关于购买RESP问题:

jilinxu

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2003-05-07
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1,如何购买儿童教育基金.是否有时间限制(每年年底之前).
2,可以在银行买吗? 在银行买和在代理买有什么区别?
 
最初由 jilinxu 发布
1,如何购买儿童教育基金.是否有时间限制(每年年底之前).
2,可以在银行买吗? 在银行买和在代理买有什么区别?

1。没有限制,又不能用来抵税,想什么时候买都行。也可以每个月供款。
2。银行当然可以买,还有可以在保险或者代理那买,区别不知道。估计是回报率和风险的不同吧。
 
RESP

You can try The Heritage Plan from Allianz Education Funds. It is a big company. The service is pretty good. We are buying from them for our 14 months old son.

If you are interested in, you can call Jacques at 829-5980.


Lin
 
最初由 jilinxu 发布
1,如何购买儿童教育基金.是否有时间限制(每年年底之前).
2,可以在银行买吗? 在银行买和在代理买有什么区别?

Have you heard a lot of RESP fund tricks? When you buy these agent-driven fund, before you sign, look at the fine print carefully!

There are several banks which can provide SELF-DIRECT RESP where you don't need to bother tricky terms.

So far, TD bank Waterhouse/Royal bank Action Direct/Scotia Bank provide self direct RESP.

The annual fee is $50. Once your balance exceed $25000, no fee is charged. I have been using TD Waterhouse self direct RESP. I am very satisfied with their service.
 
Depends how confident you feel about your investment skills. Personally I'd perfer SDRESP instead of some closed fund, which might take your money once you don't continue to contribute.
 
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