RESP的利弊
- 主题发起人 sylph
- 开始时间
- 注册
- 2002-05-13
- 消息
- 5,887
- 荣誉分数
- 156
- 声望点数
- 173
Guranteed 20% return (based on you put < $2000 every year), what else can you expect? :lookaround:
If you don't like the agent to rip off you ($1500 flat charge?), lock you and/or whatever, go to a bank to open a RESP account for your kid, as simple as that
If you don't like the agent to rip off you ($1500 flat charge?), lock you and/or whatever, go to a bank to open a RESP account for your kid, as simple as that
寺言
知名会员
- 注册
- 2003-05-06
- 消息
- 709
- 荣誉分数
- 6
- 声望点数
- 128
刚刚有Ｃａｎａｄａ Ｓｃｈｏｌａｒｓｈｉｐ Ｔｒｕｓｔ Ｐｌａｎ的ａｇｅｎｔ来给我介绍过他们的计划。
大概就是：选定一种ｐｌａｎ之后就没有什么反悔的余地。 I guess that is the meaning of lock.
另外，就是他们收取一定的手续费，他们叫它ｅｎｒｏｌｍｅｎｔ ｆｅｅ．虽然以后小孩领取时会还给你的小孩儿。但还是让我觉得不舒服。 I guess that is the meaning of rip off.
他们最少的ｃｏｎｔｒｉｂｕｔｅ是每月＄９．５０
他们的卖点是没有什么风险。
不过我现在还是想去问问ＴＤ的ＲＥＳＰ．
大概就是：选定一种ｐｌａｎ之后就没有什么反悔的余地。 I guess that is the meaning of lock.
另外，就是他们收取一定的手续费，他们叫它ｅｎｒｏｌｍｅｎｔ ｆｅｅ．虽然以后小孩领取时会还给你的小孩儿。但还是让我觉得不舒服。 I guess that is the meaning of rip off.
他们最少的ｃｏｎｔｒｉｂｕｔｅ是每月＄９．５０
他们的卖点是没有什么风险。
不过我现在还是想去问问ＴＤ的ＲＥＳＰ．
I did some math on RESP, found it may not worthy for many people.
An average Chinese in Ottawa if he or she holds a permanent job (likely in IT) will make above 50000. If you have a mortgage about 150000.Then the math turns out for 2000 dollar.
You are at 30% tax rate. If you put 2000 in RRSP you get 30% back. It is higher than 20%.
If you put additional 2000$ annually to your mortgage, you may be mortgage free before your kids go to college. So you have the mortgage money for his education, and you can deduct some of his tuition from you income, 2004 is 4000 dollar.It turn out to be almost even.
An average Chinese in Ottawa if he or she holds a permanent job (likely in IT) will make above 50000. If you have a mortgage about 150000.Then the math turns out for 2000 dollar.
You are at 30% tax rate. If you put 2000 in RRSP you get 30% back. It is higher than 20%.
If you put additional 2000$ annually to your mortgage, you may be mortgage free before your kids go to college. So you have the mortgage money for his education, and you can deduct some of his tuition from you income, 2004 is 4000 dollar.It turn out to be almost even.