[sunnyhym]

最近有个USC公司的销售人员到我们家做了个关于RESP的PRESENTATION,当然就劝我们从他们公司买RESP.但是我知道有些人直接从银行购买.妈妈们都是怎么给孩子买RESP的呢?是直接从银行购买,还是找这类中间的公司呢?再有就是有人知道USC公司的具体情况吗?

[Victoria]

Just go through the Bank. I bought mutual funds, and my bank advisor suggested me some real good funds, thus my RESP had grow a couple of hundreds already...

[Sean Mama]

我们是从USC公司买的。这是我LG的决定（他的朋友介绍的，而这个朋友就在银行工作）,具体细节是由LG来权衡，我没有参与。据说长期来说，USC的回报比一般的银行高一点，这种公司只集中做RESP的生意。而银行业务很多，RESP只是其中一种，听说银行不靠它来赚钱，赚钱的都在别的业务上。不过还要看每个家庭具体情况，例如会不会中途离开加拿大，停掉不买等等...

[kliu]

Open a RESP trading account and buy stocks.

[sunnyhym]

我挺关心的也是如果中途退出会怎么样？是不是银行和USC的处理方法不同呢？
因为还很难说将来会不会离开加拿大？
会返回原来的contributions吧？那么政府的grant呢？以及它们的income呢？

[aiya]

in bank, you can take your contributions without penalty or admin fees.
with USC or other similar organizations, if you withdraw earlier you will pay penalty or admin fees, usually it is thousands of dollars,depends how long and how much you put in it. and if you withdraw from RESP, the benefits part will be put back to the government. so you can only get your contributions, I am not sure that you can get your interest or not. In bank, I think you can, with USC probably not.

the only thing about USC is better that the returns usually much higher than bank.