
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    \r\n \r\n Last edited by BoringInvestor; 2016-01-28 at 05:44 PM.\r\n \r\n \r\n
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    Couch potato journey-Hidden Content .
    \r\nChild\'s RESP-Hidden Content .
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    \r\n October 2015 update
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    \nCommentary
    \nOctober was the best month ever for the RESP account, and the account is just shy of breaking even (i.e., being equal to my total deposits and the CESG payments).
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    \nResults
    \nThe portfolio rose 5.10% in October, raising my overall gain to -0.73%, and raising my overall annualized rate of return to -1.71%.
    \nIf I count the Canada Education Savings Grant [CESG] funds as an investment gain, the portfolio is up 11.68%.
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    \nYou can log in to view the attachment below.
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    \nAttachment 6801\r\n
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    Couch potato journey-Hidden Content .
    \r\nChild\'s RESP-Hidden Content .
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    \r\n November 2015 update
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    \nCommentary
    \nNovember saw the portfolio return to positive territory (rising 1.31% or $58.33), as my investments have recovered all the losses from a couple months back.
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    \nResults
    \nThe portfolio rose 1.31% in November, raising my overall gain to 0.56%, and raising my overall annualized rate of return to 1.10%.
    \nIf I count the Canada Education Savings Grant [CESG] funds as an investment gain, the portfolio is up 13.13%.
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    \nYou can log in to view the attachment below.
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    \nAttachment 7234\r\n
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    \r\n \r\n Last edited by BoringInvestor; 2015-12-02 at 05:20 PM.\r\n \r\n \r\n
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    Couch potato journey-Hidden Content .
    \r\nChild\'s RESP-Hidden Content .
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    \r\n December 2015 update
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    \nCommentary
    \nDecember saw a small monthly gain, for the third straight month of gains, and ends the first calendar year of the portfolio.
    \nThe plan in 2016 is to stick to a 100% equity allocation. Initially I was planning to put $4,000 into the account this year; as I won\'t be making any new deposits until June, I may end up altering that target as the year progresses.
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    \nResults
    \nThe portfolio rose 0.20% in December, raising my overall gain to 0.77%, or $34.60, and raising my overall annualized rate of return to 1.30%.
    \nIf I count the Canada Education Savings Grant [CESG] funds as an investment gain, the portfolio is up 13.37%.
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    \nAttachment 7666\r\n
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    Couch potato journey-Hidden Content .
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    \r\n @BoringInvestor: Been following this thread for a while (even though this is my first official post on CMF). My wife is pregnant and I\'m trying to piece together an RESP plan based on index investing. Seeing as how you\'re a fan of CanadianCouch potato, I\'m curious as to why you chose to start reducing your equity allotment when your child is 4 years old, instead of 8 years old, as suggested in this blog post on CCP: http://canadiancouchpotato.com/2010/...sk-in-an-resp/
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    \r\nI\'m having trouble deciding between the CCP RESP asset allocation (as outlined in the link I posted) versus following your allotment of gradually reducing equity into bonds, and then your child reaches high school, to transfer everything to fixed income (or GICs) during their post-secondary years. Both seem like great strategies, but I\'m just curious why you chose to dial down risk more than CCP.
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    \r\nLooking forward to your reply.
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    \r\nThanks!\r\n
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    \r\n @BoringInvestor: One more quick question.... Using your strategy, what rate of return do you expect or hope to get after the 18th year?\r\n
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    Sep 2013
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    Posts
    424
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    \r\n January 2016 update
    \n
    \nCommentary
    \nJanuary was a wild way to start the year, as the portfolio quickly suffered large losses. A late rally, plus dividends received, weren\'t enough to bring the portfolio back into positive territory.
    \n
    \nFor 2016 I\'ll be sticking with 100% allocation in equities (80% international, and 20% Canadian), and intend to put in $4,000 with deposits starting in June.
    \n
    \n
    \nResults
    \nThe portfolio this month: down -3.49% or -$158.36.
    \n
    \nThe portfolio since inception (April 2015): down -2.75%, or -$123.76.
    \nMy overall money-weighted annualized rate of return is: down -4.01%.
    \n
    \nIf I count the Canada Education Savings Grant [CESG] funds as an investment gain, the portfolio is: up 9.41%.
    \n
    \n
    \nYou can log in to view the attachment below.
    \n
    \nRESP_20160131.jpg\r\n
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    \r\n \r\n Last edited by BoringInvestor; 2016-02-01 at 03:47 PM.\r\n \r\n \r\n
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    Couch potato journey-Hidden Content .
    \r\nChild\'s RESP-Hidden Content .
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  • \r\n'; pd[1045282] = '\r\n
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    \r\n BoringInvestor\r\n \r\n
    \r\n BoringInvestor is offline\r\n\r\n \r\n
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    Join Date
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    \r\n February 2016 update
    \r\n
    \r\nCommentary
    \r\nFebruary continued the decline in 2016, and was the second worst performing month since the portfolio began.
    \r\n
    \r\n
    \r\nResults
    \r\nThe portfolio this month: down -3.60% or -$157.66.
    \r\n
    \r\nThe portfolio since inception (April 2015): down -6.25%, or -$281.42.
    \r\nMy overall money-weighted annualized rate of return is: down -8.08%.
    \r\n
    \r\nIf I count the Canada Education Savings Grant [CESG] funds as an investment gain, the portfolio is: up 5.46%.
