Hi Adam. It helps to know what you are RSP-ing into, it could be UTs, or even shares/ETF. As I do not know what you have, my advice to diversify would be to consider looking at other asset classes. If you have been doing Share RSP, consider UT RSP, and vice versa. At the same time, take a look at your current portfolio that you have build, and see if there is a need to rebalance the portfolio. To hedge investment risk, consider setting aside money monthly into a riskless product such as an annuity. The process is similar to RSP, just that the asset class is different from what you have been doing. Ultimately we want to build a portfolio that has a good mix of safe, stable assets, and some assets that are exposed to market risk in order to have an element of growth. On the insurance aspect, if you have not had any major changes in your life, then the need to review your coverage is likely to be lower. However if there have been significant changes since you bought the policies, it would be prudent to get a second opinion. Also, in some cases, insurance premiums have come down over the years, especially on a term, so there might be a potential to retain your coverage but pay a lower premium, freeing up your cash flow to invest/save more. For SGS bonds, they are safe, so no problem holding on to them. Just be aware of the proportion of your investment portfolio that they take up. Based on your question, I am unable to give too specific advice due to the limited information provided. It would be helpful to know your portfolio so that more detailed advice may be given, so you may consider speaking to an independent advisor like myself to get advice on how to improve moving forward.