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主题: 孩子的教育基金你买了吗?

网上看到的文章: 大概意思就是买教育基金(RESP),到退休的时候不后悔。政府每年会给家长存入的教育基金另外赠送20%的金额 - 每年最多赠送$500, 每个孩子的帐户一生最多赠送$7,200


RESPs: One giant step toward a guilt-free retirement

Do it by contributing money to a registered education savings plan, which is the best tool for helping your kids afford the cost of a university or college education. Your money will do more good now than if you wait to pass it along after you die.

RESP contributions don’t come easily at a time when families are struggling to cover the costs of everyday life, paying down debts and putting money away for retirement. RESPs require sacrifices. It may well be that less money will go into your registered retirement savings plans or tax-free savings accounts for a while.

Parents can save for university or college in a non-registered account or in their TFSAs. But an RESP makes the most sense because of the Canada Education Savings Grant, which matches contributions of up to $2,500 per year with a 20-per-cent payment topping out at $500 per year, with a $7,200 lifetime limit.

全文如下:

http://www.theglobeandmail.com/globe-in … ss+News%29

最后由 大苹果 (2013-04-02 16:53:50) 修改

漫漫人生路,一直在迷路。

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回复: 孩子的教育基金你买了吗?

感谢版主提及RESP(Registered Education Savings Plan),这可是加拿大孩子的幸福啊!有十八岁以下孩子的爸爸妈妈,你们都为孩子申请了吗?这是加拿大政府给你们孩子的除牛奶金之外的另一个福利!凡是加拿大的公民或永久性居民,拥有SIN卡,十八岁以下的孩子都可以申请,只要每年给孩子存满$2,500 ,政府每年就会给20%-40%(Canada Education Savings Grant)的教育储蓄补助,一年最多可得$600,总共$7200。另外针对2003年12月31日以后出生的孩子,如果家庭是低收入,一开户即可得$500(不用存钱也行),以后每年得$100,直到十五岁,总额为$2000,称之为Canada Learning Bond 。两块总额9200$.这两块教育补助对新移民来说尤其有利,所以说早申请早得利多收益。详情可见政府网站http://www.canlearn.ca/eng/saving/index.shtml,至于怎样申请或有任何相关问题可以留言咨询我,我尽力提供帮忙。

最后由 风铃叮当 (2013-04-05 14:08:40) 修改

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回复: 孩子的教育基金你买了吗?

一般人家每年投资$2500RESP,可以获取最高$500政府补贴。一个孩子总计可获取$7200政府补贴。$7200/500=14.4年。为获取全部补贴,您实际上需要孩子一出生就为他投资,才能在他上大学之前(15岁)获得全部补贴。

西塞山前白鹭飞,桃花流水鳜鱼肥!

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