    \r\n
    \r\n
    \r\nYou can log in to view the attachment below.
    \r\n
    \r\nRESP_20160229.jpg\r\n
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    Couch potato journey-Hidden Content .
    \r\nChild\'s RESP-Hidden Content .
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  • \r\n'; pd[1093626] = '\r\n
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    \r\n BoringInvestor is offline\r\n\r\n \r\n
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    \r\n March 2016 update
    \n
    \nCommentary
    \nThanks to our generous family, March saw the first deposit ($2,100) to the account since June 2015.
    \nCombined with the cash already in the account, I bought new shares of VXC and VCN to bring the portfolio to a near 80%/20% split.
    \n
    \nI expect the $400 CESG payment (calculated as 20% of $2,100) to arrive in either late April or May, and also expect we can start regular quarterly contributions into the account starting in June.
    \n
    \n
    \nMonthly results
    \nThe portfolio this month: up 2.39% or $151.10.
    \n
    \nThe portfolio since inception (April 2015): down -1.97%, or -$130.32.
    \n
    \nIf I count the Canada Education Savings Grant [CESG] funds as an investment gain, the portfolio is: up 6.06%.
    \n
    \n
    \nComplete RESP results
    \nThe portfolio started in mid-April 2015 with $1,000
    \n
    \nThe value as of March 31, 2016, is $6,469.68
    \nThe annualized investment rate of return is -3.38%
    \nThe annual cost of the portfolio (i.e, the combined, embedded ETF management fee) is 0.24%, or $15.34
    \n
    \nWhere the money has come from:
    \n
    \n
    \nValue of account holdings:
    \n
    • VCN: $1,300.32
      \nVXC: $5,151.26
      \nCash: $18.10

    \n
    \n
    \nYou can log in to view the attachment below.
    \n
    \nRESP_20160331.jpg\r\n
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    \r\n \r\n Last edited by BoringInvestor; 2016-04-03 at 11:41 PM.\r\n \r\n \r\n
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    Couch potato journey-Hidden Content .
    \r\nChild\'s RESP-Hidden Content .
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  • \r\n'; pd[1103890] = '\r\n
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    \r\n djkelly\r\n \r\n
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    Join Date
    Feb 2016
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    \r\n April 2015 is exactly when I moved my RESP to Questrade and did the Couch Potato thing with it. Your results are spot on with mine. Lot\'s of years to go, so hopefully we\'ll see that number get back to positive soon.\r\n
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  • \r\n'; pd[1103986] = '\r\n
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    \r\n Quote Originally Posted by djkelly\r\n View Post\r\n
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    April 2015 is exactly when I moved my RESP to Questrade and did the Couch Potato thing with it. Your results are spot on with mine. Lot\'s of years to go, so hopefully we\'ll see that number get back to positive soon.
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    Indeed, there\'s a very long time to go.\r\n
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    Couch potato journey-Hidden Content .
    \r\nChild\'s RESP-Hidden Content .
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  • \r\n'; pd[1132386] = '\r\n
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    \r\n BoringInvestor\r\n \r\n
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    Join Date
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    \r\n April 2016 update
    \n
    \nCommentary
    \nIn April we received the Canada Educations Savings Grant ($420) for the deposit made in March.
    \nWe\'ll let this cash sit in the account until the next quarterly rebalancing in June, when we also expect we\'ll be making an additional deposit at that time.
    \n
    \nStarting this month I\'ve slightly altered the format of the attached image, and fixed a calculation error in my spreadsheet.
    \n
    \nMonthly results
    \nThe portfolio this month: down -1.09% or -$75.34.
    \n
    \nThe portfolio since inception (April 2015): down -2.93%, or -$205.66.
    \n
    \nIf I count the Canada Education Savings Grant [CESG] funds as an investment gain, the portfolio is: up 11.71%.
    \n
    \n
    \nComplete RESP results
    \nThe portfolio started in mid-April 2015 with $1,000
    \n
    \nThe value as of April 30, 2016, is $6,814.34
    \nThe annualized investment rate of return is -4.64%
    \nThe annual cost of the portfolio (i.e, the combined, embedded ETF management fee) is 0.22%, or $15.05
    \n
    \nWhere the money has come from:
    \n
    \n
    \nValue of account holdings:
    \n
    • VCN: $1,351.68
    • VXC: $5,024.56
    • Cash: $438.10

    \n
    \n
    \nYou can log in to view the attachment below.
    \n
    \nRESP_20160430.png\r\n
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    Couch potato journey-Hidden Content .
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  • \r\n'; pd[1133386] = '\r\n
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    Join Date
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    \r\n 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!
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    \nGreat job with saving for your kids!\r\n
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  • \r\n'; pd[1133426] = '\r\n
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    \r\n It looks like overall you would\'ve came out ahead with just GIC ladders + bond ETFs rather than the standard balanced CCP ETF portfolio!\r\n
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    Get your first UBER free ride on me with the promo code: Hidden Content
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  • \r\n'; pd[1162473] = '\r\n
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    \r\n BoringInvestor\r\n \r\n
    \r\n BoringInvestor is offline\r\n\r\n \r\n
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    Join Date
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    \r\n May 2016 update
    \n
    \nCommentary
    \nMay 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.
