到底要不要买RESP 

[quote]引用第17楼xixi2009于2010-01-14 17:38发表的  : 我买的是银行的，如果我今年想买其他公司的教育基金可以吗[/quote] 你还是可以找别的公司继续买，只要你买的资金还是没到5万加币你还是可以继续投资。

[quote]引用第22楼salas1984于2010-01-18 21:55发表的 : 哪家好 ，哪家差。主要是看他售后服务，回报率，公司规模（资金大小）。 我在这里想提醒一下来自中国的家长，在你们买的时候不单单要看以后的回报率。你们还需要注意你们的孩子到了18岁，该上大学的时候不要迟了递交你们的申请表。----注意下什么时候必须要把申请表递交上去。[/quote] 這位家長講得有一定的見地。支持！ 正如我提到的一樣。比較公司規模，回報率和售后服務。專門的教育基金公司會在你孩子到期前半年去信提醒你，你的孩子的RESP帳號什麽時候到期，令你有足夠時間根據你的孩子當時的成績并選擇OPTION。傳承公司都有齊大家關心的優點，歡迎對比。

[quote]引用第24楼yjhwell于2010-01-18 23:23发表的  : 這位家長講得有一定的見地。支持！ 正如我提到的一樣。比較公司規模，回報率和售后服務。專門的教育基金公司會在你孩子到期前半年去信提醒你，你的孩子的RESP帳號什麽時候到期，令你有足夠時間根據你的孩子當時的成績并選擇OPTION。傳承公司都有齊大家關心的優點，歡迎對比。[/quot 不好意思，本人还不是家长。本人也是传承公司业务代表。谢谢。

