请问有没有兄弟姐妹买Canadian Scholarship

[LifeIsBeautiful]

t

 

[LifeIsBeautiful]

Ding

I will appreciate it very much if you can share the experience with me

 

[dkwan]

Well, should buy RESP in a more regulated insitution.

Since RESP has too many grey areas, if you do not fully understand, and/or the company doesn't have a good reputation. I am strongly recommended you to buy in a bank, which offer much more selection. And the most important is CONFIDENCE

 

[mevisitor]

if no enrollment fee

these sales agent work for nothing.

 

[belle]

和你的销售代表联系,了解详细的情况.

 

[LifeIsBeautiful]

经过沟通，我自己来反馈一下，

我的PLAN这个　ENROLLMENT　费用是100%　退还的，只要小孩能让四年的大学。

ENROLLMENT　FEE　和其他本金的区别，是分四年退换。　比如,小孩只上一年就退学了，我能拿到其他全部本金,当然就只能拿到1/4的ENROLLMENT　FEE。

他们不是靠这个ENROLLMENT　FEE，　他们靠的是ENROLLMENT　FEE的利息。　我个人觉得这是合理的。

而且，我的SALES　代表会让他们公司给我一个正式文件，说明只要孩子能上4年，就会100%　退还。

对我的SALE代表和沟通结果，　我很高兴。

希望对大家有用。　也希望大家一定要较真，　认真读每一个条款，可能有灰色地带的，要问清楚，还要让公司的保证落实到文书上。

 

[dkwan]

have you asked?

1) What if I wanted to withdrawn from the plan before the child attend post-secondary school?
2) Can I switch to different insitution?
3) Can I withdrawn any principle contribution?

All for without penalty?

 

[Adenine]

还应该问这样一个问题：What if I want to pause contribution or stop completely? Would there be any penalty?

另外，ENROLLMENT FEE 要多少？假设是5000，而从现在起到孩子上大学还有15年，按照7%的投资年回报计算，15年连本带利一共13795；保守一点按4%算也有9004。这个数字可不小啊。

 

[LifeIsBeautiful]

最初由 Adenine 发布
还应该问这样一个问题：What if I want to pause contribution or stop completely? Would there be any penalty?

另外，ENROLLMENT FEE 要多少？假设是5000，而从现在起到孩子上大学还有15年，按照7%的投资年回报计算，15年连本带利一共13795；保守一点按4%算也有9004。这个数字可不小啊。

多谢大家的反馈。细节很周到，　我会一一去核查。谢谢。

我的自我安慰是，可能没有什么万能的投资　要考虑根个人情况（　比如，实在没时间进行个人理财，也没经验）和个人所能承担的风险（比如，　如果孩子上不了大学，我把它当作愿意承担的风险.

至于5000的利息被公司拿走作为利润，放到我自己口袋里最好 )))。但我个人觉得能接受。　比如要请人为家里打扫卫生，　一次要65块。

 

[dkwan]

Investment advisors usually make their living off the commission from mutual fund company, and make theirliving by taking the commission from the gain of the return.

its like, I paid everytime I use my own car. If I don't use my car, I lose all my money. Sounds its a trap.

 

[belle]

通过公司来购买RESP,客户可以随时申请停止供款,已经存入的钱及其收益等到期的时候再取出来.

客户的投资回报也就是投资收益,是根据客户开通RESP帐户时所购买的units来计算的.举个例子:开通帐户时存入1000元,买了10个units,以后每年存入1000元,到期取钱时按10个units来分红.ENROLLMENT FEE 的作用也就是押金的作用,小孩上大学(including any university,college,trade and correspondence school in Canada and around the world that qualifies under the Income Tax Act)时会拿回.计算units的时候并没有扣除ENROLLMENT FEE,ENROLLMENT FEE 的投资收益客户也得到了.