Fund switching in an RRSP

I call such funds “opportunity funds” and yes, I believe switching in and out of them at appropriate times is good strategy as long as you are comfortable with what you are doing. Certainly, natural resource funds have not proven themselves to be good buy-and-hold candidates, in fact the average fund in this category has returned less per annum over the past decade than the average mortgage fund. Don’t overdo it, but it certainly is a viable way to potentially boost returns. – G.P.