    \n
    \nMonthly results
    \nThe portfolio this month: up 3.97% or $270.35
    \n
    \nComplete RESP results
    \nThe portfolio since inception (April 2015): up 0.92% or $64.69
    \nIf I count the Canada Education Savings Grant [CESG] funds as an investment gain, the portfolio is: up 16.14% or $984.69.
    \n
    \nThe annualized (money-weighted) investment rate of return is 1.29%
    \n
    \nThe annual cost of the portfolio (i.e, the combined, embedded ETF management fee) is 0.22%, or $15.76
    \n
    \nYou can log in to view the attachment below.
    \n
    \nRESP_20160531.png\r\n
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    Couch potato journey-Hidden Content .
    \r\nChild\'s RESP-Hidden Content .
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  • \r\n'; pd[1207801] = '\r\n
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    \r\n \r\n \r\n \r\n #19\r\n \r\n \r\n \r\n \r\n
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    \r\n BoringInvestor\r\n \r\n
    \r\n BoringInvestor is offline\r\n\r\n \r\n
    \r\n \r\n Senior Member\r\n \r\n \r\n \r\n \r\n \r\n \r\n
    \r\n
    \r\n
    Join Date
    Sep 2013
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    Posts
    424
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    \r\n June 2016 update
    \n
    \nCommentary
    \nWe 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.
    \nWe won\'t be putting any more money in this year.
    \nBased on the most recent deposit, we\'re due another $80 in CESG funds, which I expect to see deposited into the account in July.
    \n
    \nJune saw the RESP slip back to negative territory.
    \n
    \nMonthly results
    \nThe portfolio this month: down -1.13% or -$101.24
    \n
    \nComplete RESP results
    \nThe portfolio since inception (April 2015): down -0.41% or -$71.15
    \nIf I count the Canada Education Savings Grant [CESG] funds as an investment gain, the portfolio is: up 11.04% or $883.45
    \n
    \nThe annualized (money-weighted) investment rate of return is -0.65%
    \n
    \nThe annual cost of the portfolio (i.e, the combined, embedded ETF management fee) is 0.24%, or $21.14
    \n
    \nYou can log in to view the attachment below.
    \n
    \nRESP_20160630.png\r\n
    \r\n
    \r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n \r\n
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    \r\n \r\n Last edited by BoringInvestor; 2016-07-18 at 01:23 PM.\r\n \r\n \r\n
    \r\n \r\n \r\n \r\n \r\n \r\n
    Couch potato journey-Hidden Content .
    \r\nChild\'s RESP-Hidden Content .
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    \r\n -' + '->\r\n
    \r\n \r\n \r\n \r\n \r\n \r\n Reply With Quote Reply With Quote \r\n \r\n \r\n \r\n \r\n \r\n \r\n \r\n \r\n\r\n \r\n \r\n \r\n \r\n\r\n \r\n \r\n\r\n \r\n \r\n \r\n \r\n \r\n \r\n -' + '->\r\n
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  • \r\n'; pd[1219777] = '\r\n
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    \r\n BoringInvestor\r\n \r\n
    \r\n BoringInvestor is offline\r\n\r\n \r\n
    \r\n \r\n Senior Member\r\n \r\n \r\n \r\n \r\n \r\n \r\n
    \r\n
    \r\n
    Join Date
    Sep 2013
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    Posts
    424
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    \r\n July 2016 update
    \r\n
    \r\nCommentary
    \r\nJuly saw the last deposit into the account in 2016 - the final $80 of CESG funds.
    \r\nThe 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%).
    \r\n
    \r\nMonthly results
    \r\nThe portfolio this month: up 4.87% or $436.96
    \r\n
    \r\nComplete RESP results
    \r\nThe portfolio since inception (April 2015): up 4.45% or $400.41
    \r\nIf I count the Canada Education Savings Grant [CESG] funds as an investment gain, the portfolio is: up 17.51% or $1,400.41
    \r\n
    \r\nThe annualized (money-weighted) investment rate of return is 6.19%
    \r\n
    \r\nThe annual cost of the portfolio (i.e, the combined, embedded ETF management fee) is 0.24%, or $22.21
    \r\n
    \r\nYou can log in to view the attachment below.
    \r\n
    \r\nRESP_20160731.png\r\n
    \r\n
    \r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n \r\n
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    \r\n \r\n \r\n \r\n \r\n
    Couch potato journey-Hidden Content .
    \r\nChild\'s RESP-Hidden Content .
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    \r\n -' + '->\r\n
    \r\n \r\n \r\n \r\n \r\n \r\n Reply With Quote Reply With Quote \r\n \r\n \r\n \r\n \r\n \r\n \r\n \r\n \r\n\r\n \r\n \r\n \r\n \r\n\r\n \r\n \r\n\r\n \r\n \r\n \r\n \r\n \r\n \r\n -' + '->\r\n
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  • \r\n'; pd[1249082] = '\r\n
  • \r\n\r\n\r\n
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    \r\n BoringInvestor\r\n \r\n
    \r\n BoringInvestor is offline\r\n\r\n \r\n
    \r\n \r\n Senior Member\r\n \r\n \r\n \r\n \r\n \r\n \r\n
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    \r\n
    Join Date
    Sep 2013
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    Posts
    424
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    \r\n \r\n \r\n\r\n\r\n \r\n \r\n
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    \r\n August 2016 update
    \n
    \nCommentary
    \nAugust\'s results were slightly positive, bringing the account to its highest ever end of month total.
