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How Much Would Your RESP Grow in 20 Years?

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Understanding RESP Investment Growth

Investing in a Registered Education Savings Plan (RESP) using mutual funds linked to the Nasdaq or S&P 500 can yield significant growth over 20 years. This article explores the potential returns of investing $50,000 in such funds over two decades.

Investment Assumptions

  • Annual contributions of approximately $2,778 for 18 years, totaling $50,000.
  • Investment in a mutual fund tracking the S&P 500 or Nasdaq-100.
  • Average annual return: 10% for S&P 500 and 12% for Nasdaq-100.

Projected RESP Growth Over 20 Years

S&P 500 Mutual Fund Growth

Assuming an average annual return of 10%, the RESP balance after 20 years would be approximately $286,000.

Nasdaq-100 Mutual Fund Growth

With an average annual return of 12%, the RESP balance could grow to around $385,000.

Factors Affecting RESP Growth

  • Market Volatility: Stock market performance can fluctuate, impacting returns.
  • Government Grants: The Canada Education Savings Grant (CESG) can add up to $7,200 in free money.
  • Investment Strategy: Diversification and periodic rebalancing can improve long-term growth.

Final Thoughts

RESP investments in Nasdaq or S&P 500 mutual funds can significantly grow over 20 years. Choosing the right strategy and maximizing government grants can further enhance returns.

For personalized RESP investment advice, consult a financial expert.

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