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is the amount you will have saved by the time your child starts post-secondary education.
How does the RESP work?
Contribute
You start saving early in your child’s RESP and take advantage of generous government grants.
Accumulate
Your regular contributions and grants generate interest. Your RESP grows tax free.
Benefit
Your contributions are returned to you to fund your child’s education. Your child receives the grants and the total interest from the RESP.
Our Education Savings Products
My Education +
More savings. More flexibility. More possibilities.
You contribute the amount you want when you want and have access to advantageous investment options to help you save more.
Types of plan available
Individual
- Anyone can be a Plan Subscriber - no blood or adoptive relation to the child is required
Family
- Possibility to name more than one child under the plan
- Subscriber must be related to the child by blood or adoption
Investment options available
Based on your investor profile and financial goals, you can invest in a selection of advantageous investment options:
- Segregated funds
- High Interest Savings Account with 100% capital guarantee
Diploma
Education bonus
You receive an education bonus of up to 15% of your total contributions once your commitment has been fulfilled.
Types of plan available
Individual
- Anyone can be a Plan Subscriber - no blood or adoptive relation to the child is required
Investment options available
The allocation of your investments relies on a combination of two Diploma funds:
- Diploma Elementary Fund
- Diploma Secondary Fund
The allocation is established according to the child’s age.
You are interested in this product?
Have you thought about the RESP loan to maximise your grants?
Discover how borrowing to further contribute to your child’s RESP can be a simple and profitable solution.
Find out more about the RESP loan