    \nWith these results the annualized money-weighted return is approaching my target of 7% return per year.
    \n
    \n
    \nMonthly results
    \nThe portfolio this month: up 0.72% or $67.44
    \n
    \nComplete RESP results
    \nThe portfolio since inception (April 2015): up 5.20% or $467.85
    \nIf I count the Canada Education Savings Grant [CESG] funds as an investment gain, the portfolio is: up 18.35% or $1,467.85
    \n
    \nThe annualized (money-weighted) investment rate of return is 6.48%
    \n
    \nThe annual cost of the portfolio (i.e, the combined, embedded ETF management fee) is 0.24%, or $22.38
    \n
    \nYou can log in to view the attachment below.
    \n
    \nRESP_20160831.png\r\n
    \r\n
    \r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n \r\n
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    \r\n \r\n \r\n \r\n \r\n
    Couch potato journey-Hidden Content .
    \r\nChild\'s RESP-Hidden Content .
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    \r\n -' + '->\r\n
    \r\n \r\n \r\n \r\n \r\n \r\n Reply With Quote Reply With Quote \r\n \r\n \r\n \r\n \r\n \r\n \r\n \r\n \r\n\r\n \r\n \r\n \r\n \r\n\r\n \r\n \r\n\r\n \r\n \r\n \r\n \r\n \r\n \r\n -' + '->\r\n
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  • \r\n'; pd[1257058] = '\r\n
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    \r\n familyman\r\n \r\n
    \r\n familyman is offline\r\n\r\n \r\n
    \r\n \r\n Member\r\n \r\n \r\n \r\n \r\n \r\n \r\n
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    Join Date
    Apr 2015
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    Posts
    78
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    \r\n \r\n \r\n\r\n\r\n \r\n \r\n
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    \r\n What computer program are you using to chart the progress?\r\n
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    \r\n -' + '->\r\n
    \r\n \r\n \r\n \r\n \r\n \r\n Reply With Quote Reply With Quote \r\n \r\n \r\n \r\n \r\n \r\n \r\n \r\n \r\n\r\n \r\n \r\n \r\n \r\n\r\n \r\n \r\n\r\n \r\n \r\n \r\n \r\n \r\n \r\n -' + '->\r\n
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  • \r\n'; pd[1258722] = '\r\n
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    \r\n BoringInvestor\r\n \r\n
    \r\n BoringInvestor is offline\r\n\r\n \r\n
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    Join Date
    Sep 2013
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    Posts
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    \r\n Quote Originally Posted by familyman\r\n View Post\r\n
    \r\n
    What computer program are you using to chart the progress?
    \r\n \r\n
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    \r\n
    I created my own excel document.
    \n
    \nIf 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).\r\n
    \r\n
    \r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n \r\n
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    \r\n \r\n \r\n \r\n \r\n
    Couch potato journey-Hidden Content .
    \r\nChild\'s RESP-Hidden Content .
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    \r\n -' + '->\r\n
    \r\n \r\n \r\n \r\n \r\n \r\n Reply With Quote Reply With Quote \r\n \r\n \r\n \r\n \r\n \r\n \r\n \r\n \r\n\r\n \r\n \r\n \r\n \r\n\r\n \r\n \r\n\r\n \r\n \r\n \r\n \r\n \r\n \r\n -' + '->\r\n
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  • \r\n'; pd[1284914] = '\r\n
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    \r\n BoringInvestor\r\n \r\n
    \r\n BoringInvestor is offline\r\n\r\n \r\n
    \r\n \r\n Senior Member\r\n \r\n \r\n \r\n \r\n \r\n \r\n
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    \r\n
    Join Date
    Sep 2013
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    Posts
    424
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    \r\n
    \r\n September 2016 update
    \n
    \nCommentary
    \nSeptember\'s results were slightly positive, bringing the account to its highest ever end of month total.
    \nThe account has seen three straight months of positive gains, tying it with the previously-held longest streak.
    \n
    \nBoth positions paid dividends in September, and an additional share of VXC was dripped.
    \n
    \n
    \nMonthly results
    \nThe portfolio this month: up 0.82% or $77.35
    \n
    \nComplete RESP results
    \nThe portfolio since inception (April 2015): up 6.06% or $545.20
    \nIf I count the Canada Education Savings Grant [CESG] funds as an investment gain, the portfolio is: up 19.32% or $1,545.20
    \n
    \nThe annualized (money-weighted) investment rate of return is 6.79%
    \n
    \nThe annual cost of the portfolio (i.e, the combined, embedded ETF management fee) is 0.24%, or $22.53
    \n
    \nYou can log in to view the attachment below.
    \n
    \nRESP_20160930.png\r\n
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    \r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n \r\n
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    \r\n \r\n Last edited by BoringInvestor; 2016-10-03 at 10:26 AM.\r\n \r\n \r\n
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    Couch potato journey-Hidden Content .
    \r\nChild\'s RESP-Hidden Content .
