卖了

[二他爸爸]

各种fund（RESP）全部转成了GIC， 不知道对否，但是心里踏实了。

通过这件事明白了一些东西：
1。 以为自己风险承受能力可以，其实很差。要是像有些投资人损失殆尽的话，肯定跳楼了。
2. 要学一点投资知识，有钱没钱都离不开，不一定成为专家，但是如果你明白基本道理，盈亏不种要，关键是你就不会瞎着急。
3。建议RESP多卖GIC。有20%的政府奖励，已经非常不错了。

谢谢上个帖子的回复。

 

[ccc]

...。建议RESP多卖GIC。有20%的政府奖励，已经非常不错了。

...。

 

[laotou]

RESP

We bought some RESP from the Heritage fundation Inc. that was mature in July, 2008. I have retrived the principal that is less than what we invested. Because the investing market is not good now, I'd like to stop investing and just keep the balance as it was for my child's university expenses. However, the company told me I cannot decide that and the company has to put it in the investing market regardless of my willing. They will strat to pay the part of it for my child's tuition from her second academic year until her fourth year, but the amount they can pay will depend on the calculation of the payment year, meaning if it is completely lost in the market, we cannot get anything. I have bought RESP for more than 10 years in this company. I don't understand why clients cannot decide how mature RESP is used. Does anybody have this experirence? please give me some suggestion. Thanks

 

[jinlaimingbulai]

请问楼主这句话是什么意思？

建议RESP多卖GIC。有20%的政府奖励，已经非常不错了。


什么是RESP? 是 Registered education saving plan 吗？ 你的意思是说，如果你买，政府会match你20%吗？还是你买RESP 的 GIC ，利息是20%？

如果我没有小孩，可以买这个吗？

谢谢扫盲！

 

[df9575]

请问楼主这句话是什么意思？

建议RESP多卖GIC。有20%的政府奖励，已经非常不错了。


什么是RESP? 是 Registered education saving plan 吗？ 你的意思是说，如果你买，政府会match你20%吗？还是你买RESP 的 GIC ，利息是20%？

如果我没有小孩，可以买这个吗？

谢谢扫盲！

等你有小孩后，再来关心什么是RESP吧！

 

[二他爸爸]

请问楼主这句话是什么意思？

建议RESP多卖GIC。有20%的政府奖励，已经非常不错了。


你的意思是说，如果你买，政府会match你20%吗？如果我没有小孩，可以买这个吗？

谢谢扫盲！

理解正确。但没有小孩不能买。

 

[二他爸爸]

We bought some RESP from the Heritage fundation Inc. that was mature in July, 2008. I have retrived the principal that is less than what we invested. Because the investing market is not good now, I'd like to stop investing and just keep the balance as it was for my child's university expenses. However, the company told me I cannot decide that and the company has to put it in the investing market regardless of my willing. They will strat to pay the part of it for my child's tuition from her second academic year until her fourth year, but the amount they can pay will depend on the calculation of the payment year, meaning if it is completely lost in the market, we cannot get anything. I have bought RESP for more than 10 years in this company. I don't understand why clients cannot decide how mature RESP is used. Does anybody have this experirence? please give me some suggestion. Thanks

不是很理解“I have retrived the principal that is less than what we invested.“这句话的意思。

我记得：你可以随时把前提出来，关闭RESP账号，但是需退回政府grant。如果不提出来，至少有权改变投资组合，像我做的一样。

建议去大的银行咨询一下。

 

[dkwan]

There are different type of investment.
Many companies are managed the RESP investment in a pool. Means all people invested will be invest in the pool managed by the companies. No choice of investment can be select.