RESP Providers

My wonderful father in law gave me a cheque for RESP.  We had suggested that that is better than more toys.  So now I have to actually invest the money.

Group RESP are a rip-off and should not even be considered.  So options are:
- self directed RESP (stocks, index funds, bonds)
- RESP Mutual funds (like td mutual funds)

I am leaning to self directed RESP, so far the best price option is QuestTrade.  I have other money with TD Waterhouse, so that one is under consideration.

QuestTrade: Trading Cost: $4.95 RESP Annual Fee: None Transfer Out Fee: $125 TD Waterhouse: Trading Cost: $9,99 RESP Annual Fee: $50 plus tax if <$25000 Transfer Out Fee: $135

Next step is finding out how much trouble it is to set up a QuestTrade account and actually find investments for the RESP.

The comments here have some good investment suggestions:

http://www.milliondollarjourney.com/resp-portfolio-update-march-2010.htm