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    \r\n -' + '->\r\n
    \r\n \r\n \r\n \r\n \r\n \r\n Reply With Quote Reply With Quote \r\n \r\n \r\n \r\n \r\n \r\n \r\n \r\n \r\n\r\n \r\n \r\n \r\n \r\n\r\n \r\n \r\n\r\n \r\n \r\n \r\n \r\n \r\n \r\n -' + '->\r\n
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  • \r\n'; pd[1321266] = '\r\n
  • \r\n\r\n\r\n
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    \r\n BoringInvestor\r\n \r\n
    \r\n BoringInvestor is offline\r\n\r\n \r\n
    \r\n \r\n Senior Member\r\n \r\n \r\n \r\n \r\n \r\n \r\n
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    Join Date
    Sep 2013
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    Posts
    424
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    \r\n October 2016 update
    \n
    \nCommentary
    \nOctober\'s result was very slightly positive.
    \nThe past four months have seen consecutive positive returns which is the longest streak of gains since the account started.
    \n
    \nMonthly results
    \nThe portfolio this month: up 0.37% or $33.64
    \n
    \nComplete RESP results
    \nThe portfolio since inception (April 2015): up 6.45% or $580.84
    \nIf I count the Canada Education Savings Grant [CESG] funds as an investment gain, the portfolio is: up 19.76% or $1,580.84
    \n
    \nThe annualized (money-weighted) investment rate of return is 6.63%
    \n
    \nThe annual cost of the portfolio (i.e, the combined, embedded ETF management fee) is 0.24%, or $22.61
    \n
    \n
    \nLog in to view the attachment below.
    \n
    \nRESP_20161031.png\r\n
    \r\n
    \r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n \r\n
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    Couch potato journey-Hidden Content .
    \r\nChild\'s RESP-Hidden Content .
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    \r\n -' + '->\r\n
    \r\n \r\n \r\n \r\n \r\n \r\n Reply With Quote Reply With Quote \r\n \r\n \r\n \r\n \r\n \r\n \r\n \r\n \r\n\r\n \r\n \r\n \r\n \r\n\r\n \r\n \r\n\r\n \r\n \r\n \r\n \r\n \r\n \r\n -' + '->\r\n
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  • \r\n'; pd[1368761] = '\r\n
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    \r\n BoringInvestor\r\n \r\n
    \r\n BoringInvestor is offline\r\n\r\n \r\n
    \r\n \r\n Senior Member\r\n \r\n \r\n \r\n \r\n \r\n \r\n
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    Join Date
    Sep 2013
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    Posts
    424
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    \r\n November 2016 update
    \n
    \nCommentary
    \nNovember\'s results remained positive, and was the 7th best month since the portfolio began.
    \nThe \'win\' streak for the portfolio is now at five consecutive months.
    \n
    \n
    \nNote: as the CMF board settings have changed I can no longer edit the first post in this thread with historical data.
    \nAs such, all my results will only be shared through these monthly updates.
    \n
    \n
    \nMonthly results
    \nThe portfolio this month: up 1.54% or $147.55
    \n
    \nComplete RESP results
    \nThe portfolio since inception (April 2015): up 8.09% or $728.39
    \nIf I count the Canada Education Savings Grant [CESG] funds as an investment gain, the portfolio is: up 21.60% or $1,728.39
    \n
    \nThe annualized (money-weighted) investment rate of return is 7.64%
    \n
    \nThe annual cost of the portfolio (i.e, the combined, embedded ETF management fee) is 0.24%, or $22.94
    \n
    \n
    \nLog in to view the attachment below.
    \n
    \nRESP_20161130.png\r\n
    \r\n
    \r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n \r\n
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    \r\n \r\n \r\n \r\n \r\n
    Couch potato journey-Hidden Content .
    \r\nChild\'s RESP-Hidden Content .
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    \r\n -' + '->\r\n
    \r\n \r\n \r\n \r\n \r\n \r\n Reply With Quote Reply With Quote \r\n \r\n \r\n \r\n \r\n \r\n \r\n \r\n \r\n\r\n \r\n \r\n \r\n \r\n\r\n \r\n \r\n\r\n \r\n \r\n \r\n \r\n \r\n \r\n -' + '->\r\n
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  • \r\n'; pd[1406313] = '\r\n
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    \r\n BoringInvestor\r\n \r\n
    \r\n BoringInvestor is offline\r\n\r\n \r\n
    \r\n \r\n Senior Member\r\n \r\n \r\n \r\n \r\n \r\n \r\n
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    Join Date
    Sep 2013
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    Posts
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    \r\n
    \r\n December 2016 update
    \n
    \nCommentary
    \nDecember was the sixth consecutive month with a gain, and the eight best month since the portfolio began.
    \nThe total gains in my account ($855.51), are rapidly approaching the total amount of Canadian Education Savings Grant received ($1,000).
    \n
    \nFor the year the portfolio gained $820.91, which was a 9.09% increase.
    \n
    \nMonthly results
    \nThe portfolio this month: up 1.31% or $127.12.
    \n
    \nComplete RESP results
    \nThe portfolio since inception (April 2015): up 9.51% or $855.51
    \nIf I count the Canada Education Savings Grant [CESG] funds as an investment gain, the portfolio is: up 23.19% or $1,855.51
    \n
    \nThe annualized (money-weighted) investment rate of return is 8.23%
    \n
    \nThe annual cost of the portfolio (i.e, the combined, embedded ETF management fee) is 0.24%, or $23.25
    \n
    \n
    \nLog in to view the attachment below.
    \n
    \nRESP_20161231.png\r\n
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    Couch potato journey-Hidden Content .