Group RESP plans may not have your child's best interests at heart By Alex Roslin Jeff Dewsbury thought he and his wife were being smart when they signed up for a registered education savings plan. But now the Vancouver writer and stay-at-home dad wishes they had studied the fine print a little more closely. That’s because they signed up for a special type of RESP called a group, or pooled, plan. These plans account for a third of the $18 billion that Canadian parents have socked away for their kids’ postsecondary schooling since the federal government created the RESP program in 1998. [backcolor=#ffff66]They are run by nonprofit organizations that manage the RESP assets on behalf of parents, with names like the Canadian Scholarship Trust Foundation and Heritage Education Funds. [/backcolor] [backcolor=#ff0000][color=#0000ff]The catch: the pooled plans, which have had a reputation for aggressive marketing campaigns, including ads in hospitals and dentists’ offices, come with long lists of fees and complicated rules. The plans are now the subject of a growing wave of complaints from parents and scrutiny by regulators. [/color][/backcolor] But back in 1999 or 2000, Dewsbury and his wife were new parents and too frazzled to read the dozens of pages of prospectus material from the group plan. The sales rep won them over by telling them about exploding tuition costs and the risks of gambling their savings in the stock market, which was then just peaking in the dot-com bubble. In contrast, the group plan’s assets were held in conservative investments like government bonds. Yes, that made the plan’s returns lower, but Dewsbury reasoned that this would be offset by the federal RESP program, which tops up parental contributions with 20 to 40 percent in additional grants, depending on a family’s household income. And the money in the plan would grow tax-free. It didn’t take much convincing before Dewsbury and his wife started contributing $50 a month for their first son; a couple of years later, when baby number two was born, they boosted the amount to $100 a month. But now they have misgivings. They’ve watched better-performing mutual funds leave their plan’s low returns in the dust. And after all these years, they still don’t understand the plan’s byzantine fees and rules. "I just never felt like I could get a bottom line for all those things where I understood them," Dewsbury said on the phone from his home. In fact, until recently, Dewsbury was under the mistaken impression that only group RESP plans are eligible for the federal RESP grants. "They really didn’t bring up the fact that that comes to everyone," he said. Unfortunately, Dewsbury and his wife are now a little stuck. The group plans typically include significant barriers for those who want to stop contributing, including a sharp reduction in the final payout from the plan toward a child’s postsecondary education. Parents may transfer their RESP to another dealer, such as a bank, but most group plans will first deduct all the profits made on the parents’ contributions, which can grow to a substantial sum over the years. Those who want out also typically have to pay other fees, like an enrollment fee that often amounts to hundreds or thousands of dollars, a "depository" fee, and a transfer charge. Dewsbury isn’t the only parent with concerns about the group plans. In May, a string of complaints prompted Human Resources and Social Development Canada, the federal department that runs the RESP program, to launch a review of the entire RESP sector in conjunction with the Financial Consumer Agency of Canada and the Ontario Securities Commission. "We’re working with FCAC and the OSC to examine the complaints we’ve received and see what we can come up with," said Marc LeBrun, director of program design at the federal Canada Education Savings Program, from his office in Ottawa. "So far it’s been buyer beware." The review will look at the restrictiveness of RESP plans, their fees, and rules on changing the level of contributions or getting to your assets. The pooled RESPs are also facing a lot of other scrutiny. Another examination of the sector has been going on since last year, this one by the Canadian Securities Administrators, which represents all the provincial securities regulators. As well, the B.C. Securities Commission plans a compliance review of group plans in coming months. This review will follow up a 2004 nationwide study of the sector by provincial securities regulators, including that of B.C. The earlier review concluded with a damning report that revealed a litany of serious shortcomings, including: poor oversight of salespeople, who didn’t disclose fees properly and passed themselves off as working for a nonprofit organization when they actually worked for commissions; deceptive marketing material that falsely suggested government regulators had endorsed the plans; inflated rates of return that relied on "creative calculations to make the returns appear higher"; and lax record-keeping. "Certainly there were industry-wide deficiency trends," said Sandra Jakab, director of capital-markets regulation at the British Columbia Securities Commission, on the phone from her office in Vancouver. Despite the findings, regulators didn’t file any disciplinary sanctions. "It is important to keep in mind that that kind of activity gets placed beside theft and out-and-out fraud," Jakab said. "When you are making choices as regulators, you need to keep in mind which are the most egregious cases. We don’t have endless resources." However, the B.C. Securities Commission and other provincial regulators did require group-RESP dealers to change their sales and marketing practices. "We worked very closely with securities regulators to meet those concerns," said Peter Lewis, vice-president of operations and business development at the Toronto-based Canadian Scholarship Trust Foundation. It’s Canada’s oldest and largest group-RESP provider, with $2.3 billion in RESP assets. Lewis is chair of the RESP Dealers Association, which represents four of the six pooled-RESP providers in Canada. Even after the reforms, however, the grumbling from parents didn’t go away. At the Financial Consumer Agency of Canada, an Ottawa government regulatory agency that investigates complaints against federally regulated financial institutions, spokesman John Kane said a growing number of Canadians are calling to complain about RESP dealers of all stripes. Complaints have risen from 13 in the 2004 fiscal year to 20 in 2005, 37 last year, and 19 so far since the beginning of the current fiscal year in April. "We’ve had a steady increase each year so far." The issues most commonly raised are the usual sore spots involving the group plans: fees and problems with accessing funds in a plan. (Bank-based RESPs typically involve minimal or no fees and impose no restrictions of their own on getting to the funds, apart from those of the federal RESP program.) In Toronto, where most of the group-plan companies are headquartered, the Ontario Securities Commission said in 2002 that it was issuing a brochure to warn parents about the fees and aggressive marketing tactics of group plans after it had received 120 complaints from parents in the previous two years. But now, spokeswoman Carolyn Shaw-Rimmington said, the OSC no longer has a breakdown of the number of complaints involving group RESPs. And another spokeswoman, Laurie Gillett, said the OSC is satisfied the group plans have mended their ways since the 2004 report. The B.C. Securities Commission’s Sandra Jakab said her agency receives only a handful of complaints about the plans, but she wouldn’t disclose actual numbers. The CSTF’s Lewis, for his part, said group-RESP companies "welcome" the outside scrutiny. He said the group plans are open about all their fees and rules and are, in fact, more "transparent" than banks, which, he said, aren’t open about the full cost of management fees charged for mutual funds. "We actually tell people what they are paying," he said. Lewis said group RESPs are best suited to parents willing to commit to long-term savings, "someone looking for a decent return and low volatility". But some financial planners steer clients away from group RESPs. "We don’t like them at all. With full knowledge and awareness, I think most people would go another route," said Doug Macdonald, a prominent Vancouver investment counsellor. Macdonald is a former president and chair of the Canadian Association of Financial Planners. He is currently chair of the board of regents of the Institute of Advanced Financial Planning, based in Delta. "You lose a lot of flexibility [in the plans], and flexibility is very important in this world," he said. Another problem for Macdonald: the lack of transparency. "It’s very hard to look inside these plans. It’s really hard to get a handle on the costs." Instead, Macdonald advises clients to open a self-directed RESP at a bank or other financial institution. Netty Vogels, a Vancouver financial planner, gives clients the same advice. She also raises another common concern with the group plans: what happens if your child doesn’t go on to postsecondary education or quits before finishing her entire course of studies? Vogels said her sister was enrolled in a group plan and lost much of her investment because her child didn’t complete postsecondary education. "The reality is life throws financial hurdles at you," she said. "It would be nice to commit $100 a month for 18 years and never stop, but that’s just not real." At some group-RESP companies, parents whose kids don’t go on to higher education get back their contributions to the plan but not interest and other profits earned on those investments. Parents also lose some of their funds if their children don’t finish all four years of higher education or aren’t enrolled full-time. At the CSTF, Lewis said parents whose kids don’t go on to post-secondary schooling can switch from the foundation’s group plan to its individual plan. This allows them to get their investment income along with their contributions. But there are still a few hitches with this option: parents can only switch plans before their kid hits 18; the CSTF’s individual plan pays out about 40 percent less to students than the group plan; and only members of the CSTF’s group plan have a chance of getting their enrollment fee refunded. The fee usually works out to six or seven percent of the final payout. All these rules mean plenty of parents still don’t get the full payout from the group plan. The lost income goes into a pool for other eligible kids. About one out of every six dollars in payments that the CSTF has made to students since 2002 came from forfeited funds lost by other parents. "You could luck out and have a year when a lot of people don’t go [to postsecondary education]. Or it could work out the other way around," Macdonald said. Derek Moran, a Kelowna financial planner, also criticized the group RESPs as being "very fee-intensive" and too complex. "Even for advisors, they are difficult to understand. The reporting is so sparse you need a Philadelphia lawyer to figure it out." He also raised another beef: in-your-face marketing. When Moran had a child born at Kelowna General Hospital five years ago, he said, he was surprised to find brochures from a group-RESP company in the recovery room. A spokeswoman for Interior Health, which oversees 22 hospitals, including Kelowna General, said group-RESP brochures may have appeared in the hospital through Welcome Wagon promotional packages that used to be handed out there to new parents. The packages were discontinued four years ago because of complaints from parents, said Alison Paine, speaking on her cellphone while on the road in Kelowna. "It became a nuisance." At Welcome Wagon, a private company based in Toronto, Sandra Conley, director of business development, said her company makes donations to "probably a hundred" hospitals across the country in exchange for access to distribute promotional material from its clients, like USC Education Savings Plans Inc., a group-RESP foundation, and diaper and baby-formula companies. Moran is perturbed that hospitals would allow the brochures. "They get mothers when they’re pretty rattled up. It scares me that they are that far in the system."

