By theory "investing ALL" sounds like a bad idea, as the context of "ALL" might differ from people to people. With assumption your "ALL" is the amount you are willing to set aside and with other expenses/savings covered accordingly: 1) There is no "best method" , all suits to your personal cash flow. financial management, duration (tenure) , risks appetitate and many more. 2) Typically "professional" says 110 - your age = To invest in equity. For example 40 years old, 110 - 40 = 70. So you get this magic number of 70% stock and 30% bond in your example. 3) Depending how hardworking you are, I would prefer NOT to RSP, and to invest from time to time, rebalance whenever I need to. 4) No best method to rebalance or time frame, because sad to say, market reacts in different ways and sometimes in wonders. If you want more certainity or stability, ETFs might be a good way to start. Personally I rebalance about 2-3 times a year with no fixed duration, usually Q1, Q3 and Q4.