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    \r\n Hi BoringInvestor,
    \n
    \nMy son was born a few months ago and I\'m trying to set up a spreadsheet for his RESP. I really like your dashboard. I was hoping you could give me some insight into how you run your returns calculations. Specifically - how you split the CESG and the regular contributions.
    \n
    \nFor reference - I use a heavily modified version of this spreadsheet for my personal accounts:
    \n
    \nedit - post count not high enough to post links - google "bogglehead returns spreadsheet" and the link is one page down on the first hit if you\'re interested.
    \n
    \nAnyway, all the calculations are performed based on 3 pieces of input per account per month: contributions, withdrawals, and account balance.
    \n
    \nI\'m curious if you run two series of calculations in parallel? One with the CESG and one without? You must also differentiate between CESG and regular contributions when putting in your monthly numbers as well? I\'ve heard that the CESG comes in 1-2 months after the regular contributions - does this affect your calculations at all? Do you just record the CESG in the month that you receive it?
    \n
    \nAny advice you\'d be willing to give would be greatly appreciated. I scrubbed version of your RESP spreadsheet would be awesome - but I completely understand if you\'d prefer not give it out.
    \n
    \nThank you!
    \n
    \nJeremy\r\n
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    \r\n Quote Originally Posted by Jerm\r\n View Post\r\n
    \r\n
    Hi BoringInvestor,
    \r\n
    \r\nMy son was born a few months ago and I\'m trying to set up a spreadsheet for his RESP. I really like your dashboard. I was hoping you could give me some insight into how you run your returns calculations. Specifically - how you split the CESG and the regular contributions.
    \r\n
    \r\nFor reference - I use a heavily modified version of this spreadsheet for my personal accounts:
    \r\n
    \r\nedit - post count not high enough to post links - google "bogglehead returns spreadsheet" and the link is one page down on the first hit if you\'re interested.
    \r\n
    \r\nAnyway, all the calculations are performed based on 3 pieces of input per account per month: contributions, withdrawals, and account balance.
    \r\n
    \r\nI\'m curious if you run two series of calculations in parallel? One with the CESG and one without? You must also differentiate between CESG and regular contributions when putting in your monthly numbers as well? I\'ve heard that the CESG comes in 1-2 months after the regular contributions - does this affect your calculations at all? Do you just record the CESG in the month that you receive it?
    \r\n
    \r\nAny advice you\'d be willing to give would be greatly appreciated. I scrubbed version of your RESP spreadsheet would be awesome - but I completely understand if you\'d prefer not give it out.
    \r\n
    \r\nThank you!
    \r\n
    \r\nJeremy
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    Congrats on the birth of your son!
    \r\n
    \r\nThat Bogglehead spreadsheet is very pretty to look at, and seems easy to use.
    \r\nThe one I use is a bit of a beast and requires frequent manual tweaking to update the chart.
    \r\n
    \r\n
    \r\nI\'ve included the screenshots below to show the layouts of my sheets.
    \r\nThe one that calculates XIRR I grabbed from somewhere on the internet - I\'m sorry I don\'t recall where. It works quite well as I only enter data into column C, D, and E.
    \r\nIt treats all CESG deposits the same as \'regular\' deposits and calculates money-weighted, and time-weighted returns from that data.
    \r\n
    \r\nThe other two sheets I created myself.
    \r\nThe first records past results, asset allocation, and predict future values. I assume annual rates of 7% for equity, 3.5% for bonds, and 2% for GICs, and conservatively just calculate it against the starting year\'s balance. I update the yellow cells values manually. ETF MERs are shown just below these cells. I think everything else is pretty self explanatory on the sheet.
    \r\n
    \r\n
    \r\nOn the tracking sheet I record total returns both with, and without, the CESG.
    \r\nFor example, looking at my typical monthly attachment, under the asset gain column (column T in the sheet, with yearly data starting on row 3) the calculation:
    \r\n- for 2015 is =SUM(S3/(P3+Q3))-1
    \r\n- for 2016 it\'s: =SUM(S4/(S3+P4+Q4))-1
    \r\n
    \r\nFor column U, the column market asset gain (inc. CESG), the calculations are:
    \r\n- for 2015 is =SUM(S3/P3)-1
    \r\n- for 2016 it\'s: =SUM(S4/(S3+P4))-1
    \r\n
    \r\n
    \r\nFor the returns section (bottom-left corner of my typical monthly attachment, with the data in column R, starting on row 32), the calculations are:
    \r\n- Total % return: =SUM(R28/SUM(R26:R27)) ..... aka it\'s dividing the total gains by the sum of the deposits and CESG received
    \r\n- Total % return if CESG are a gain: =SUM(R29/R26)-1 .... aka it\'s dividing the total from the amount I\'ve deposited (which excludes the CESG).
    \r\n
    \r\nThe annualized money-weighted & time-weighted returns come directly from the other sheet, and include CESG deposits.
    \r\n
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    \r\nRESPXIRR.png
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  • \r\n'; pd[1411713] = '\r\n
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    \r\n Damn I had a big reply written out but I seem to have lost it. Note to self - copy contents of post to clipboard before hitting submit.
    \n
    \nLong story short - you definitely got me thinking about how I can modify my own sheet to account for the CESG. I think it\'ll basically just involve adding another piece of monthly input (CESG recieved) and adding a column similar to your column U.
