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While we were in the accumulation phase we made regular monthly contributions into a monthly income fund in our kids RESP. The gov't grant money went into this as well. We contributed $2000/yr./child in order to collect the maximum gov't grant. Once the oldest was within a year or two of post secondary we began to convert a portion of the assets into a bond ladder to cover the withdrawals for the oldest's undergraduate studies. When we quit making contributions, we then converted the balance of the funds into additional rungs in the bond ladder. This was our strategy and it has served us very well.
