寻求为子女设立超长期投资账户的建议

Looking for some opinions and to hear what others have done in a similar situation.

My wife and I have two kids (ages 6 and 3). We contribute enough to both of their RESPs each year to receive the full CESG grant.

We’re now thinking about putting aside some extra money for each of them beyond the RESP. The plan would be to invest it for the next 15–20 years.

Most of our own investments are in TD e-Series following the Canadian Couch Potato model, and the RESPs are invested the same way.

For this extra savings, we’re considering either:

Wealthsimple + XEQT with automatic recurring purchases.

TD + TEQT (commission-free), although I’d have to manually log in and buy shares since there’s no automatic ETF purchase option.

I’m leaning toward Wealthsimple simply because it’s easy to automate and forget about.

We’re also wondering whether it even makes sense to open separate investment accounts for the kids, or if we’d be better off just investing the money in our own TFSAs (we still have plenty of contribution room) and earmarking it for them later. I’ve also read a bit about in-trust accounts but don’t know if there are any real advantages.

Not looking for personalized investing advice, interested in hearing what others have done, the pros and cons of the different approaches, and anything I might not be thinking about. Thanks!