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  • RESP Withdrawal - Keep it or take it out?

    Hi Folks, Looking for an advice on RESP withdrawal. My daughter got accepted in University and its time to take out RESP money. She already got few scholarship and OSAP grant so we do not need RESP fund right away. But, just wondering is it ...

    • jaggu2001
    • Sep 15th, 2020 3:15 pm
    • Forum: Personal Finance

  • Pre-Authorized Cash Contribution on RESP - Where and how to do it?

    Hi Folks, I am thinking about putting $200 / month into my son's RESP account, and invest the $200 + 20% government grant into an index ETF (like S&P/TSX) every month. What is the best way to accomplish this? My RESP account is currently with Questrade. ...

    • No.6
    • Sep 4th, 2020 11:05 pm
    • Forum: Personal Finance

  • Resp

    Hello,I've invited my child's resp with TD. How do I check how many years I've invested for and how many years left for each child?Thanks in advance,Ann

    • AnnCook
    • Aug 23rd, 2020 9:48 pm
    • Forum: Investing

  • Canadian Scholarship Trust Foundation

    Anyone recommend the Canadian Scholarship Trust Foundation to open a RESP as well qualify for the $2000 learning bond?

  • What are some other eligible RESP expenses?

    What if we didn't withdraw from the RESP for the first and second year tuition/rental/expenses, can we retroactively claim RESP expenses this year, going back to previous years as long as we have university account statements that back these ...

    • alanbrenton
    • Aug 10th, 2020 2:05 pm
    • Forum: Personal Finance

  • RESP

    We've just started and RESP account for our 2 kids aged 5 and 2 and I started thinking that maybe its not the best way right now. My thinking is you can catch up on full grant money a long as you contribute the required amounts starting ...

  • Transfer RESP to Questrade?

    I have a RESP with HSBC since they are my main bank. I noticed they started charging a $50 admin fee in my RESP InvestDirect account this year, but never before. I didn't get any notice or maybe didn't pay attention for an increase ...

    • chico_001
    • Jul 9th, 2020 11:03 pm
    • Forum: Personal Finance

  • HSBC InvestDirect RESP Fee

    I just noticed in my HSBC InvestDirect RESP account a $50 admin fee for 2020. Anybody else noticed that? Is that new because I don't recall seeing this fee in 2019.

    • chico_001
    • Jul 4th, 2020 5:37 pm
    • Forum: Investing

  • Family RESP advice

    Hello All, I need some help with RESP account. Currently my wife have RESP account (not DI account) for both our kids with RBC and advisor asked to invest in mutual funds (RBC Target 2030 Education Fund; MER 1.98%). Currently I am looking ...

    • gskn4u
    • Jul 1st, 2020 10:19 am
    • Forum: Investing

  • Family RESP

    If I have individual RESP account with a TD e-series portfolio and switch to a Family RESP (for 2 kids), would you save fund management fees?

  • RESP - getting top up by gov't

    We initially set up an account for my son with BMO. We bought some index funds. A few years later, I switched the account to investor line. Now, I'm considering switching all my accounts, including this RESP, to IB. How would I go about to collect the top ups? It's still a year away.

    • dec12
    • Jun 26th, 2020 7:06 am
    • Forum: Investing

  • RESP

    Hi folks, I have a quick question about RESP. In Feb, I wanted to contribute to RRSP but I had a fat finger and contributed 40k to my kid's RESP instead. Anyways, I'm reading about it now and realize I can withdraw as a non-educational capital ...

    • magnoyu
    • Jun 8th, 2020 10:24 pm
    • Forum: Personal Finance

  • RESP "partial" Carry Forward rules?

    Hi all, Yes, this is another RESP "Carry forward" question, and I just want to mention that I have searched RFD for my answer, and other online resources, however I don't think I've seen this question asked. Almost all of the articles are ...

  • RESP - Investing ideas - ETFs

    Hi all, I'm moving my child's RESP from a mutual fund to Questrade. I plan to buy inexpensive indexed ETFs each year. My child is around 10 years away from attending University, so I plan to hold equity-heavy ETFs, then move to less risky ...

    • reversi
    • May 3rd, 2020 5:28 pm
    • Forum: Investing

  • RESP questions

    Can someone confirm my understanding on RESPs. Scenario: 2 kids, first goes off to school this year. Kid A makes ~$12k/year and is eligible for up to $2k/yr reimbursement which is taxable. School will cost around $6k in tuition plus another $2k ...

    • Sum_guy
    • Apr 11th, 2020 3:15 pm
    • Forum: Personal Finance

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