RESP,大家给点建议

[一般化]

准备买，到底那里买好些？

 

[dkwan]

Personal remcommendation provide with corresponding risk tolerance level,

If time frame is 10+, invest in mutual funds that concentrate in Asia, and mix with raw resources
If time frame is 5+ only, invest in mutual funds that paid dividend
If time frame is <5 years, invest in mutual funds that concentrate with bonds, fix income, or GIC

P.S.
couple of points need to consider

1) Do you have the investment knowledge?
if so, the world is out there, there are so many options, mutual funds, stocks....etc
if not, then purhcase GIC, can earn the grant from government, and no headache, but no gain.

2) Do you have the flexiblity of not withdrawn the captial before your child use it?
if you think you might need the money, do not choose company/product that locks in your investment

 

[一般化]

谢谢，回答得很清楚。在网上看总不得要领。

另外，我们如果搬到美国去，买得RESP怎么处理？还可以继续买吗？买了的可以留着吗？

最初由 dkwan 发布
Personal remcommendation provide with corresponding risk tolerance level,

If time frame is 10+, invest in mutual funds that concentrate in Asia, and mix with raw resources
If time frame is 5+ only, invest in mutual funds that paid dividend
If time frame is <5 years, invest in mutual funds that concentrate with bonds, fix income, or GIC

P.S.
couple of points need to consider

1) Do you have the investment knowledge?
if so, the world is out there, there are so many options, mutual funds, stocks....etc
if not, then purhcase GIC, can earn the grant from government, and no headache, but no gain.

2) Do you have the flexiblity of not withdrawn the captial before your child use it?
if you think you might need the money, do not choose company/product that locks in your investment

 

[IPLAN4U]

去美国也可以继续供款，也可以选择WITHDRAW，但是会有费用 ，也可以把resp转到rrsp。
而且非加拿大居民不满足政府的CESG补助。

 

[dkwan]

Yes, you can continue to contribute to RESP plan, the benefit of RESP plan is for canadian resident to have CESG from government. If you are resident of USA and not getting any advantage of RESP plan. Then choose any investment outside RESP would be more beneficial.

RESP, RRSP, RIF, or xxx... don't confuse by the name. Its investment after-all. Talk to professionals of your ideas/goals, they they will figure it out a plan that most fits your goal.

A GIC, thats gives minimum 8% return, would be quite attractive, isn't it.

David

 

[sunnyhym]

请教

最初由 dkwan 发布
Personal remcommendation provide with corresponding risk tolerance level,

If time frame is 10+, invest in mutual funds that concentrate in Asia, and mix with raw resources
If time frame is 5+ only, invest in mutual funds that paid dividend
If time frame is <5 years, invest in mutual funds that concentrate with bonds, fix income, or GIC

P.S.
couple of points need to consider

1) Do you have the investment knowledge?
if so, the world is out there, there are so many options, mutual funds, stocks....etc
if not, then purhcase GIC, can earn the grant from government, and no headache, but no gain.

2) Do you have the flexiblity of not withdrawn the captial before your child use it?
if you think you might need the money, do not choose company/product that locks in your investment

Time frame 是什么意思啊?

 

[sunnyhym]

还有就是在银行买啊,还是在AGENT那里买合适啊