By target year
Retirement — 2026-11-12
40 years (goal 2066) — about 100% stocks / 0% bonds
VEQT.TO Vanguard All-Equity ETF Portfolio — fee 0.17%, size $17B, 1y return +15.90%, worst drop -8.05%
ZEQT.TO BMO All-Equity ETF — fee 0.15%, size $1.02B, 1y return +15.90%, worst drop -8.72%
only 2 funds meet the size and trading minimums
moves to the next row in about 5 years
35 years (goal 2061) — about 100% stocks / 0% bonds
VEQT.TO Vanguard All-Equity ETF Portfolio — fee 0.17%, size $17B, 1y return +15.90%, worst drop -8.05%
ZEQT.TO BMO All-Equity ETF — fee 0.15%, size $1.02B, 1y return +15.90%, worst drop -8.72%
only 2 funds meet the size and trading minimums
moves to the next row in about 5 years
30 years (goal 2056) — about 100% stocks / 0% bonds
VEQT.TO Vanguard All-Equity ETF Portfolio — fee 0.17%, size $17B, 1y return +15.90%, worst drop -8.05%
ZEQT.TO BMO All-Equity ETF — fee 0.15%, size $1.02B, 1y return +15.90%, worst drop -8.72%
only 2 funds meet the size and trading minimums
moves to the next row in about 5 years
25 years (goal 2051) — about 100% stocks / 0% bonds
VEQT.TO Vanguard All-Equity ETF Portfolio — fee 0.17%, size $17B, 1y return +15.90%, worst drop -8.05%
ZEQT.TO BMO All-Equity ETF — fee 0.15%, size $1.02B, 1y return +15.90%, worst drop -8.72%
only 2 funds meet the size and trading minimums
moves to the next row in about 5 years
20 years (goal 2046) — about 80% stocks / 20% bonds
VGRO.TO Vanguard Growth ETF Portfolio — fee 0.17%, size $10.8B, 1y return +12.57%, worst drop -7.01%
XGRO.TO iShares Core Growth ETF Portfolio — fee 0.17%, size $5.14B, 1y return +12.45%, worst drop -7.12%
ZGRO.TO BMO Growth ETF — fee 0.15%, size $807M, 1y return +12.16%, worst drop -6.87%
moves to the next row in about 5 years
15 years (goal 2041) — about 80% stocks / 20% bonds
VGRO.TO Vanguard Growth ETF Portfolio — fee 0.17%, size $10.8B, 1y return +12.57%, worst drop -7.01%
XGRO.TO iShares Core Growth ETF Portfolio — fee 0.17%, size $5.14B, 1y return +12.45%, worst drop -7.12%
ZGRO.TO BMO Growth ETF — fee 0.15%, size $807M, 1y return +12.16%, worst drop -6.87%
moves to the next row in about 5 years
10 years (goal 2036) — about 60% stocks / 40% bonds
VBAL.TO Vanguard Balanced ETF Portfolio — fee 0.17%, size $5.84B, 1y return +8.90%, worst drop -5.93%
XBAL.TO iShares Core Balanced ETF Portfolio — fee 0.17%, size $3.45B, 1y return +9.16%, worst drop -6.06%
ZBAL.TO BMO Balanced ETF — fee 0.15%, size $666M, 1y return +8.75%, worst drop -5.81%
moves to the next row in about 5 years
5 years (goal 2031) — about 40% stocks / 60% bonds
VCNS.TO Vanguard Conservative ETF Portfolio — fee 0.17%, size $959M, 1y return +5.46%, worst drop -4.86%
only 1 funds meet the size and trading minimums
moves to the next row in about 5 years
0 years (goal 2026) — about 40% stocks / 60% bonds
VCNS.TO Vanguard Conservative ETF Portfolio — fee 0.17%, size $959M, 1y return +5.46%, worst drop -4.86%
only 1 funds meet the size and trading minimums
Cash buffer: CASH.TO — cash buffer: about 1–2 years of planned withdrawals
This is the shortest horizon row. Retirement money is spent over decades after the goal year, so the table never goes to all cash.