    \n
    \nThis is great - thanks again - and thanks for starting these threads. Your money diary is probably the one I follow closest\r\n
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  • \r\n'; pd[1411769] = '\r\n
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    \r\n Ah, I know the feeling of losing those big posts - quite frustrating.
    \n
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    \nThanks for the kind words.
    \nIf you\'d like feel free to share your own results too. I\'m happy to have \'my\' threads filled with other couch potatoes in hopes of inspiring more to follow suit.
    \n
    \n
    \nWhat were you thinking re: asset breakdowns in the future?
    \nI plan to
    \ni) stay in equity ETFs for the first four years,
    \nii) slowly shift over to bonds ETFs over the next eight years
    \niii) stay in bonds for a year before moving from bonds to GICs over four years, then
    \niv) sticking to GICs the last two years.\r\n
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    \r\n I hadn\'t given it a ton of thought but I was planning on slowly transitioning (10% every 2-3 years) from an 80/20 equity/bond split to a 20/80 equity/bond split. I\'m starting to wonder if that\'s a little reckless though, given that this account will likely be drained over a period of 4 years there\'s probably no good reason to be in equities when the kid is approaching college age...
    \n
    \nEven VAB.to has dropped considerably in the past couple months... maybe GIC\'s would be more appropriate..hmm..
    \n
    \nMy returns shouldn\'t be anything special because I\'m probably just going to use the CCP 3 fund portfolio off the start. I\'m 80/20 equities/bonds in my personal portfolio and my returns were the same (within 5 basis points) of another poster who mentioned that he was 80/20 with a CCP portfolio in the "how did you do in 2016?" thread. This gives me confidence that I\'m a) doin\' it right and b) calculating returns correctly.\r\n
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    \r\n I decided principal protection was the #1 priority when the funds are needed, so I, perhaps conservatively, am choosing to move fully into GICs a couple of years before the money\'s needed.
    \nGiven not all the money will be needed on day 1, some of the funds can be invested in multi-year products, which I\'m hoping will return a respectfully higher rate than a cashable or 1-year GIC.\r\n
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    \r\n Quote Originally Posted by Jerm\r\n View Post\r\n
    \r\n
    I hadn\'t given it a ton of thought but I was planning on slowly transitioning (10% every 2-3 years) from an 80/20 equity/bond split to a 20/80 equity/bond split. I\'m starting to wonder if that\'s a little reckless though, given that this account will likely be drained over a period of 4 years there\'s probably no good reason to be in equities when the kid is approaching college age...
    \n
    \nEven VAB.to has dropped considerably in the past couple months... maybe GIC\'s would be more appropriate..hmm..
    \n
    \nMy returns shouldn\'t be anything special because I\'m probably just going to use the CCP 3 fund portfolio off the start. I\'m 80/20 equities/bonds in my personal portfolio and my returns were the same (within 5 basis points) of another poster who mentioned that he was 80/20 with a CCP portfolio in the "how did you do in 2016?" thread. This gives me confidence that I\'m a) doin\' it right and b) calculating returns correctly.
    \r\n \r\n
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    This is a useful guide. It\'s what I plan to follow at least.
    \n
    \nhttp://www.moneysense.ca/columns/tak...sk-in-an-resp/\r\n
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    \r\n Quote Originally Posted by kingtosh82\r\n View Post\r\n
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    @BoringInvestor: Been following this thread for a while (even though this is my first official post on CMF). My wife is pregnant and I\'m trying to piece together an RESP plan based on index investing. Seeing as how you\'re a fan of CanadianCouch potato, I\'m curious as to why you chose to start reducing your equity allotment when your child is 4 years old, instead of 8 years old, as suggested in this blog post on CCP: http://canadiancouchpotato.com/2010/...sk-in-an-resp/
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    \nI\'m having trouble deciding between the CCP RESP asset allocation (as outlined in the link I posted) versus following your allotment of gradually reducing equity into bonds, and then your child reaches high school, to transfer everything to fixed income (or GICs) during their post-secondary years. Both seem like great strategies, but I\'m just curious why you chose to dial down risk more than CCP.
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    \nLooking forward to your reply.
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    \nThanks!
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    Hi kingtosh82, thanks for your reply and interest in this money diary, and congratulations to you and your wife on your expanding family and your early planning for your child\'s RESP!
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    \nFor our daughter\'s RESP, compared to CCP\'s blog, I decided to i) be more conservative and reduce the equity exposure earlier, ii) accordingly, move funds to fixed income at an earlier date, and iii) have everything in GICs once the funds are needed.
    \nI think you\'d be fine sticking with either model, I just chose to be a bit safer than what CCP wrote.
    \n
    \nUsing the following rate of return assumptions: equities return an average of 7%/year, bonds return an average of 3.5%/year, and GICs return an average of 2% per year, and coupled with our contribution schedule, by the time my daughter is 18 we\'ll have $90,000 (in 2015 dollars) in her RESP.
    \nI suspect this amount will be more than sufficient to offset most, if not all, educational and related costs for undergrad.\r\n
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    Couch potato journey-Hidden Content .
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    \r\n Quote Originally Posted by BoringInvestor\r\n View Post\r\n
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    Hi kingtosh82, thanks for your reply and interest in this money diary, and congratulations to your and your wife on your expanding family and your early planning for your child\'s RESP!
