Attn: Lillianou
Hi, thanks for you telling me this web site. Indeed, most of the people didn't really understand well R.E.S.P. Like your concern regarding if the child study in a Post-Secondary Program that is shorter than 2 years in duration, as study at full-time attendance in VCC that is greater than 3-weeks long and is at least 10 hours per week, and which is offered by a Recognized Institution in Canada; if studying in a country other than Canada, the course of study must be at least 13 consecutive weeks long. So the Subscriber can also keep the C.E.S.G. from the garverment, no need to return the grant.
Annie_Chiu : 2005-12-02#65
Attn: michang
Hi, I have to say you are very open mind person to accept the ideaes to save the money for your kid's future! Congratulations!! No matter what plans you join, your child will thankful for this present in their future life.
Annie_Chiu : 2005-12-02#66
Attn: melodyzhong
Hi, you said someone introduced Heritage Plan to you for your child. You are worried about if you can't get all your contribution back. Actually you don't need worry about that cause Heritage Plan is the best return you can getit back(up to 11.81% after duductable the fee) and your contribution 100% guareetee back based on the Canada's law regulation. Just take action!!
Annie_Chiu : 2005-12-02#67
Attn: melodyzhong
Hi, No matter what kind of institution to buy R.E.S.P., either C.S.T. or Heritage, the best way you have to consider which one will get more teturn. Like C.S. T. for lately 5 year Average Return is 5.84% net (Oct 03); as for Heritage Plan for 5 year Average Return is 7.38%(Dec. 03). So you can compare which one is better to choose. Right?
Annie_Chiu : 2005-12-02#68
Attn: Leomm
Hi, You said the investment on R. E. S P. of the return is up to 15%; but do you know something, this investment must be buy Mutual Funds or Stocks; you can get high return but you have to take high risk. And you also have to pay like 1.92%-2.68% Management Expense Ratio (MER) on Funds or Stocks.
You better check clearly.
melodyzhong : 2005-12-03#69
Annie_Chiu 说:
Attn: melodyzhong
Hi, No matter what kind of institution to buy R.E.S.P., either C.S.T. or Heritage, the best way you have to consider which one will get more teturn. Like C.S. T. for lately 5 year Average Return is 5.84% net (Oct 03); as for Heritage Plan for 5 year Average Return is 7.38%(Dec. 03). So you can compare which one is better to choose. Right?
就买吧[/quote
Yeah! Your are very smart guy, I am agree with your points, cause what does your child's future hold? Will they be happy? What talents will they have? What career will they choose? These are things you cannot control for your children. Picture something you CAN. Start saving now and plan for your child's FUTURE POSSIBILITIES with joining a best plan like Heritage Education Funds RESP.
]
Yeah! Your are very smart guy, I am agree with your points, cause what does your child's future hold? Will they be happy? What talents will they have? What career will they choose? These are things you cannot control for your children. Picture something you CAN. Start saving now and plan for your child's FUTURE POSSIBILITIES with joining a best plan like Heritage Education Funds RESP.
]
Hi, Are you looking for a safe way to save with steady growth?
The Four Crucial Factors of a practical solution you can sonsider:
1. Invest the least
2. higher Returns
3. Without Risk
4. Ready on time
I suggest you the Heritage Plans: Your savings are safeguarded under government issued securities, and high-end or guaranteed secrites.
Over the years, Heritage has consistently demonstrated outstanding and superior returns for the members' savings
You can start your savings as confortable you feel
If your child is ready to enter post-secondary education sooner than planned, with interest adjustment, maturity can be advanced
Under the structure of non-profit foundation, RESP tax-sheltering, CESG, Group power, Attritional Donations, Enhancements etc. your returns are greatly enhanced.
Under the Self-Determined Option, you can transfer your interest earnings to your RRSP if your child is not going for post-secondary study