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Not really, and that’s not the point","_rawExcerpt":[{"_key":"032c442ddf27","_type":"block","children":[{"_key":"ff8bc8a909b70","_type":"span","marks":[],"text":"Your portfolio doesn’t stay the mix you picked. See what it turns into."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"91e09643be13","_type":"block","children":[{"_key":"774f48aa44660","_type":"span","marks":[],"text":"What that slow shift could cost a $300,000 portfolio in a single bad year."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"0b33cb629687","_type":"block","children":[{"_key":"e410940caa4a0","_type":"span","marks":[],"text":"Since 1926 there have been seven moments when rebalancing really mattered, and every one felt like the wrong time to do it."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"}],"slug":{"current":"does-portfolio-rebalancing-improve-returns-not-really-and-that-s-not-the-point"}}}]},"post":{"id":"7e586ff0-8cb3-5b29-a2cc-ed2d335a06ad","_updatedAt":"2026-09-24T14:30:56Z","publishedAt":"2026-09-24T14:26:00.839Z","mainImage":{"asset":{"fluid":{"aspectRatio":1.5,"src":"https://cdn.sanity.io/images/uj7902sz/production/dea5c527772fbacb9546e8187fd6385981557487-1536x1024.png?w=1600&h=1067&fit=crop","srcSet":"https://cdn.sanity.io/images/uj7902sz/production/dea5c527772fbacb9546e8187fd6385981557487-1536x1024.png?w=400&h=267&fit=crop 400w,\nhttps://cdn.sanity.io/images/uj7902sz/production/dea5c527772fbacb9546e8187fd6385981557487-1536x1024.png?w=800&h=533&fit=crop 800w","srcWebp":"https://cdn.sanity.io/images/uj7902sz/production/dea5c527772fbacb9546e8187fd6385981557487-1536x1024.png?w=1600&h=1067&fit=crop&fm=webp","srcSetWebp":"https://cdn.sanity.io/images/uj7902sz/production/dea5c527772fbacb9546e8187fd6385981557487-1536x1024.png?w=400&h=267&fit=crop&fm=webp 400w,\nhttps://cdn.sanity.io/images/uj7902sz/production/dea5c527772fbacb9546e8187fd6385981557487-1536x1024.png?w=800&h=533&fit=crop&fm=webp 800w","sizes":"(max-width: 1600px) 100vw, 1600px"},"_id":"image-dea5c527772fbacb9546e8187fd6385981557487-1536x1024-png"},"alt":"invest"},"title":"The RESP rules that can be worth thousands","slug":{"current":"the-resp-rules-that-can-be-worth-thousands"},"authors":[{"_key":"ee02852112ad","author":{"name":"Kendra Wallace"}}],"postType":"personal-finance","_rawExcerpt":[{"_key":"e4871b00c1a6","_type":"block","children":[{"_key":"d563d123e9940","_type":"span","marks":["strong"],"text":"Highlights:"}],"markDefs":[],"style":"normal"},{"_key":"7090a27443ee","_type":"block","children":[{"_key":"c9571364c2db0","_type":"span","marks":[],"text":"An RESP covers a lot more than a university degree. Trade schools, occupational programs and some schools abroad all count."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"44fe7474988d","_type":"block","children":[{"_key":"b9f4a1c64a3f0","_type":"span","marks":[],"text":"A rule tied to your child’s fifteenth birthday can shut off two years of CESG eligibility."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"9b38ab26e6fb","_type":"block","children":[{"_key":"6801c61119440","_type":"span","marks":[],"text":"Two provinces add their own money on top, and one federal benefit needs no contributions at all."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"}],"_rawBody":[{"_key":"6b29fd0c311f","_type":"block","children":[{"_key":"06de480d9a0a0","_type":"span","marks":["strong"],"text":"Highlights:"}],"markDefs":[],"style":"h4"},{"_key":"a01c5023eeb3","_type":"block","children":[{"_key":"21d8d203dd860","_type":"span","marks":[],"text":"An RESP covers a lot more than a university degree. Trade schools, occupational programs and some schools abroad all count."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"650560423563","_type":"block","children":[{"_key":"c08f4879103a0","_type":"span","marks":[],"text":"A rule tied to your child’s fifteenth birthday can shut off two years of CESG eligibility."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"f56e8ba42121","_type":"block","children":[{"_key":"141058fd2e050","_type":"span","marks":[],"text":"Two provinces add their own money on top, and one federal benefit needs no contributions at all."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"4c062f246eae","_type":"block","children":[{"_key":"8185bbef962a0","_type":"span","marks":[],"text":"You opened an RESP. You set up the transfer. Most months you don’t think about it, and when you do, it’s a line on a statement between the TFSA and the RRSP."}],"markDefs":[],"style":"normal"},{"_key":"ae339536f1f5","_type":"block","children":[{"_key":"de9f203451b80","_type":"span","marks":[],"text":"Meanwhile there are rules attached to it that decide whether a few thousand dollars of government money lands in there or doesn’t. Some of them have deadlines. 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