沒有很認真地仔細斟酌每個字，因為錯誤也不少，至少“since the federal government created the RESP program in 1998”就是問題！RESP PLAN不是1998年后才有的，而是1998年后政府設立CESG補貼。 還有最大的問題是，拿極少數的投訴拿來當代表。教育基金幾十年來證實是好處多多，不然政府也不會在1998年后，幾乎每年出臺政策鼓勵家長積極參加RESP計畫，也不斷提高供款限額及補貼。 50元/月，拿到團體式RESP內，根本不算什麽。而且此雙親不清楚運作就在發牢騷。算你從0歲開始每存50元/月到當年18歲止，會員費用不過約1000元，頭3年總本金才不過1800，會員費是50%收取，3年也不可能收齊，本金自然不高，加上自已的20%GRANTS，約360，可算到自己帳上有多少錢！孩子未上專上學校的一天，也不知最後你孩子會有多少錢，因為你的會員費用退回和EAP收益的多寡！因為你永遠不知別家會不會如你一樣發牢騷中途退出GROUP PLAN，部分教育基金公司在提取時有不同限制。 部份也正確，如提到GROUP PLAN的教育基金公司將費用公開；部分賣家建議改為自我管理式個體計畫，但就不說明什麽人才適合做個體計畫，細節欠奉。 為什麽不去問各家的代表了解呢！ 所以選擇對及選擇好的公司多么重要。

看到大家都是喜歡銀行采用欺騙或隱藏方式收取費用的方法。有空到各大銀行網站看看他們的收費然後再到銀行親自問下，看看銀行的代表如何答你吧！ 聰明的人們！

還有分那個公司？？我去TD BANK買的，不知道是買什么公司。。

[quote]引用第29楼vicky2080于2010-01-30 13:19发表的  : 還有分那個公司？？我去TD BANK買的，不知道是買什么公司。。[/quote] 请问你在TD做的计划是什么？ 如果你需要咨询有关RESP，可以和我联系604-505-5913。