Are there any regular savings plans that allow a joint account with children and parent?

Great that you plan on investing the money instead of giving it to your kid, it’s a good way to do financial planning.

Not only is the platform important but also how much you plan to invest on a regular basis.

Transaction fees aren’t the only way as there is also wrap fees where you pay a % annually rather than based on how many transactions you make.

Right now, are you on any RSP yourself? If yes, it may potentially cost lesser to do in your own account with you rather than separate it into two accounts. Usually, this is an option for people with more than one kid and would like to distinctly divide the holdings.

There is little to no diff to hold a joint account when you can eventually just transfer it to your boy when he is of age.

Do visit those providers or an independent financial adviser like myself to see what options are available to you.

Remember, the Platform is just a means to get things done.