请教RESP的问题

[在外的人]

请教各位爸爸妈妈们都给自己的宝宝买RESP吗？发现有很多机构都卖RESP，这些机构之间有区别吗？
还有个问题：如果将来孩子在中国上大学，还可以拿到钱吗？如果可以，方便不方便啊？
谢谢！

 

[kliu]

最初由 在外的人 发布
请教各位爸爸妈妈们都给自己的宝宝买RESP吗？发现有很多机构都卖RESP，这些机构之间有区别吗？
还有个问题：如果将来孩子在中国上大学，还可以拿到钱吗？如果可以，方便不方便啊？
谢谢！

I think you can still use the RESP in foreign university as a full time student, but their rules might change from time to time. I'm also not sure how complicated it would be to prove the full-time enrollment status in China to the government.

You can buy RESP through companies who manage the funds for you, or you can buy bonds/stocks/mutual funds through bank directly.

If the company manages the RESP profile for you, of course they will charge you quite a bit of admin fee (pay their agents, advertisement, employees), and there will be penalties when you decide to terminate your account with them.

If you buy the stocks/mutual funds through bank for your RESP, the fees are minimized, but you will have to manage your own RESP profile, so the investment return is not guranteed. If you are really good in investment, you will earn a lot, but if you are not good, then you will take the risk.

One thing to note is, no matter whether you maintain your RESP through companies or through banks directly, the government will still contribute their portions to your account.

 

[在外的人]

Re: Re: 请教RESP的问题

非常感谢你的回复！：）

我只知道政府会补些钱进去，还不知道自己的投资有风险，以前跟我推销的那位女士没有提到过哦！她只告诉我，一直存钱进去，政府会补贴，等时间到了就可以拿钱了，看来不是这么简单啊。本人是没什么理财头脑的，看来要考虑一下了，呵呵。

 

[kliu]

We bought low risk stocks for our son's RESP. My husband said in a long run (like 20 years from now), most investment will have a profit.

If you you don't want to lose any money, you can buy bonds or some very low risk mutual funds. However, low risk could be low return in comparison though.

I don't really like the one managed by companies though, coz they charge so much admin fees and penalties, so even if the investment itself is earning an interest, a significant portion will pay their agents and advertisement.

 

[在外的人]

最初由 kliu 发布
We bought low risk stocks for our son's RESP. My husband said in a long run (like 20 years from now), most investment will have a profit.

If you you don't want to lose any money, you can buy bonds or some very low risk mutual funds. However, low risk could be low return in comparison though.

I don't really like the one managed by companies though, coz they charge so much admin fees and penalties, so even if the investment itself is earning an interest, a significant portion will pay their agents and advertisement.

Thank you so much! You really help me a lot!