I subscribed with Knowledge First about 13 years ago for my 1st kid, and then also for the 2nd one 2 years later.
I was totally surprised and not well impressed when I found out (about 10 years ago) that my 1st year of RESP deposits went towards the agent commission, for each kid, so the money that supposed to compound the most are lost.
NOBODY told us about this when we subscribed! They lied to us.
Now, we continued to contribute each month .... and we'll see what happens when we'll get there.
Would I do it again? NO WAY!
As I do not like to have all my eggs in one basket, I have the other half of my RESP as self managed ...
I'll be back with updated here in few years ... LOL