    \r\n
    \r\nFor our daughter\'s RESP, compared to CCP\'s blog, I decided to i) be more conservative and reduce the equity exposure earlier, ii) accordingly, move funds to fixed income at an earlier date, and iii) have everything in GICs once the funds are needed.
    \r\nI think you\'d be fine sticking with either model, I just chose to be a bit safer than what CCP wrote.
    \r\n
    \r\nUsing the following rate of return assumptions: equities return an average of 7%/year, bonds return an average of 3.5%/year, and GICs return an average of 2% per year, and coupled with our contribution schedule, by the time my daughter is 18 we\'ll have $90,000 (in 2015 dollars) in her RESP.
    \r\nI suspect this amount will be more than sufficient to offset most, if not all, educational and related costs for undergrad.
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    Thanks for the reply.
    \r\n
    \r\nAnother quick question... Why did you choose to go with VAB instead of VSB? Seeing as how RESPs are medium term investments and the amount of time you plan to have money in the VAB fund is short term, why didn\'t you go with a short-term bond ETF?
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    \r\nWhat sort of withdrawl schedule do you plan to do? I\'ve read that it is better to take out more money in the 1st or 2nd year since your child may not have job since they just completed high school, and thus, would be more beneficial for tax purposes. In addition, how do you think this might affect your GIC ladder investment approach? For example, do you plan to have a GIC mature in time for the first withdrawl that is close to 40% of the total RESP funds, and then 20% in each year after that? Or, do you plan to just do 25/25/25/25 for the 4 years?\r\n
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    \r\n Quote Originally Posted by kingtosh82\r\n View Post\r\n
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    Thanks for the reply.
    \n
    \nAnother quick question... Why did you choose to go with VAB instead of VSB? Seeing as how RESPs are medium term investments and the amount of time you plan to have money in the VAB fund is short term, why didn\'t you go with a short-term bond ETF?
    \n
    \nWhat sort of withdrawl schedule do you plan to do? I\'ve read that it is better to take out more money in the 1st or 2nd year since your child may not have job since they just completed high school, and thus, would be more beneficial for tax purposes. In addition, how do you think this might affect your GIC ladder investment approach? For example, do you plan to have a GIC mature in time for the first withdrawl that is close to 40% of the total RESP funds, and then 20% in each year after that? Or, do you plan to just do 25/25/25/25 for the 4 years?
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    Good question re: VAB vs VSB - my preference is to go for the broader bond ETF, which would allow me to not be as concerned re: the impact of short-term fluctuations in the bond market. I see VAB as the slightly safer bet, which matches my goals of capital preservation with some a potential for higher returns (which of course also entails the possibility of more risk).
    \n
    \nRe: withdrawals - I purposely haven\'t thought too much about it, as I figure I have some time to figure out the best strategy for GIC maturity dates vs. scheduled withdrawals. If I had to choose today I\'d probably go for a maturity schedule of 50% in year 1, 25% in year 2, and 25% in year 3, and anything that matures and isn\'t needed would be rolled into a cashable GIC.\r\n
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    \r\n Quote Originally Posted by BoringInvestor\r\n View Post\r\n
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    Good question re: VAB vs VSB - my preference is to go for the broader bond ETF, which would allow me to not be as concerned re: the impact of short-term fluctuations in the bond market. I see VAB as the slightly safer bet, which matches my goals of capital preservation with some a potential for higher returns (which of course also entails the possibility of more risk).
    \n
    \nRe: withdrawals - I purposely haven\'t thought too much about it, as I figure I have some time to figure out the best strategy for GIC maturity dates vs. scheduled withdrawals. If I had to choose today I\'d probably go for a maturity schedule of 50% in year 1, 25% in year 2, and 25% in year 3, and anything that matures and isn\'t needed would be rolled into a cashable GIC.
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    Thanks again for the reply.\r\n
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    \r\n Quote Originally Posted by arc\r\n View Post\r\n
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    It looks like overall you would\'ve came out ahead with just GIC ladders + bond ETFs rather than the standard balanced CCP ETF portfolio!
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    Over this duration of 13 months - yup.
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    \nI\'m betting the CCP ETF portfolio will outperform a GIC ladder + bond ETF over the ~ 18 years until the funds are needed.\r\n
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    \r\n Quote Originally Posted by redsgomarching\r\n View Post\r\n
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    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!
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    \nGreat job with saving for your kids!
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    Thanks.
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    \nI\'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.\r\n
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    1. #34
      Senior Member none's Avatar
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      Quote Originally Posted by Jerm View Post
      I hadn't given it a ton of thought but I was planning on slowly transitioning (10% every 2-3 years) from an 80/20 equity/bond split to a 20/80 equity/bond split. I'm starting to wonder if that's a little reckless though, given that this account will likely be drained over a period of 4 years there's probably no good reason to be in equities when the kid is approaching college age...

      Even VAB.to has dropped considerably in the past couple months... maybe GIC's would be more appropriate..hmm..

      My returns shouldn't be anything special because I'm probably just going to use the CCP 3 fund portfolio off the start. I'm 80/20 equities/bonds in my personal portfolio and my returns were the same (within 5 basis points) of another poster who mentioned that he was 80/20 with a CCP portfolio in the "how did you do in 2016?" thread. This gives me confidence that I'm a) doin' it right and b) calculating returns correctly.
      This is a useful guide. It's what I plan to follow at least.

      http://www.moneysense.ca/columns/tak...sk-in-an-resp/

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