RESP — 2026-11-12
Age 0 (18 years to 18) — about 80% stocks / 20% bonds
VGRO.TO Vanguard Growth ETF Portfolio — fee 0.17%, size $10.8B, 1y return +12.57%, worst drop -7.01%
XGRO.TO iShares Core Growth ETF Portfolio — fee 0.17%, size $5.14B, 1y return +12.45%, worst drop -7.12%
ZGRO.TO BMO Growth ETF — fee 0.15%, size $807M, 1y return +12.16%, worst drop -6.87%
moves to the next row in about 3 years
Age 3 (15 years to 18) — about 80% stocks / 20% bonds
VGRO.TO Vanguard Growth ETF Portfolio — fee 0.17%, size $10.8B, 1y return +12.57%, worst drop -7.01%
XGRO.TO iShares Core Growth ETF Portfolio — fee 0.17%, size $5.14B, 1y return +12.45%, worst drop -7.12%
ZGRO.TO BMO Growth ETF — fee 0.15%, size $807M, 1y return +12.16%, worst drop -6.87%
moves to the next row in about 3 years
Age 6 (12 years to 18) — about 80% stocks / 20% bonds
VGRO.TO Vanguard Growth ETF Portfolio — fee 0.17%, size $10.8B, 1y return +12.57%, worst drop -7.01%
XGRO.TO iShares Core Growth ETF Portfolio — fee 0.17%, size $5.14B, 1y return +12.45%, worst drop -7.12%
ZGRO.TO BMO Growth ETF — fee 0.15%, size $807M, 1y return +12.16%, worst drop -6.87%
moves to the next row in about 3 years
Age 9 (9 years to 18) — about 60% stocks / 40% bonds
VBAL.TO Vanguard Balanced ETF Portfolio — fee 0.17%, size $5.84B, 1y return +8.90%, worst drop -5.93%
XBAL.TO iShares Core Balanced ETF Portfolio — fee 0.17%, size $3.45B, 1y return +9.16%, worst drop -6.06%
ZBAL.TO BMO Balanced ETF — fee 0.15%, size $666M, 1y return +8.75%, worst drop -5.81%
moves to the next row in about 3 years
Age 12 (6 years to 18) — about 40% stocks / 60% bonds
VCNS.TO Vanguard Conservative ETF Portfolio — fee 0.17%, size $959M, 1y return +5.46%, worst drop -4.86%
only 1 funds meet the size and trading minimums
Bonds that mature when the money is needed: 2032: RQU.TO (+2 more)
moves to the next row in about 3 years
Age 15 (3 years to 18) — about 20% stocks / 80% bonds
VRIF.TO Vanguard Retirement Income ETF Portfolio — fee 0.29%, size $370M, 1y return +4.40%, worst drop -4.55%
FIE.TO iShares Canadian Financial Monthly Income ETF Common Class — fee 0.81%, size $1.39B, 1y return +25.05%, worst drop -6.07%
only 2 funds meet the size and trading minimums
Cash buffer: CASH.TO — cash buffer: about 1–2 years of planned withdrawals
Bonds that mature when the money is needed: 2029: RQR.TO (+7 more) · 2030: RQS.TO (+5 more) · 2031: RQT.TO (+4 more) · 2032: RQU.TO (+2 more)
moves to the next row in about 2 years
Age 17 (1 years to 18) — about 20% stocks / 80% bonds
VRIF.TO Vanguard Retirement Income ETF Portfolio — fee 0.29%, size $370M, 1y return +4.40%, worst drop -4.55%
FIE.TO iShares Canadian Financial Monthly Income ETF Common Class — fee 0.81%, size $1.39B, 1y return +25.05%, worst drop -6.07%
only 2 funds meet the size and trading minimums
Cash buffer: CASH.TO — cash buffer: about 1–2 years of planned withdrawals
Bonds that mature when the money is needed: 2027: RQP.TO (+6 more) · 2028: RQQ.TO (+6 more) · 2029: RQR.TO (+7 more) · 2030: RQS.TO (+5 more)
This is the oldest age row. RESP money is spent over about four years starting at 18, so the table ends in bonds that mature in those years, plus cash.