终于决定买RESP了，想自己买，请问哪家银行好?

[lush]

琉璃 我已经从Canadian Scholarship Trust Plan 购买RESP有3年了,如果我现在想退出他们的计划,转入银行,他们会退还给我这3年里政府的补助CESG吗? 是不是还要交罚金给他们亚,,,请大家给个建议,谢谢

***************

我也想退出，很糟的代理人那个公司，但是好像罚款很多。，气死人了。以后大家小心不要买那家公司的某一个中国人推销的这个产品。

 

[HeronGate]

If I want to open an RESP account in Scotia Bank, can the bank pay the penity in order to close my account in Canadian Scholarship Trust Plan?

I was misled by an agent (acturally a friend) and joined the plan, but I have no way to terminate it now. Any suggestion would be appreciated.

最初由 挺傻 发布
你可以。最简便的方法就是开一个新的RESP计划，你可以有几个RESP计划，不过每年度只能一个计划从政府拿到钱。
要看你RESP投资到了什么地方，才能知道是否对你会有损失。

 

[挺傻]

很抱歉，银行不能出PENALTY。如果你转计划，根据你RESP情况也许可以出大约在25块左右的ADM FEE。
但是你的那个CST好像PENALTY很高，你需要问你的代理，找到最适合你的办法。我不知道你的计划是否规定了最少的每年往里面的CONTRIBUTION 数量，如果没有的话，可以少往里交，同时在银行开一个新的计划。

 

[嘀嘀叭叭wuuu]

最初由 lush 发布
琉璃 我已经从Canadian Scholarship Trust Plan 购买RESP有3年了,如果我现在想退出他们的计划,转入银行,他们会退还给我这3年里政府的补助CESG吗? 是不是还要交罚金给他们亚,,,请大家给个建议,谢谢

我也想退出，很糟的代理人那个公司，但是好像罚款很多。，气死人了。以后大家小心不要买那家公司的某一个中国人推销的这个产品。

他们要罚多少如果推出？？

 

[forfun]

最初由 嘀嘀叭叭wuuu 发布

他们要罚多少如果推出？？

you won't get the administration fees at least, and maybe the interests too if you joined group plan.

 

[SHUIJING]

最初由 琉璃 发布
我已经从Canadian Scholarship Trust Plan 购买RESP有3年了,如果我现在想退出他们的计划,转入银行,他们会退还给我这3年里政府的补助CESG吗? 是不是还要交罚金给他们亚,,,请大家给个建议,谢谢

There is $200 dollar enrollment fee per unit in Scholarship Trust Plan. The enrollment fee would be refunded in four years when your kids go to university.If you withdraw or transfer to other financial institution, you will lose the enrollment fee.Aditional, the Trust plan also charge $6.5 administration fee per year. If you do not like it, just open another RESP account and stop contributing in the Trust Plan. Withdrawal or transfer is not a wise choice.

 

[playman]

最初由 lush 发布
琉璃 我已经从Canadian Scholarship Trust Plan 购买RESP有3年了,如果我现在想退出他们的计划,转入银行,他们会退还给我这3年里政府的补助CESG吗? 是不是还要交罚金给他们亚,,,请大家给个建议,谢谢

***************

我也想退出，很糟的代理人那个公司，但是好像罚款很多。，气死人了。以后大家小心不要买那家公司的某一个中国人推销的这个产品。

You may consider it as mutual fund. 我也买了CST 的RESP. 其实都怪我们事先没仔细读DOCUMENT. 你说"很糟的代理人那个公司"是指哪方面?

 

[SHUIJING]

最初由 SHUIJING 发布


There is $200 dollar enrollment fee per unit in Scholarship Trust Plan. The enrollment fee would be refunded in four years when your kids go to university.If you withdraw or transfer to other financial institution, you will lose the enrollment fee.Aditional, the Trust plan also charge $6.5 administration fee per year. If you do not like it, just open another RESP account and stop contributing in the Trust Plan. Withdrawal or transfer is not a wise choice.

Additional, the Foundation takes away the return(interest) generated by the enrollment fee. The longer investment in the Plan is better then shorter, because personally I think they just charge the enrollment fee at the first two or three years. So two or three years are worst.

 

[油画批发零售]

considering to buy RESP for my child, any recommendation? where and which plan? thanks

 

[cbc369]

I understand that the $200 enrollment fee is for agent. Are you sure we can get back the enrollment fees in the fourth year of our kids going to university? If it is true, how about those kids who choose to go to 2-3 year programs? Thanks for your information.

最初由 SHUIJING 发布


There is $200 dollar enrollment fee per unit in Scholarship Trust Plan. The enrollment fee would be refunded in four years when your kids go to university.If you withdraw or transfer to other financial institution, you will lose the enrollment fee.Aditional, the Trust plan also charge $6.5 administration fee per year. If you do not like it, just open another RESP account and stop contributing in the Trust Plan. Withdrawal or transfer is not a wise choice.

 

[resp4child]

最初由 lush 发布
琉璃 我已经从Canadian Scholarship Trust Plan 购买RESP有3年了,如果我现在想退出他们的计划,转入银行,他们会退还给我这3年里政府的补助CESG吗? 是不是还要交罚金给他们亚,,,请大家给个建议,谢谢

***************

我也想退出，很糟的代理人那个公司，但是好像罚款很多。，气死人了。以后大家小心不要买那家公司的某一个中国人推销的这个产品。

you already deposit you money 3 years,if you transfer
it to another financial bank, you will loss all you money on the enrollment fee.
before you transter it, you should learn more infor.
from bank about the fee, risk and return.

You didn't got enough knowledge before starting your plan.

 

[resp4child]

最初由 sable93 发布
请各位给点hint。
个人prefer TD or CIBC， since I have mortgage in TD and payroll goes to CIBC.
请问“傻”大姐是哪个银行的？能不能给点建议。If you do not mind.

Thanks a lot,

RESPs---ABC
２００５年１月１日之后的储蓄.
加拿大教育储蓄补助金CESG ( include Additional Education Savings Grant +Basic Canada Education Saving Grant))

对每年储蓄的第一笔＄５００给予20-４０％的补助金(Additional Education Savings Grant)
对其后的＄１,５００给予２０％的补助金 (basic Canada education saving grant)
每个孩子一生最多可以获得＄７,２００的补助金.

加拿大学习补助金(Canada Learning Bond)
收入$35,000以下, ２００３年１２月３１日之后出生的孩子符合资格
孩子出生时，政府首期补助＄５００
每年继续补助＄１００直至１５岁
每个孩子一生最多可以获得＄２,０００的学习补助金
(全国 ２００５年１月１日生效)

Bank only for basic CESG, not include Additional Education Savings Grant, see listing
http://www.hrsdc.gc.ca/en/hip/lld/c...oter_list.shtml

 

[kliu]

最初由 sable93 发布
请各位给点hint。
个人prefer TD or CIBC， since I have mortgage in TD and payroll goes to CIBC.
请问“傻”大姐是哪个银行的？能不能给点建议。If you do not mind.

Thanks a lot,

http://www.disnat.com/en/prod_services_account.asp#reee

It's Desjardins. Their trading fee is very lowest we found for self-directed RESP, and they have both family and individual plan.

 

[option11]

最初由 sable93 发布
请各位给点hint。
个人prefer TD or CIBC， since I have mortgage in TD and payroll goes to CIBC.
请问“傻”大姐是哪个银行的？能不能给点建议。If you do not mind.

Thanks a lot,

Good luck in comparision shopping.